Can I use my WellCare Flex Card for a family member's healthcare expenses? Today, the company offers benefits with every Medicare beneficiary in mind, such as dental, hearing and vision services; Flex Cards to assist with co-pays; transportation services; telehealth visits; wellness and fitness programs; in-home support services; and special supplemental benefits for the chronically ill. Wellcare is a wholly owned subsidiary of Centene Corporation, a leading multi-national healthcare enterprise committed to transforming the health of the community, one person at a time. No, the Wellcare Flex Card is only intended for qualified healthcare expenses. These include, but are not limited to: Copayments And Deductibles: Your card can be used to pay for copayments and deductibles related to medical services, such as doctor visits, lab tests, and prescriptions. %PDF-1.5 % Cosmetic procedures not covered by this benefit. Learn more about how we ensure our content is accurate, thorough, and unbiased by reading our. He has more than 20 years of experience working in the senior healthcare industry. Wellcare is part of Centene Corporation, the sixth-largest provider of Medicare Advantage plans. So, to qualify, you must have a participating policy. You gain access to Medicare and may choose to retire. Our website services, content and products are for informational purposes only. The debit card your prepaid with a set billing of capital in be previously any month ($25 other $50, varying by plan). The Company also serves several international markets, and contracts with other healthcare and commercial organizations to provide a variety of specialty services focused on treating the whole person. Currently, Medicare flex cards are a benefit of Medicare Advantage plans only. Medicare does not issue the flex card. Wellcare plans struggle in several categories, and member satisfaction leaves them behind other Medicare Advantage providers. Enrollment in our plans depends on contract renewal. This list of important factors is not intended to be exhaustive. For more information about Wellcare, visitwww.wellcare.comand follow them onFacebook. Insurance carriers offer the flex card as an incentive to get enrollees to sign up for their Medicare Advantage plans. Check Balance Check Your Card Balance Quickly and easily check the balance on your card without logging into your account! Starting on April 24, 2023, if you are a broker with an email address on file, you will receive copies of customer letters by email only. Wellcare by Health Net is issued by Health Net Life Insurance Company. You may opt out of future communications at any time. When you choose a Wellcare Medicare Advantage plans, you can personalize your coverage with the NEW Visa Flex Card. Keeping a check on your WellCare Flex card balance is especially important for those who have a high deductible plan or are paying for services out of pocket. Medicare Agent Resource Center (M.A.R.C.). To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. Centene completed the acquisition of Wellcare in early 2020. Wellcare Medicare Advantage plans may also include a drug plan (Part D) and other benefits, such as vision, dental and hearing. Original Medicare beneficiaries not enrolled in a Medicare Advantage plan are not eligible for the flex card. wellcare | Flex Card for Dental, Vision, and Hearing (DVH): Important Information . Consult your plan documents or contact your health plan's customer service for more information on fund expiration. For easy access to Wellcare product and benefit information, please review the resources below to see what benefits your members can take advantage of, and why Wellcare should be their healthcare provider of choice. You can find more help for seniors with similar programs offering discounts and assistance. The card can be used to cover things like dentures, sunglasses, extra hearing support devices or other qualifying costs that go beyond your plans benefits. The choice is yours. . Do`rdK` D l2Q`] dn s%10v0 &"x Additionally, checking the balance on the card can help customers identify any fraudulent activity or unauthorized charges so that they can take action to protect their financial information. Members will automatically receive their pre-loaded and activated VISA debit card in the mail, and dollars are available on day 1 with no waiting Members can access their account via phone, portal and/or IVR Benefit amounts range from $100 to $2,500 New for 2022: Simply use your Visa Flex Card to pay for the items or services, up to your set amount. This card was issued to all new members in 2022. You will NOT be able to get Store Branded rewards with Over The Counter (OTC) card purchases. Call to learn more. 162 0 obj <>stream These include, but are not limited to: To ensure you're purchasing eligible items, refer to the OTC product list provided by WellCare. These cards are for qualified medical expenses like medical equipment, copays or coinsurance, Dental, vision, or hearing care, prescriptions, over-the-counter items, diagnostic devices, healthy food, and more. The Wellcare Flex Card is a prepaid debit card that provides seniors with an easy and convenient way to access funds designated for qualified healthcare expenses. No. Review