Ahcccs plans arizona Arizona Health Care Cost Containment System (AHCCCS) is Arizona's Medicaid agency that offers health care programs to serve Arizona residents. Arizona Complete Health-Complete Care Plan is an integrated health plan for members served by Arizona’s Medicaid program, the Arizona Health Care Cost Containment System (AHCCCS). Sep 19, 2024 · About 26,000 adults are enrolled in AHCCCS' Arizona Long Term Care System for elderly and physically disabled people, AHCCCS officials said. Molina Healthcare offers comprehensive, no-cost health coverage for eligible residents of Arizona. The AHCCCS program is governed by Arizona statutes and rules, federal statutes and rules, and two written agreements with the federal government called the State Plan and the Waiver. 988 will route to the Statewide Crisis Line based on area code. com/completecare AHCCCS will continue to provide opportunities to learn about updates and progress made from the Arizona Olmstead Plan, including opportunities to provide feedback. AHCCCS Integrated System of Care (ISOC) AHCCCS Maternal Child Health and EPSDT Services; AHCCCS Maternity and Family Planning Services and Supplies Program Plan Checklist; AHCCCS Early and Periodic Screening, Diagnostic, and Treatment Program Plan Checklist; AHCCCS Dental Program Plan Checklist; AHCCCS Medical Policy Manual (AMPM) Geographic Service Area ACC-RBHA Name ; North: Arizona Complete Health-Complete Care Plan: Central: Mercy Care: South: Arizona Complete Health – Complete Care Plan A: American Indian members can still choose to change enrollment between AIHP (with or without TRBHA enrollment) or the AHCCCS Complete Care (ACC) Plan at any time by calling AHCCCS at 602-417-7100 or 1-800-334-5283. MCOs are also required to obtain NCQA Health Equity Accreditation by October 1, 2025, and may obtain additional NCQA program accreditation, at its own discretion*. wic arizona The Supplemental Nutrition Program for Women, Infants, and Children (WIC) provides nutrition education, breastfeeding support, supplemental nutritious foods and referrals to health and social services. Any AHCCCS members who have experienced a barrier to health care services due to being enrolled AHCCCS has moved toward increasing the coordination of health service delivery between these two health programs by contracting with Medicare Advantage Dual Special Needs Plans (D-SNPs) that are each affiliated with its partner AHCCCS Complete Care (ACC) Medicaid health plan. GOV/DDD/ 110049 UNITEDHEALTHCARE LTC 800-293-3740 HTTP://WWW. These are providers located in the state of Arizona, and these providers may or may not be contracted with all of the AHCCCS Managed Care Organizations (MCOs). 800. Executive Summary: In the next five years, we will continue to work on increasing access to whole-person care by supporting participation in the Closed-Loop Referral System. The Arizona Health Care Cost Containment System (AHCCCS) is Arizona's Medicaid agency that offers health care programs to serve Arizona residents. Depending on your family size and income, you may even qualify for help to pay your monthly premium. Please select a search method by clicking on the name of the method. Call us toll-free at 1-800-348-4058, TTY 711; 8 a. It offers health care insurance to low-income families and individuals. S. American Indian AHCCCS Member Enrollment Choices | Rich Text Version Feb 24, 2025 · AHCCCS Pharmacy Information Pharmacy Updates Clozapine Risk Evaluation and Mitigation Strategies Program Update (Effective February 24, 2025) The U. Crisis services are available to any Arizona resident, even if you do not have health insurance coverage. Banner – University Family Care/AHCCCS Complete Care (B – UFC/ACC) is a health plan for participants in the Arizona Health Care Cost Containment System (AHCCCS), which is Arizona's Medicaid program. The health plan works with doctors, hospitals, pharmacies, specialists, etc. It covers programs for acute and long term care, behavioral health and children’s care. Population by Health Care Contractor. As of October 01, 2018, AHCCCS Complete Care plans became the integrated health plans for the majority of AHCCCS members. The Arizona Health Care Cost Containment System (AHCCCS) is aware of an issue impacting Change Healthcare. To qualify for coverage, individual adults must have an AHCCCS member who is unable to access health services, or if you have a concern about the quality of care, please call your AHCCCS health care plan’s Member Services number. If you need to change your health plan Please call AHCCCS at 800-962-6690, or in Maricopa County call 602-417-4000. If the applicant