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Point32Health Dental and Point32Health Vision are the newest offerings within our portfolio of health and well-being solutions. They’re available for groups with 51+ employees, and plans are effective July 1, 2024. Contact your account manager or broker about adding dental and vision coverage to your medical plan today. Harvard Pilgrim ...Get to know the resources available to you and your family. Access high-quality care, support and services along your entire wellness journey. Harvard Pilgrim is a leading …Prescription drug plans. Harvard Pilgrim works with Optum Rx to manage our pharmacy benefits. The type of drug plan you have (either Premium, Value or Core NH) will be shown on your ID card. The dollar or percentage amounts next to “Rx” on your card will tell you how many tiers your plan has. If your card does not show a …Nov 15, 2023 · CHA accepts most major health insurance plans, such as Tufts, Blue Cross Blue Shield of MA, Harvard Pilgrim, and many commercial plans, ensuring that its employees have access to quality healthcare services. In addition to offering coverage to eligible part-time employees and family members, CHA’s health insurance policy also features: If you’ve ever shopped for insurance or looked for new ways to access discounts on goods and services, you’ve probably come across AARP and its famed membership program at least on... If you believe that you qualify for this special enrollment period, visit Harvard Pilgrim and follow the steps for Quality for a Special Enrollment Period. Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care of New England and HPHC Insurance Company. In an April 19 email sent to insurance brokers and other stakeholders, Massachusetts-based Harvard Pilgrim said its parent company, Point32Health “has made the difficult decision to withdraw ...Most people in the United States do not have an insurance cover and those who are employed depend on their employer-sponsored group health insurance, which is offered …These are examples of covered services. The Schedule of Benefits has more details on benefits and cost sharing. It governs in the event that the information in this document is different. See the next page for an example of the out-of-pocket costs that you may have with an in-network doctor’s visit. Discover wellness programs that empower healthier lives through fun, interactive monthly challenges and activities — and earn rewards for taking part! Explore healthy eating, mindfulness, financial wellness, stress management and more. You’re sure to find a program to fit your needs. Browse our wellness programs. Whether you’re looking to purchase a brand new policy during open enrollment in the Healthcare Marketplace or you’re pretty happy with your current plan, saving money on the cost o... Let us help you choose the best plan for you. Individual & family plans: 888-333-4742 (TTY: 711) Medicare plans: 866-843-3186 (TTY: 711) Harvard Pilgrim offers a wide variety of very competitive plans to help individuals and families meet different needs and budgets. Prescription drug plans. Harvard Pilgrim works with Optum Rx to manage our pharmacy benefits. The type of drug plan you have (either Premium, Value or Core NH) will be shown on your ID card. The dollar or percentage amounts next to “Rx” on your card will tell you how many tiers your plan has. If your card does not show a specific drug plan ...If you have any questions or would like more information on when you can end your membership, you can contact Member Services at 1‐888‐609‐0692 (TTY: 711). Our Representatives are available October 1 – March 31, from 8 a.m. to 8 p.m., 7 days a week, and April 1 ‐ September 30, from 8 a.m. to 8 p.m., Monday …Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care, Harvard Pilgrim Health Care of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Want to know more? Already an HPHC member: (888) 333-4742 Not yet a member: (800) 542-1499 TTY: 711 For questions about …Medical Benefits. Best Buy HSA PPO ChoiceNet HMO & HSA HMO Best Buy HRA HMO. ElevateHealth. SM. HSA • Harvard Pilgrim places physicians and hospitals into one of three tiers based. on cost and quality performance. You will pay different cost sharing based on a provider’s assigned benefit tier. • Your cost-sharing amount depends on Health plan guidance. If you’re a member that has a question about your Harvard Pilgrim health plan or are interested in one of our health plans, contact member services at (888)-333-4742 or by sending a secure email. And for benefit documents and other member resources, log in to the secure member account. Carelon Medical Benefits Management manages the genetic testing authorization program. Refer to www.carelon.com or call 855-574-6476. Prenatal Care (outpatient) nonenone • Private Duty Nursing A A Not covered under most Harvard Pilgrim plans. Podiatry/Foot Care R none Prosthesis Coverage A A MNG (upper) PAF MNG (lower) PAFHarvard Pilgrim is