your plan documents or contact customer service to learn about any fees that may apply to your card. Medicaid services are funded in part by the state of New Mexico. Don't forget to monitor your balance regularly to make the most of your WellCare Flex Card benefits. William Rivers is an editor with a masters degree in Human Services Counseling at Maine State University. What Can Seniors Expect From An AMC Senior Discount. Ohana Health Plan, a plan offered by WellCare Health Insurance of Arizona, Inc. Washington residents: Health Net Life Insurance Company is contracted with Medicare for PPO plans. Eligible McCs are: 8021-Dental; 8042 & 8043-Vision; 5975-Hearing Aids and Sales, Not all plans/markets offer the Flex Card for DVH. Some plans may charge fees for certain transactions or services, such as replacing a lost card or requesting a paper statement. It will ideally be used after the base benefit allowance has been exhausted (better buying power), but this is not a requirement. For plans with a premium, monthly costs range from $6.10 to $232. Telehealth services, wellness and fitness programs, in-home support services and benefits for customers suffering from chronic illness are also among additional benefits offered. Know what the Wellcare Flex Card does and how you can benefit from its benefits in this Senior Strong blog. Wellcare offers a variety of Medicare Advantage plan options, including PPO plans, HMO plans and D-SNPs. There are two Flex cards for Wellcare this year. Can I use my Wellcare Flex Card at any healthcare provider? To activate your card, simply call the customer service number on the back of the card and follow the prompts. If your purchase exceeds the available balance, you will be responsible for paying the difference. Unsolicited phone calls: Reputable insurance companies generally dont call, text, or email you unless you contact them first. The availability of the card and the amount of money you get vary widely by health insurance carrier, the plan you choose, and where you live. Chronic Illness Supplements: Some rates include unique established illness benefits, including groceries, incidentals, and concierge services. In these programs, states cover some Medicare costs depending on an individuals eligibility. Extra Benefits If youre eligible for both Medicare and Medicaid, Wellcare also offers plans in several states with dual access to both federal government programs. Please reference your Explanation of Coverage (EOC) to see your full breakdown of benefits. Some WellCare Medicare Advantage plans also include a $25 or $50 healthy foods card for eligible people to buy foods. WellCare is partnering with Wex to expand our Supplemental Flex Card benefit for 2021. Based on the recently released final rule document, CMS has extended the length of SEPs that are based on Federal, State or Local Emergency/Disaster Declarations. If you enroll after January 1, your benefit is available the day your plan coverage begins. Call Now. Financial and other information about Centene is routinely posted and is accessible on Centene's investor relations website,https://investors.centene.com/. If youre purchasing approved over-the-counter (OTC) items or paying for a prescription copay at the store, youll swipe the card like any other debit card. Below are some Medicare Advantage plans that offer flex cards and a few items that are covered: Out-of-pocket costs for vision, dental, or hearing services, Dental, vision, and hearing out-of-pocket costs or additional services. The Wellcare Flex Card is an essential financial tool that simplifies healthcare expense management for senior citizens. Get to know us, and see how we can help you take your business to the next level. The compensation we receive for those placements affects how and where advertisers offers appear on the site. The WellCare VISA Flex Card Wellcare Medicare 3.69K subscribers Subscribe 37K views 2 years ago Learn how you can save more on dental, vision and hearing services with the WellCare VISA Flex. Following these tips and strategies can help you better manage your WellCare Flex Card Balance: One way to stay on top of your WellCare Flex Card balance is to regularly track your healthcare expenses. But not all health plans offer this feature. Enter the Medicare flex card. How Much Can You Get With A Harris Teeter Senior Discount? Enrollment in our plans depends on contract renewal. Flex cards give members cash for additional benefits: WellCare Medicare Advantage members receive between $200 and $2,500 in Visa Flex cards, depending on plan and location. If you are wondering what can I buy with my Wellcare Flex card?, this comprehensive guide is designed to help you understand the ins and outs of the WellCare Flex Card, detailing what you can buy with it, and providing helpful tips to ensure you make the most of this valuable resource. To get the card, you'll need to enroll in a Medicare Advantage plan that offers the program. In particular, these statements include, without limitation, statements about our future operating or financial performance, market opportunity, growth strategy, competition, expected activities in completed and future acquisitions, including statements about the impact of our proposed