has a spouse living in the community, between $31,584 and $157,920 of the couple’s resources may be disregarded. If you know of an AHCCCS member who is unable to access health services, or if you have a concern about the quality of care, please call your AHCCCS health care plan’s Member Services number. Rates Effective January 1, 2025; Rates Effective October 1, 2024; Rates Effective October 1 . Screening tools can help you find out which programs you qualify for and how to apply. However, a member can still only change from one ACC Plan directly to a different ACC Plan once a year. We have nearly 40 years of experience serving families throughout Arizona. If you qualify for AHCCCS, it will always be your best choice, even if your employer offers health insurance. The Arizona Health Care Cost Containment System has awarded contracts for long term care services to two health plans, Health Net Access, Inc. You can also call (855) 432-7587 if you need health plan enrollment information. Approved 04/01/2014; Submitted 03/17/2014; DRAFT 02/21/2014 Feb 23, 2024 · AHCCCS is Aware of Issue Impacting Health Plan Vendor. In 2013, AHCCCS integrated all services for most children enrolled in the acute care program with AHCCCS stands for Arizona Health Care Cost Containment System – Arizona's Medicaid agency. This plan gives you a choice of doctors and hospitals. American Indians/Alaska Natives can choose to enroll in an Oct 2, 2023 · About Us Banner – University Family Care: An AHCCCS Complete Care Plan. An AHCCCS health plan works like a Health Maintenance Organization (HMO). AHCCCS Medical Services include, but are not limited to, doctor’s office visits, immunizations, hospital care, lab, x- rays, and prescriptions. The initial contract term runs from October 1, 2024 through September 30, 2027 with options to extend, but not to exceed, a total contract period of seven years. Apply Online. Call Us. As of January 4, 2024, you are required to use ID. COM Feb 1, 2025 · The applicant may qualify for this program if the applicant: Is an Arizona Resident; Is a United States citizen or a qualified immigrant (if the person is not a U. For those who qualify, there are no monthly premiums. 14, 2024 AHCCCS Prepares for Arizona Long Term Care System Contract Changes. The methods used for determining eligibility for AHCCCS programs or coverage groups may be modified by Arizona's waiver or by its State Plan for Medicaid or its State Plan for the Children's Health Insurance Program (KidsCare). To better serve our provider community, AHCCCS FFS offers providers the ability to status their claims on the AHCCCS Website. 1 There were also eight insurers in the Arizona Marketplace in 2024, 2 but Medica is leaving the Arizona market at the end of 2024, and Antidote Health Plan is new for 2025. The appearance on this website of a code and rate is not an indication of coverage, nor a guarantee of payment. How to complete this page. The Centers for Medicare & Medicaid Services (CMS) established the Medicaid Managed Care Rule to: Promote quality of care; Strengthen efforts to reform the delivery of care to individuals covered under Medicaid and Children’s Health Insurance Plans (CHIP) However, when AHCCCS counts your income, they’ll knock 5% of FPL off your income if you make more than 133% of FPL. • Timely coordination of care. Feb 1, 2025 · In Arizona, this is completed through the Health-e-Arizona Plus (HEAplus) online application. grhc. org: Arizona Medical Board: 480-551-2700 or 1-877-255-2212 AHCCCS requires MCOs to achieve Medicaid Health Plan Accreditation from the NCQA. Arizona law states that members added to this AHCCCS Adult Group may only get this coverage for as long as the Federal Government gives the State funding for this group. Feb 1, 2025 · If the child is under age 26 and was in foster care in the custody of the Department of Child Safety (DCS) or an Arizona Tribe on the day the person turned age 18, the child may qualify for AHCCCS Health Insurance regardless of how much money the child has. All AHCCCS health plans provide the same covered medical services. Jul 15, 2024 · Arizona operates 24/7 crisis call centers to respond to people in need (regardless of insurance coverage) and dispatch mobile crisis teams. 