a not-for-profit health services company that has been in business since 1969. The company offers PPO, HMO, and POS plans that contain options like health savings accounts, reimbursement arrangements, flexible spending accounts, and wellness program options. Top-rated health plans that serve more …For more details on dental coverage, visit HPHC Stride HMO 2023 Plan Documents. Look for the “Dental Addendum” which includes a list of the approved dental procedures. If you have any questions, please contact Medicare Broker support: Email: [email protected]. Call: 1-833-984-2387. …Contact HUSHP Member Services at (617) 495-2008 or Blue Cross Blue Shield of Massachusetts at (800) 257-8141 if you need assistance. Limitations and exclusions apply, so it is important to familiarize yourself with the Student Health Insurance Plan benefits before seeking care.understand that any person choosing to enroll at a time other than during my employer’s open enrollment must meet Harvard Pilgrim’s requirements for eligibility and the special enrollment rights summarized below. If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance ...The benefits of self-employment are numerous. You maintain a large degree of independence in when, where and how you work. You have ample flexibility in whom you work with and in p...If you have any questions or would like more information on when you can end your membership, you can contact Member Services at 1‐888‐609‐0692 (TTY: 711). Our Representatives are available October 1 – March 31, from 8 a.m. to 8 p.m., 7 days a week, and April 1 ‐ September 30, from 8 a.m. to 8 p.m., Monday …2. Consider choosing a plan that includes an HSA or FSA Depending on your family’s health needs, a health financial account like an HSA (health savings account) or FSA (flexible spending account) could help make your money work harder for you. Both HSAs and FSAs are savings accounts that can be used for out-of-pocket medical expenses and health …Welcome, HMFP & APHMFP employees! Thanks for stopping by! Learn about your HMFP medical plan and coverage, search for a provider, access behavioral health resources, and get full details on the Plan Well Live Well On the Go program.A Silver health insurance plan from Harvard Pilgrim costs an average of $563 per month. Health insurance plans from Harvard Pilgrim Health Care are only available in three states: Maine, Massachusetts and New Hampshire. No matter what state you live in, you can probably get a cheaper plan with another health insurance company.Harvard Pilgrim is an HMO/HMO POS plan with a Medicare contract. Enrollment in Stride SM (HMO) depends on contract renewal. Links on this page may take you away from the Harvard Pilgrim Health Care website. H6750_23036 Last …Contact Us. Member Services call (844) 442-7324 (TTY: 711) Ready to enroll or need additional information from the GIC? Click here. Let us help you choose the best plan for you. Individual & family plans: 888-333-4742 (TTY: 711) Medicare plans: 866-843-3186 (TTY: 711) Harvard Pilgrim offers a wide variety of very competitive plans to help individuals and families meet different needs and budgets. Coinsurance: This is a fixed percentage of costs that you pay for covered services. For example, if you have a plan with coinsurance, you may have to pay 20% of a provider’s bill for your care, while Harvard Pilgrim pays 80%. Coinsurance is usually something you pay after you have paid an annual deductible. Cost sharing: Cost sharing is what ... Items can be selected from the 2023 Over-the-Counter Brochure and by calling 1-888-609-0692 TTY: 711 to place the order. If you have any questions, please contact Medicare Broker support: Email: [email protected]. Call: 1-833-984-2387. Harvard Pilgrim Health Insurance Company was founded over 30 years ago with the mission, “to improve the health of the people we serve and the health of society.”. Ever since, they have done their best to improve health care for their clients in Maine, New Hampshire, and Massachusetts through disease management, preventive care, and …The Alma insurance program includes the following insurance plans and geographies. To be eligible for payment, you must be (1) licensed in the state you're providing service and (2) credentialed via Alma with each network payer. Please keep in mind that insurance companies define benefits in countless ways — based on location, employer ...COVID-19 testing and coverage Important updates. Member Cost-Sharing Update: If you are enrolled in a high-deductible health plan, the Internal Revenue Service requires COVID-19 testing and treatment to apply to the deductible starting with your plan’s 2024 coverage anniversary date. If your coverage anniversary date was January 1, 2024, …If you have any questions or would like more information on when you can end your membership, you can contact Member Services at 1‐888‐609‐0692 (TTY: 711). Our Representatives are available October 1 – March 31, from 8 a.m. to 8 p.m., 7 days a week, and