acquisition of Magellan Health (the Magellan Acquisition), our completed acquisition of WellCare Health Plans, Inc. (WellCare and such acquisition, the WellCare Acquisition), other recent and future acquisitions, investments, and the adequacy of our available cash resources. While these plans may help to lower costs by giving back some or all of your Part B premium, this benefit may have reduced coverage in other areas, such as in dental or vision benefits. Generally, benefits start at a few hundred dollars. Without limiting the foregoing, forward-looking statements often use words such as "believe," "anticipate," "plan," "expect," "estimate," "intend," "seek," "target," "goal," "may," "will," "would," "could," "should," "can," "continue" and other similar words or expressions (and the negative thereof). . The Medicare flex card for seniors can help you manage your healthcare and other out-of-pocket costs. Please note that the Flex Card does not cover over the counter or grocery expenses. Unfortunately, scammers may target seniors with advertisements containing misleading information. If you are having difficulty accessing this website, please call or email us at (855) 268-2822 or ada@goodrx.com so that we can provide you with the services you require through alternative means. To enable these alerts, log in to your account on the WellCare Flex Card website or app, and adjust your notification preferences. The WellCare Flex Card is a healthcare payment card that offers a convenient way to pay for eligible healthcare expenses. About Centene CorporationCentene Corporation, a Fortune 25 company, is a leading multi-national healthcare enterprise that is committed to helping people live healthier lives. William Rivers is an editor with a masters degree in Human Services Counseling at Maine State University. Chapter provides GoodRx users with the most comprehensive Medicare guidance in America. This is not a replacement for existing coverage. The Flex card is to assist with out of pocket expenses at the dental/vision/hearing specialists that accept the card. You can conveniently do this by filing a claim on the Flex Card Member Portal,or mailing a Reimbursement Request Form found under the Tools & Support tab in your online portal. The Forbes Health editorial team is independent and objective. Medicare Flex Card Eligibility For Seniors: Everything You Need To Know, Kohl's Senior Discount: Age Requirement, Benefits, And More, Goodwill Senior Discount Policy And Details, Great Clips Senior Discount: What To Expect. I would also like to sign up for a free GoodRx account, Written by Ronilee Shye, PharmD, BCGP, BCACP, CDE. button to complete the process. This site does not include all companies or products available within the market. You do not need to create a PIN code. 0 Of Wellcare's HMO, PPO and PFFS plans in 2023, nearly seven out of 10 offer a $0 premium. You can discover more benefits and discounts for seniors by checking out our senior care resources on Senior Strong. Wellcare has been providing Medicare and Medicare Advantage coverage for over 20 years. These plans provide cash back monthly in amounts ranging from $60 to $170, distributed by check or through your social security deposit, which can help pay for the 2023 standard Medicare Part B premium of $164.90. So if youre enrolled in original Medicare, this card will not be available to you. He has more than 20 years of experience working in the senior healthcare industry. Making The Most Of Your Wellcare Flex Card. There are multiple tools on how to assist your members with enrolling with Humana. At Senior Strong, you can show your loved ones just how much you value them. By regularly checking your balance, tracking your expenses, planning for future costs, setting up alerts, understanding your plan's rules, and keeping your receipts, you'll be well-equipped to make the most of your WellCare Flex Card benefits. But theres a limit on how many extra benefits you can choose, and these services may have to be verified as medically necessary by a healthcare provider. Get The Most Out Of Your WellCare Flex Card. Published. Flex cards are a crucial financial tool for seniors, and its important to understand how to manage them. Only about a quarter of Wellcare members who have contracts with a Medicare star rating in 2021 have arrangements with a rating of 4 or more (out of 5). It is specifically designed to offer seniors enrolled in their Medicare Advantage plans an easy way to access and manage their health care spending. But be mindful that not all Medicare Advantage plans offer the program. To use, swipe the card to pay for services received at a dental, vision or hearing provider. Claims are processed within 2 business days. But before using it, you may have to: Activate your card. Our partners cannot pay us to guarantee favorable reviews of their products or services, {{ tocState.toggleTocShowMore ? Wellcare's OTC benefit will be on the member ID card. For example, ask these questions: Does the insurance company have a good track record? Check to see if your medications are included in a Wellcare Part D plan before enrolling in coverage. GoodRx users can now work with Chapter to receive the most comprehensive search on Medicare plans. Any