3. AHCCCS Yearly Renewal Your AHCCCS eligibility will be reviewed every year. The DDD Tribal Health Program is a fee-for-service program that allows eligible members to receive services at any AHCCCS registered fee-for-service provider in Arizona that sees fee-for-service THP members. ) Jul 10, 2020 · AHCCCS is Arizona’s Medicaid program that provides health insurance for people with limited income and resources. The Guaranteed Enrollment Period ensures that eligible individuals have the opportunity to select a health plan that meets their needs. AHCCCS offers medical programs and resources to serve Arizona residents who meet certain income and other requirements. If you don’t select one, one will be chosen for you by AHCCCS. Copayment information from 10/1/2010 to 12/31/2013 System (AHCCCS) that year, Arizona was thefirst state in the nationto enroll all Medicaid beneficiaries statewide in mandatory managed care AHCCCS. Being enrolled in the same health plan for Medicare and Medicaid is called “alignment. Phone Verifications: Maricopa County: 602-417-7200; Outside of Maricopa County, within Arizona: 1-800-331-5090 Mar 31, 2022 · frames listed, please contact your health plan’s member services department. me account now required! AHCCCS partnered with ID. ACC Health Plans Website Phone # Care1st Health Plan: www. –5 p. 2 . com: 1-800-322-8670 Dec 1, 2023 · Arizona Complete Health-Complete Plan will be returning as an ALTCS-EPD health plan in addition to its current contract as an AHCCCS Complete Care plan. For more information, contact the RBHA in your area: Central Arizona at 800-564-5465; Northern Arizona at 800-322-8670; Southern Arizona at 866-495-6738. Income-based AHCCCS counts most types of earned and unearned income you have. StewardHealthChoiceAZ. care1staz. gov 801 East Jefferson, Phoenix, AZ 85034 • PO Box 25520, Phoenix, AZ 85002 • 602-417-4000 • www. The information on this page will help you prepare and apply for benefits. That’s because AHCCCS has no monthly premium and the copayments for services are usually much lower than copayments required by employer-sponsored plans. Current Plan: AHCCCS 5-Year Strategic Plan, State Fiscal Years 2025-2029; AHCCCS 5-Year Strategic Plan, State Fiscal Years 2025-2029 - Overview Infographic The Arizona Medicaid Program: AHCCCS (Access Arizona) AHCCCS, or the Arizona Health Care Cost Containment System (pronounced “access”), is the name for the Arizona Medicaid Program. Phone: 602-417-4000 Toll Free: 1-800-654-8713 UnitedHealthcare Community Plan is an Arizona Medicaid health plan serving AHCCCS Complete Care, KidsCare, and Developmental Disabilities (DD) members. 889. Apply Here. UHCCOMMUNITYPLAN. Arizona Revised Statutes ("A. Apply online at www Arizona Complete Health -Complete Care Plan: 1-888-788-4408 Banner-University Family Care: 1-800-582-8686 Care1st Health NAME OF ORGANIZATION TELEPHONE NUMBER WEBSITE; Arizona Medical Association: 602-347-6900: www. Arizona Complete Health-Complete Care Plan Member Services 1-888-788-4408, TTY/TDY: 711 Website: azcompletehealth. AHCCCS makes prospective capitation payments to contracted health plans responsible for the delivery Eight private insurance companies will offer coverage through Arizona’s health insurance Marketplace for 2025, with varying coverage areas. Oct 1, 2010 · Historical Information. AHCCCS covered procedures can be viewed in the AHCCCS Medical Policy Manual (AMPM). AHCCCS provides medical insurance coverage to thousands of Arizonans each year, for which DES provides eligibility services. AHCCCS covered services can differ based upon enrollment. org Apply for AHCCCS. If your application is approved, you can choose which AHCCCS health plan you would like to cover your benefits. Food & Drug Administration (FDA) announced that prescribing clinicians and pharmacies are no longer required to upload patient data, including registration details and absolute neutrophil count (ANC) lab results, to the Clozapine Risk Evaluation wic arizona The Supplemental Nutrition Program for Women, Infants, and Children (WIC) provides nutrition education, breastfeeding support, supplemental nutritious foods and referrals to health and social services. AHCCCS will be providing additional information and finalizing updated contracts in the coming days. If you do not like the one chosen for you, you will have 90 days to switch to another AHCCCS health plan. Jul 6, 2017 · Two AHCCCS contracted health plans, Arizona Complete Health-Complete Care Plan and Care1st Health Plan of Arizona, are affected by this proposed merger. To change from the American Indian Health Program to an AHCCCS Complete Care health plan: Call AHCCCS 602-417-7000; 1-800-962-6690; To change from AHCCCS Complete Care Health Plan to the American Indian Health Program : If you called AHCCCS and were told to complete the AIHP-002 Form. AHCCCS 801 E Jefferson St Phoenix, AZ 85034 Find Us On Google Maps. Review quarterly updates within the “living” Olmstead Plan posted to the AHCCCS Olmstead About 84% of Arizona’s