April 1 ‐ September 30, from 8 a.m. to 8 p.m., Monday …These are examples of covered services. The Schedule of Benefits has more details on benefits and cost sharing. It governs in the event that the information in this document is different. See the next page for an example of the out-of-pocket costs that you may have with an in-network doctor’s visit.These are examples of covered services. The Schedule of Benefits has more details on benefits and cost sharing. It governs in the event that the information in this document is different. See the next page for an example of the out-of-pocket costs that you may have with an in-network doctor’s visit.This means that all claims are processed first through your other insurance and then processed by the SHIP. To avoid any claims issues, please notify your providers of both plans. Please contact BCBS Coordination of Benefits at (888) 799-1888 for more information. Let us help you choose the best plan for you. Individual & family plans: 888-333-4742 (TTY: 711) Medicare plans: 866-843-3186 (TTY: 711) Harvard Pilgrim offers a wide variety of very competitive plans to help individuals and families meet different needs and budgets. When companies offer health benefits that support a holistic approach to improving overall well-being, the numbers follow suit:. Individual productivity rises Employees considered to have poor well-being only accomplish 64% of potential work output – a far cry from the 83% accomplished by those considered to have excellent well-being. Harvard Pilgrim is excited to offer our new wellness reimbursement program, which expands on the existing fitness reimbursement. Now, you and dependents on your health plan can be reimbursed for qualifying fitness, select nutrition and mindfulness program fees up to $150 per individual plan and up to …The mascot for Harvard University, as of 2014, is the pilgrim John Harvard. John Harvard was the first benefactor of the university. Harvard University’s school color is crimson, w...Let’s explore six of the most common health insurance myths: Myth #1. “The least expensive monthly premium is the least expensive health plan.”. Lower premiums don’t necessarily equate to overall lower out-of-pocket costs for health insurance. Depending on your family’s and your needs, paying a higher premium that covers services ...Get to know the resources available to you and your family. Access high-quality care, support and services along your entire wellness journey. Harvard Pilgrim is a leading not-for-profit health services company serving members in Connecticut, Maine, Massachusetts, New Hampshire & beyond. Call us today! Coinsurance: This is a fixed percentage of costs that you pay for covered services. For example, if you have a plan with coinsurance, you may have to pay 20% of a provider’s bill for your care, while Harvard Pilgrim pays 80%. Coinsurance is usually something you pay after you have paid an annual deductible. Cost sharing: Cost sharing is what ... Taylor Benefits Insurance Agency is Georgia’s leading group health insurance & employee benefit plan specialist. Call us at 800-903-6066 for a free proposal! Providing world class service and value for employee benefit group plans since 1987; 800-903-6066; Our Team; About Us; Employee Benefits Packages; Info Center;Taylor Benefits Insurance Agency is Maryland's leading group health insurance & employee benefit plan specialist. Call us at 800-903-6066 for a free proposal! ... Approximately 80% of Maryland residents with private health …How Flex plans help you save money. With Flex plans, you can pay lower out-of-pocket costs when you get laboratory services or outpatient surgery from Flex providers. The deductible, which most Flex plans include, will not apply; you'll have no charge for lab tests (except for genetic testing) and pay a copayment (typically lower than a ...Get to know the resources available to you and your family. Access high-quality care, support and services along your entire wellness journey. Harvard Pilgrim is a leading not-for-profit health services company serving members in Connecticut, Maine, Massachusetts, New Hampshire & beyond. Call us today!Harvard provides comprehensive health benefits and insurance programs that support you and your family. With our many options, you can find coverage that meets your needs at all stages of your life. ... Email: [email protected] Fax: 617-496-3000 Medical HUGHP Member Services: 617-495-2008 [email protected]. Consider choosing a plan that includes an HSA or FSA Depending on your family’s health needs, a health financial account like an HSA (health savings account) or FSA (flexible spending account) could help make your money work harder for you. Both HSAs and FSAs are savings accounts that can be used for out-of-pocket medical expenses and health …Harvard Pilgrim! As a Group Insurance Commission (GIC) member, you have a lot of choices for health insurance. When you choose Harvard Pilgrim’s limited-network Primary ChoiceSM