prescription drug plan is a good plan if it covers your specific prescription medications. At Senior Strong, you can show your loved ones just how much you value them. Additional benefits include non-medical transportation to places such as churches, gyms, and grocery stores as well as quarterly allowances for use on assistance devices including air conditioners or durable medical equipment (DME) such as grab bars, non-slip mats, or air purifiers, subject to availability. $0 prescriptions and healthy foods benefit. If you have any questions or concerns, don't hesitate to reach out to your health plan's customer service for assistance. endstream endobj startxref To easily check your balance, log into theFlex Card Member Portal. But if you havent saved enough money, it may be challenging to cover your expenses if you stop working. While we work hard to provide accurate and up-to-date information that we think you will find relevant, Forbes Health does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Wellcare also offers a Visa Flex Card benefit to extend dental, vision or hearing coverage as needed. We do not offer individual medical advice, diagnosis or treatment plans. Arizona D-SNP plans: Contract services are funded in part under contract with the State of Arizona. Here are some red flags to watch out for: Claims that flex cards are a government program: Medicare which is run by the government does not offer flex cards. The largest Medicaid managed care organization in the U.S, Centene offers affordable and comprehensive plans to one in 15 people in the U.S.[1]Who we are. Activating the card is an essential step for seniors who want to take advantage of its benefits. *The benefits mentioned are a part of special supplemental benefits. Check your balance on your card using the Flex Card Member Portalor by calling the number on the back of your Flex Card to make sure you have sufficient funds in your account to cover an expense. When you enroll in a plan, you will receive a Wellcare Flex Card in addition to your Member ID card. Now, youll enjoy a streamlined experience created specifically for healthcare providers. Centene offers affordable and high-quality products to nearly 1 in 15 individuals across the nation, including Medicaid and Medicare members (including Medicare Prescription Drug Plans) as well as individuals and families served by the Health Insurance Marketplace, the TRICARE program, and individuals in correctional facilities. The card will arrive activated and ready to use. Medicare Advantage (MA) plans across the country are seeing increasing numbers of enrollees who have social risk factors and complex medical needs. Wellcare uses cookies. Your eligibility and the amount of money you receive depend on your insurance carrier, the plan, and where you live. Before enrolling in a Medicare Advantage plan that offers the flex card, consider the plans overall benefits. How To Get A New York Times Subscription Senior Discount, Everything To Know About Senior Discounts. Check your balance on your card using the. By having an estimate of upcoming expenses, you'll be better prepared to budget your WellCare Flex Card funds and avoid any surprises. Wellcare offers a lot of benefits to help people save money, says Boley. Some items you can use your flex card benefit on are below. Blue Cross and Blue Shield of Louisiana. TAMPA, Fla., Nov. 8, 2021 /PRNewswire/ --Wellcare, a wholly owned subsidiary of Centene Corporation, announced today its Special Supplemental Benefits for the Chronically Ill (SSBCI) for plan year 2022, available for eligible Medicare beneficiaries during the Annual Enrollment Period running now through Dec. 7, 2021. Verify eligible items. Access to healthcare benefits and financial assistance for seniors is crucial. The remaining balance will need to be paid out of pocket. For more about Gordon, visit SandraJGordon.com. A health plan may provide an allowance of $200 per quarter, while another companys flex card may include more funds. After years of living under the care of your parents and other family members, the time will arrive for you to reciprocate. Jessica is a writer, editor and media professional who has spent her career working with some of the most influential names in media. Knowing how to check balance on WellCare Flex Card is essential for effectively managing your WellCare Flex Card balance is essential for optimizing your healthcare budget and minimizing out-of-pocket costs. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans, so we do not offer every plan available in your area. Senior Strong Copyright 2023, All Rights Reserved, What Can I Buy With My WellCare Flex Card: A Guide For Seniors, What Can I Buy With My Wellcare Flex Card? Empire will help your dual eligible clients navigate the Medicaid Redetermination process. Wellcare Health Plans, Inc. (n.d.). This information is for informational purposes only and is not meant to be a substitute for professional medical advice, diagnosis or treatment. Some dishonest commercials may instruct you to call a phone number or go to a website where scammers can obtain your personal information to commit fraud. When you enroll in a plan, you will receive a Wellcare Flex Card in addition to your Member ID card. The Wellcare Flex Card is a valuable financial tool designed to assist senior citizens in managing their healthcare expenses. or by calling the number on the back of your Flex Card to make sure you have sufficient funds in your account to cover an expense. Now that you have your answer to what can I buy with my Wellcare Flex card, you should make sure you maximize its value. Here's how it works: The Flex Card is a Visa debit card preloaded with a set amount between $100 - $2,000, depending on your plan and service area. Obtain Your Balance: The automated system or a customer service representative will provide your current card balance. By following the step-by-step guide provided in this article, you can easily activate your card and start using it to pay for qualified healthcare expenses. Some Aetna Medicare Advantage plans may offer over-the-counter (OTC) coverage or an Aetna flex card as extra benefits. Several methods include free memberships to gyms and home exercise programs. It offers a convenient way to manage healthcare expenses, including copayments, deductibles, and eligible OTC items. If you do not have the necessary funds to cover an expense, you may be able to charge up to the available balance on your card. To be eligible for the Wellcare Flex Card, senior citizens must meet the following criteria: If you meet these requirements, you may receive a Wellcare Flex Card as part of your health plan's benefits package. The choice is yours. Some WellCare Medicare Advantage plans may offer a Visa flex card with a spending limit of $200 - $2,000. Visit Wellcare-MedicareAdvantage.com Learn other ways to enroll below. Our plans use a formulary. The Wellcare Flex Card supplemental benefit helps members choose to extend their dental, vision or hearing coverage where they need it the most. Use your card. Join us for a 20-second snapshot of our VISA Flex Card. By continuing to use our site, you agree to our Privacy Policy and Terms of Use. For example, Anthems Benefits Prepaid Card may give you an allowance to pay for approved grocery items, service dog support products, and utilities. Except as may be otherwise required by law, we undertake no obligation to update or revise the forward-looking statements included in this press release, whether as a result of new information, future events or otherwise, after the date hereof. The Utility FLEX card will be available for DSNPs and plans offering Special Supplemental Benefits for the Chronically Ill (SSBCI). The available funds on your card can be used to cover out-of-pocket expenses for dental, vision, and hearing services. The WellCare Flex Card is a Visa debit card preloaded with a set amount between $200 - $2,500 depending on plan and service area. or mailing a Reimbursement Request Form found under the Tools & Support tab in your online portal. Whether you choose to check your balance online, through the app, or by phone, staying informed about your available funds helps you manage your healthcare expenses effectively. Maintaining a file of receipts ensures you'll have the necessary documentation if needed, and it can also help you monitor your spending habits more closely. What happens if I lose my WellCare Flex Card? But being a Medicare beneficiary is not enough to get one, and there are restrictions on what you can buy with the card. Its important to note that you cannot be enrolled in a Medicare Advantage and a Medigap plan at the same time. If you forget your card, your provider doesnt accept VISA, or if there were difficulties in swiping your card, you can submit an eligible expense for reimbursement. This compensation comes from two main sources. The benefits may even vary by counties in the same state. The PHE is set to end on May 11, 2023. Humana Healthy Foods Card is now the Healthy Options allowance. What is a flex card for Medicare? Sign up for an online account. Although Wellcare Medicare and Centene have merged, Wellcares ratings are lower than other providers. Anthem Blue Cross Blue Shield. Wellcare Health Plans, Inc. (n.d.). Wellcare, part of Centene Corporation, is an insurance company that offers a variety of Medicare Advantage plans, many with $0 monthly premiums. Your consent is not required as a condition of enrollment. Humana. This card is said to give you extra money to personalize your dental, vision and hearing coverage and includes other perks such as home-delivered meals or a gym membership. Not everyone in a Medicare Advantage plan will qualify for a flex card. Any benefits above and beyond traditional Medicare benefits are applicable to Wellcare Medicare Advantage only and do not indicate increased Medicaid benefits. The flex card is not issued by Medicare. Special . 