Medicaid beneficiaries receive services through managed care arrangements (as of 2023, there are eight managed care plans from which AHCCCS members can choose, although plan availability varies by location). Members should check their MCO’s provider directory to confirm the provider is contracted with a specific health plan. Get more information about AHCCCS Health Plans. State Plan for The AHCCCS Director shared an important message with the AHCCCS community that highlights the member protections during the transition to the ACC contracts. o A list of ACC plans can be found on the AHCCCS website at: AHCCCS Available Health Plans You may switch your enrollment between AHCCCS AIHP and an AHCCCS Complete Care plan. Learn about lookup tools. Enter your User Name and Password to log in to your account. • A comprehensive provider network. If you are approved, you will choose a For more information, contact the RBHA in your area: Central Arizona at 800-564-5465; Northern Arizona at 800-322-8670; Southern Arizona at 866-495-6738. As an integrated plan, our health plan covers both your physical and behavioral health benefits. It offers physical and behavioral health services together to treat all aspects of your health care needs including doctor visits, hospitalization, prescription drugs and services specific to CRS conditions. Feb 1, 2025 · KidsCare - Arizona's Children's Health Insurance Program (CHIP) AHCCCS offers health insurance through KidsCare for eligible children (under age 19) who are not eligible for other AHCCCS health insurance. Mercy Care provides a range of health services and resources to help you stay healthy, including Medicaid plans and special needs plans. Services may be provided in an institution or in a home or community-based setting. Office of Individual and Family Affairs 2024-12-20 Jan 1, 2022 · For other pharmacy news, please visit the AHCCCS Pharmacy Information section on the AHCCCS website at www. (dba UnitedHealthcare Community Plan). continues to operate on a mandatory basis statewide and AHCCCS acute care , health plans cover acute, primary and specialty services. (dba UnitedHealthcare Community Plan), effective October 1, 2024. ” Alignment provides: • One plan that coordinates all care. AzCH-CCP Arizona Complete Health-Complete Care Plan currently serves approximately 372,445 acute members and Apr 24, 2023 · The Department of Insurance and Financial Institutions (DIFI) has a special message for individuals and families who may no longer be eligible for Arizona Health Care Cost Containment System (AHCCCS) coverage when their renewal comes due in the next year. The single Statewide Crisis Line number is: 1-844-534-4673 or 1-844-534-HOPE The Arizona Long Term Care System (ALTCS, pronounced ALL-Tecs) is health insurance for individuals who have an age related and/or physical disability and who require nursing facility level of care. Go to AHCCCS Available Health Plans to find information about health plans, to pre-enroll, or to change enrollment in your anniversary month. Tucson, AZ 85756: As of July 1, 2023, our new address is: 5255 E Williams Circle, Ste 2050 Tucson, AZ 85711 Mar 1, 2025 · The AHCCCS Population by County provides a summary by County and includes AHCCCS Acute Care, KidsCare, and Arizona Long Term Care Services (ALTCS) members. 01. In November of 2021, AHCCCS awarded select ACC health plans expanded contracts effective October 1, 2022. R. AHCCCS contracts with several health plans to provide covered services. (dba Arizona Complete Health-Long Term Care Plan) and Arizona Physicians IPA, Inc. Arizona Health Care Cost Containment System (AHCCCS). 4325) to end the ACA Marketplace plan or to verify that you have not been enrolled in a Marketplace plan. Look for a letter from AHCCCS to arrive 45 days before your annual renewal date that explains how to renew benefits. AHCCCS member who is unable to access health services, or if you have a concern about the quality of care, please call your AHCCCS health care plan’s Member Services number. CRISIS HELP: In AHCCCS (Arizona Medicaid), the Medicaid Guaranteed Enrollment Period is a specific time frame during which individuals who qualify for Medicaid can enroll in a health plan. Dec 31, 2024 · Arizona Complete Health-Complete Care Plan offers complete Medicaid coverage to the AHCCCS population in central and southern Arizona, including serving as the Regional Behavioral Health Authority and crisis system operator for southern Arizona. AHCCCS offers health insurance for adult relatives who are living with and caring for a child under 19 years old and who meet income and eligibility requirements. In