HMO or broad-network IndependenceSM Plan POS, you get great benefits and coverage, plus a whole lot more to help you be well. And …800-637-4751, then option 1. Email the Broker Employer Service Team. Small Group Implementation and Quoting. For small group installs, quoting and renewal. Mon. – Fri. 8:30 a.m. - 5 p.m. 800-637-4751, then option 2. New Business Sales Inquiries. For large groups (50+) Contact your Sales Executive or call 800-637-4751, then option 2.Taylor Benefits Insurance Agency is the Los Angeles leading group health insurance & employee benefit plan specialist. Call us 800-903-6066 for a free proposal! Providing world class service and value for employee benefit group plans since 1987; 800-903-6066; Our Team; About Us; Employee Benefits Packages; Info Center;Lower-cost, limited-network plan — save on your premium. Available if you live in Massachusetts (excluding Martha’s Vineyard, Barnstable County and Nantucket residents). Choose a Primary Choice PCP to deliver and arrange for your care, including referrals to specialists. Make sure your providers and hospitals participate; many – but … Harvard Pilgrim members can access a comprehensive network of medical and behavioral health care providers, along with innovative programs and services, to improve physical and mental well-being in whether in-person or virtual settings. 1 . Behavioral Health Service Navigation Program Contact Us. Member Services call (844) 442-7324 (TTY: 711) Ready to enroll or need additional information from the GIC? Click here. Generally provided in several types (medical insurance, dental insurance, vision insurance, etc.), health insurance allows American to access various treatment services and facilities. Addiction rehab services may be covered by one's insurance plan, meaning that you may be able to use your insurance benefits to access addiction …HealthPartners is one of the top-rated private health plans in Minnesota and one of the highest-rated plans in the nation, with a rating of 4.5 out of 5, according to the National Committee for Quality Assurance (NCQA) Private Health Insurance Plan Ratings 2018-2019. HealthPartner’s Healthcare market share according to NAIC’s report: 0.31%. If you believe that you qualify for this special enrollment period, please call us at 855-354-4742, and we will be happy to assist you. Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Harvard Pilgrim offers a wide variety of very competitive plans to help individuals and families meet ... Whether you’re looking to purchase a brand new policy during open enrollment in the Healthcare Marketplace or you’re pretty happy with your current plan, saving money on the cost o...In this article, we will delve into the benefits of a Large Group Health Insurance Plan, Taylor Benefits large group health insurance plans feature best value and coverage for medical, dental, vision and more. Learn more or get a free quote. Providing world class service and value for employee benefit group plans since 1987;When it comes to finding the right insurance coverage, it can be difficult to know where to start. Fortunately, Progressive Insurance offers a wide range of coverage options that c...When it comes to finding the right insurance coverage, it can be difficult to know where to start. Fortunately, Progressive Insurance offers a wide range of coverage options that c...Summary: The Best Health Insurance Companies. Kaiser Permanente and Blue Cross Blue Shield are the best health insurance companies in the U.S., based on Forbes Advisor’s analysis ...See your own doctors – visit any doctor who accepts Medicare patients. Live anywhere in the United States and be enrolled in Medicare Parts A and B. No requirement to choose a primary care provider (PCP) or obtain referrals to specialists (although we recommend having a PCP to coordinate your care.) Simple and …These are HMO plans that require members to choose a PCP (Primary Care Provider) and receive referrals to specialists for specialty care as needed. These plans offer a special feature: they allow members to save money when receiving diagnostic lab testing and outpatient surgery procedures from LP providers. See the list of LP providers below.Let’s explore six of the most common health insurance myths: Myth #1. “The least expensive monthly premium is the least expensive health plan.”