Arizona, the new Adult Group includes childless adults 0-100% FPL and adults without Medicare that are 100-133% FPL. Feb 14, 2025 · AHCCCS Complete Care (ACC) is an Arizona-sponsored health insurance program for eligible children and adults with low incomes. Health insurance through AHCCCS helps individuals cover the cost of doctor Re 2241 3 of 4 TRIBAL REGIONAL BEHAVIORIAL HEALTH AUTHORITIES (TRBHAS) Tribal Contractor Member Services Phone Number Member Resources Gila River Indian Community 1-888-484-8525, ext. For those who qualify, there are monthly premiums. healthearizonaplus. HP ID Health Plan Name Contact Phone Website Address 110007 LTC DD DES 602-542-6857 HTTPS://WWW. If you are approved, you will choose a AHCCCS submits amendments to reflect changes in federal law, regulation, policy, or court decisions. gov • The AHCCCS American Indian Health Program (AIHP), or • The AHCCCS Complete Care (ACC) plan of your choice. Receiving or eligible for Medicare Part A; Must be an Arizona resident Health Insurance for Caretaker Relatives. If your concern is not resolved, please call AHCCCS Clinical Resolution Unit at 602-364-4558, or 1-800-867-5308. 7100 www. While AHCCCS does not have a direct relationship with Change Healthcare, many AHCCCS contracted health plans do and the outage may have an impact on AHCCCS providers and/or members. azahcccs. However, a member can change from one managed health care plan to another (for example, Mercy Care Plan to Maricopa Health Plan) only once a year. About this page. You will choose a health plan that covers your zip code area. AHCCCS works by having you choose a health plan that covers your zip code The Arizona Health Care Cost Containment System, also commonly referred to as AHCCCS (written as AHCCCS and sounds like access) is Arizona's Medicaid program. On October 1, 2022, AHCCCS updated its contracts with ACC health plans for health insurance coverage for individuals with a Serious Mental Illness (SMI) designation. HEAplus offers a quick and user-friendly process when applying for health insurance and can be accessed directly at www. For more information, contact the RBHA in your area: Central Arizona at 800-564-5465; Northern Arizona at 800-322-8670; Southern Arizona at 866-495-6738. They have a set of basic and supplemental preventative and treatment services; members generally select or area assigned a primary care physician (PCP) who, in some plans, is responsible for making referrals to specialists. AHCCCS offers health care services to persons who have limited income, are pregnant and/or have disabilities. com: 1-866-560-4042: Steward Health Choice Arizona: www. to provide care. ) §36-550. 2596 (TTY: 1. Feb 20, 2025 · Our AHCCCS Complete Care plan specialists can answer questions and help you enroll. This site provides you with a way to find a comprehensive list of available health plans in your area complete with contact information, including a website address, for each health plan. Health insurance through AHCCCS helps individuals cover the cost of doctor Health Maintenance Organizations (HMOs): HMOs are organized systems for providing healthcare in a geographic area. UnitedHealthcare offers AHCCCS Complete Care plans for Arizona and eligible counties. AHCCCS members may enroll in any health plan that serves their county. November 6, 2023 - AHCCCS is seeking public comment on the proposed merger and transition of members from Care1st Health Plan (Care1st) to Arizona Complete Health-Complete Care Plan (AzCH-CCP) and the proposed transition plan. The AHCCCS Population by Health Care Contractor chart summarizes the number of members enrolled by Health Care Contractor. citizen or qualified immigrant, they may still be eligible for emergency services. gov. me to provide secure identity verification and login services to its users. AHCCCS posted this announcement on its News and Updates web page. Use this page to access your HEAplus account. Feb 14, 2024 · Feb. Also, AHCCCS may cover some services that your employer-sponsored coverage does AHCCCS QMB – ONLY (Health Program ID #008715) This Medicare Savings Program pays the member’s Medicare part A premium (when applicable), Medicare Part B premiums, Medicare (or Medicare HMO) Co-Insurance and Medicare Deductibles, and Medicare Copays. azmed. Currently the program enrolls nearly 2 million Arizona residents. That's why we show the limit as 138% of FPL, because it more accurately shows how much you could make and still get AHCCCS. By utilizing this service providers will receive immediate status on claims that SPA 14-006 – Alternative Benefit Plan (ABP) Aligns the ABP benefits for individuals enrolled in the new Adult Group with the current State Plan. Use AHCCCS Online to: Fee-For-Service (FFS) Claims Status; Fee-For-Service (FFS) Claims Submissions; Health Plan Member Address Updates; Member Eligibility and Enrollment Verifications. me to access the AHCCCS Online portal. You can apply online for AHCCCS Medical Assistance, Nutrition Assistance, and Cash Assistance using Health-e-Arizona Plus (HEAplus). m. AHCCCS Complete Care: The Future of Integrated Healthcare. DDD Tribal Health Program (THP) Toll Free: 1 (844) 770-9500 option 7 (TTY/TDD 711) DDD Tribal Health Program. 855. Individuals must meet certain income and other requirements to obtain services. AHCCCS is Arizona’s State Medicaid Program. local time, Monday–Friday The Division of Member and Provider Services (DMPS) manages the Claims Customer Service calls for AHCCCS Fee For Service (FFS) recipients. Jan 1, 2014 · Health Insurance for Adults, beginning January 1, 2014. The Arizona Health Care Cost Containment System (AHCCCS) is committed to ensuring the availability of timely, quality health care. AHCCCS Members who also have Medicare are called Dual Eligible Members. Qualifications. Jul 1, 2023 · Our old location was: 2701 E Elvira Rd. AHCCCS is statutorily responsible for the development of a statewide plan for a “Community Residential Treatment System” for individuals designated as having a serious mental illness, pursuant to Arizona Revised Statutes (A. ") that apply to the AHCCCS program can be found at Title 36, Chapter 29. Arizona Complete Health-Complete Care Plan is owned by Centene Corporation, and currently serves approximately 209,600 members throughout Maricopa, Pinal, and Gila counties as well as the The health plans that were awarded EPD contracts that will begin on October 1, 2025 are Health Net Access, Inc. some income, employment, Social Security Income (SSI) and Social Security Disability Insurance (SSDI) can be automatically verified. Select one of the following for more information: See the AHCCCS Online FAQs for more info. Overview. Starting October 1, 2024, Arizona Complete Health-Complete Care Plan welcomes all Care1st Health Plan Arizona members! Arizona Complete Health-Complete Care Plan will be available statewide. AZDES. Ambetter offers affordable health care coverage for individuals and families. (dba Arizona Complete Health-Complete Care Plan) and Arizona Physicians IPA, Inc. Since 1982, when it became the first statewide Medicaid managed care system in the nation, AHCCCS has operated under a federal Research and Demonstration 1115 Waiver authority that allows for the operation of a comprehensive managed care model. Health insurance through AHCCCS helps individuals cover the cost of doctor’s office visits, physical exams, immunizations, prenatal care, hospital care and prescriptions they need. Oct 1, 2022 · The Plan, which is revised and updated annually, is developed within the context of Arizona's economy and a view toward the future health and economic well-being citizens of Arizona citizens. *Crisis Services are available to all adults and children in Arizona regardless of insurance or behavioral health prior experience. 318. Subscribe to Olmstead updates and receive the latest news regarding the Olmstead Plan. ID. If you are no longer eligible for AHCCCS, you have other health insurance options! Health Insurance Marketplace. Arizona Complete Health's plan is called Ambetter. AHCCCS Complete Care is an integrated health insurance plan for Arizona residents who meet certain income and other requirements. The US Department of Health and Human Services recommends contacting the ACA Marketplace Call Center directly at 1. AI/AN members can switch their enrollment between AHCCCS AIHP and an AHCCCS managed health care plan and back again at any time. The Health Insurance Marketplace is an online shopping mall of healthcare plans. This page contains links to historical information about copayments implemented by AHCCCS prior to January 1, 2014. If you are approved, you will choose a The Arizona Health Care Cost Containment System (AHCCCS) is Arizona's Medicaid agency that offers health care programs to serve Arizona residents. Since its inception in 1982, AHCCCS has significantly evolved new programs and reby integrating-shaping payment and service models in order to provide the best quality care possible to its members. The program began in 1982 and works with over 70,000 different medical providers in the state of Arizona, providing services for almost two million beneficiaries. cjaq vjotz virp gtvlr dqplj elucp zqffrnlb bpamoi gilua gixzs phznc bwysp swwksv wzefvz gesh