. Lower premiums don’t necessarily equate to overall lower out-of-pocket costs for health insurance. Depending on your family’s and your needs, paying a higher premium that covers services ...Travel insurance is a must have for traveling the world and keeping peace of mind. This applies whether you are traveling for fun or taking a business trip to another area. The ben...If you’ve ever shopped for insurance or looked for new ways to access discounts on goods and services, you’ve probably come across AARP and its famed membership program at least on...On average, Texas group health insurance plans cover approximately 92% of medical expenses. More than 2 million employees and their dependents are covered by group health insurance in Texas. The average monthly premium for Texas group health insurance is $336 per employee. Approximately 95% of Texas group health insurance plans provide …If your clinician accepts Harvard Pilgrim coverage You can continue treatment, provided it is a covered benefit. ... Harvard Pilgrim participating providers include the Private Healthcare Systems (PHCS) network of nearly 500,000 providers and 3,700 facilities across the United States.Welcome to Harvard Pilgrim At Harvard Pilgrim Health Plan, we are committed to providing GIC members access to high-quality health care coverage and services to help you stay healthy. Our Medicare Enhance health plan offers preventive care, behavioral health services, wellness programs, and many other great perks.Please contact Harvard Pilgrim Member Services at (888)-333-4742 if you need additional assistance. Please enter the name (s) and date (s) of birth for dependents you wish to include on the 1099-HC form. Dependents are any members covered on your. Coinsurance: This is a fixed percentage of costs that you pay for covered services. For example, if you have a plan with coinsurance, you may have to pay 20% of a provider’s bill for your care, while Harvard Pilgrim pays 80%. Coinsurance is usually something you pay after you have paid an annual deductible. Cost sharing: Cost sharing is what ... For more details on dental coverage, visit HPHC Stride HMO 2023 Plan Documents. Look for the “Dental Addendum” which includes a list of the approved dental procedures. If you have any questions, please contact Medicare Broker support: Email: [email protected]. Call: 1-833-984-2387. *Excludes …Harvard Pilgrim is looking out for your physical, mental and financial well-being during these challenging times. If you lost your employer-sponsored health insurance, you may … Harvard Pilgrim is looking out for your physical, mental and financial well-being during these challenging times. If you lost your employer-sponsored health insurance, you may be eligible for a special enrollment period to purchase individual coverage for you and your family. Private health insurance is individual health insurance available to an individual or family through either the federal or state health insurance marketplace (where ACA plans are sold) or directly from private insurance companies. "Policyholders purchase this type of coverage directly from the insurer rather than through a plan sponsored by an ... • Up to $150 annual Fitness Reimbursement Benefit • And more Our Medicare Supplement Plan is offered by HPHC Insurance Company, an affiliate of Harvard Pilgrim Health Care. To learn more about Harvard Pilgrim’s Medicare Supplement Plan, we invite you to review Medical Benefits. Best Buy HSA PPO ChoiceNet HMO & HSA HMO Best Buy HRA HMO. ElevateHealth. SM. HSA • Harvard Pilgrim places physicians and hospitals into one of … These Benefits Trends Will Shape the Workplace in 2024. Discover trends changing the workplace and having an impact on benefits packages in 2024. Psychologist or Psychiatrist? Behavioral Health Roles Explained. Harvard Pilgrim’s Term Talk series covers what the most common behavioral health roles are and how they differ from one another. Group health insurance covers around 2.6 million individuals in New York. More than 80% of small businesses with 50 or more employees provide group health insurance benefits. General Facts. Group health insurance in New York provides coverage for a group of individuals, such as employees of a company or members …Small businesses are the backbone of the economy, providing goods and services to communities across the country. However, with the benefits of owning a small business come respons... Harvard Pilgrim Health Care Close Menu Close Search Website. ... Insurance & Benefits. 4 Ways Brokers Can Make Virtual Open Enrollment Easy and Efficient. Apr 4, 2023 · Welcome to Harvard Pilgrim At Harvard Pilgrim Health Plan, we are committed to providing GIC members access to high-quality health care coverage and services to help you stay healthy. Our Medicare Enhance health plan offers preventive care, behavioral health services, wellness programs, and many other great perks. If you’ve ever shopped for insurance or looked for new ways to access discounts on goods and services, you’ve probably come across AARP and its famed membership program at least on...Harvard Pilgrim’s dental plans support your oral health with exceptional service. Use this site to learn about your benefits and find a dental provider near you. Key Dates for 2025 …Harvard Pilgrim Health Care—Provider Manual H.103 March 2016 Payment Policies Fraud, Waste and Abuse Definition Harvard Pilgrim Health Care will protect the interests of its constituents (including members, employers, and provid-ers) and Harvard Pilgrim corporate assets against those who knowingly …Note that you cannot add the event prior to the event date. All other qualified life events: Call Benefits as soon as possible at 617-496-4001, or by email at [email protected], in order to make changes within the 30-day enrollment period. Once you have contacted Benefits, an enrollment packet with instructions on how to make changes via ...If your clinician accepts Harvard Pilgrim coverage You can continue treatment, provided it is a covered benefit. ... Harvard Pilgrim participating providers include the Private Healthcare Systems (PHCS) network of nearly 500,000 providers and 3,700 facilities across the United States.These are HMO plans that require members to choose a PCP (Primary Care Provider) and receive referrals to specialists for specialty care as needed. These plans offer a special feature: they allow members to save money when receiving diagnostic lab testing and outpatient surgery procedures from LP providers. See the list of LP providers below.Harvard offers a full range of benefits to keep you and your family healthy, provide financial protection in the event of an unforeseen event and help you build long-term security for retirement. Learn about your benefit options and enrollment deadlines by selecting the resources below for your employee group. Note that you have 30 …2023 Plan Documents. Harvard Pilgrim Stride SM (HMO) / (HMO-POS) member ID card samples are shown below: View or download PDFs of Summary of Benefits, Evidence of Coverage, Provider and Pharmacy Directories and more. This booklet provides a summary of plan benefits and coverage. This … Learn About Our Products. Harvard Pilgrim Health Care offers a wide range of plans to meet the needs of members and employers throughout our service area. Our family of plans includes standard, tiered, and limited network products, senior plans, and national plans, as well as health benefit administration for self-funded employer groups. Below ... Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Service Coverage for: Employee/Family | Plan Type: PS1 Coverage Period: 01/01/2022 …I have Harvard pilgrim for my insurance. One of the reasons why we stick with them is because they are not a publicly traded. I believe most major insurance companies are, which means some of the money you pay for premiums pays dividends to an investor. With Harvard Pilgrim, that means more of the money you pay in premiums goes to healthcare … Hey All, I had a question about health insurance. GIC is changing for teachers this year and with Tufts being merged with Harvard Pilgrim the timing is right for me to lose a plan that had started to give me a lot of problems with doctors/hospital systems I use-That was Tufts Spirit. One in particular (Mass, Eye, & Ear) just stopped accepting it. For plans that do provide 100% coverage, preventive care must be received from a provider in the Harvard Pilgrim network. Only certain services qualify as preventive. If you have any questions about whether a service is preventive, please check your specific plan information. Please note: you may receive non-preventive services … Let us help you choose the best plan for you. Individual & family plans: 888-333-4742 (TTY: 711) Medicare plans: 866-843-3186 (TTY: 711) Harvard Pilgrim offers a wide variety of very competitive plans to help individuals and families meet different needs and budgets. Member? Register now! Create a secure account to see your personal health information. Forgot password or username? Need help with your account? Contact Member Services at (888) 333-4742.Aflac’s cancer/specified-disease insurance policy is a supplemental policy that provides policyholders with cash benefits for cancer-related expenses, explains the company. It is a...Harvard Pilgrim consistently ranks among America’s highest-rated private health plans according to an annual ranking of the nation’s best health plans by the National …Let’s explore six of the most common health insurance myths: Myth #1. “The least expensive monthly premium is the least expensive health plan.”. Lower premiums don’t necessarily equate to overall lower out-of-pocket costs for health insurance. Depending on your family’s and your needs, paying a higher premium that covers services ...Harvard Pilgrim works with United Behavioral Health. Once I had a diagnosis/got in the "system" it was smooth sailing. They really understand that is easier for everyone if treatment is consistent and you will never run out of appointments as long as your doctors/therapists think you need them. TL;DR Harvard Pilgrim is AMAZING.Spectera vision insurance offers a variety of plans that are cost-saving, broad and diverse, and it also offers freedom of choice regarding eyewear. As of 2015, members of Spectera... If you believe that you qualify for this special enrollment period, please call us at 855-354-4742, and we will be happy to assist you. Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Harvard Pilgrim offers a wide variety of very competitive plans to help individuals and families meet ... | sfplctr (article) | dlcq.