'Ohana Health Plan, a plan offered by WellCare Health Insurance of Arizona, Inc. For Arizona D-SNP plans: Contract services are funded in part under contract with the State of Arizona. Please seek medical advice before starting, changing or terminating any medical treatment. Your Medicare flex card works like a prepaid debit card. Flex cards give members cash for additional benefits: WellCare Medicare Advantage members receive between $200 and $2,500 in Visa Flex cards, depending on plan and location. All Rights Reserved. Consult your plan documents or contact WellCare customer service for clarification on any points you're unsure about. The Wellcare Flex Card Visa is a prepaid debit card you can use to pay for any dental, vision or hearing, and in some cases, utility, services beyond your plan benefits. You can use the Wellcare Flex Card to cover dental, vision and hearing services at both in-network and out-of-network provider locations. Your plan determines the annual dollar amount on your Flex Card. Wellcare Flex cards offer important benefits for seniors, particularly healthcare and medical benefits. FinnSEY808 7 mo. This program is available through a few Medicare Advantage plans, and the benefits vary widely. It simplifies the process of paying for medical expenses, as it eliminates the need for submitting reimbursement claims or paying out-of-pocket and then waiting for reimbursement. New Mexico (NM) Dual Eligible Special Needs Plan (D-SNP) Members: As a Wellcare by Allwell D-SNP member, you have coverage from both Medicare and Medicaid. The funds can be used to help pay out-of-pocket costs for dental, vision or hearing needs beyond plan benefits. GoodRx provides no warranty for any information. Another great WellCare Medicare Advantage benefit. Contact the CS number on the back of your card for more info. You should not place undue reliance on any forward-looking statements, as actual results may differ materially from projections, estimates, or other forward-looking statements due to a variety of important factors, variables and events including, but not limited to: the impact of COVID-19 on global markets, economic conditions, the healthcare industry and our results of operations and the response by governments and other third parties; our ability to accurately predict and effectively manage health benefits and other operating expenses and reserves, including fluctuations in medical utilization rates due to the impact of COVID-19; the risk that regulatory or other approvals required for the Magellan Acquisition may be delayed or not obtained or are subject to unanticipated conditions that could require the exertion of management's time and our resources or otherwise have an adverse effect on us; the possibility that certain conditions to the consummation of the Magellan Acquisition will not be satisfied or completed on a timely basis and accordingly, the Magellan Acquisition may not be consummated on a timely basis or at all; uncertainty as to the expected financial performance of the combined company following completion of the Magellan Acquisition; the possibility that the expected synergies and value creation from the Magellan Acquisition or the WellCare Acquisition (or other acquired businesses) will not be realized, or will not be realized within the respective expected time periods; the risk that unexpected costs will be incurred in connection with the completion and/or integration of the Magellan Acquisition or that the integration of Magellan Health will be more difficult or time consuming than expected, or similar risks from other acquisitions we may announce or complete from time to time; the risk that potential litigation in connection with the Magellan Acquisition may affect the timing or occurrence of the Magellan Acquisition or result in significant costs of defense, indemnification and liability; disruption from the announcement, pendency, completion and/or integration of the Magellan Acquisition or from the integration of the WellCare Acquisition, or similar risks from other acquisitions we may announce or complete from time to time, including potential adverse reactions or changes to business relationships with customers, employees, suppliers or regulators, making it more difficult to maintain business and operational relationships; a downgrade of the credit rating of our indebtedness; the inability to retain key personnel; competition; membership and revenue declines or unexpected trends; changes in healthcare practices, new technologies and advances in medicine; increased healthcare costs; changes in economic, political or market conditions; changes in federal or state laws or regulations, including changes with respect to income tax reform or government healthcare programs as well as changes with respect to the Patient Protection and Affordable Care Act and the Health Care and Education Affordability Reconciliation Act (collectively referred to as the ACA) and any regulations enacted thereunder that may result from changing political conditions, the new administration or judicial actions; rate cuts or other payment reductions or delays by governmental payors and other risks and uncertainties affecting our government businesses; our ability to adequately price products; tax matters; disasters or major epidemics; changes in expected contract start dates; provider, state, federal, foreign and other contract changes and timing of regulatory approval of contracts; the expiration, suspension, or termination of our contracts with federal or state governments (including, but not limited to, Medicaid, Medicare, TRICARE or other customers); the difficulty of predicting the timing or outcome of legal or regulatory proceedings or matters, including, but not limited to, our ability to resolve claims and/or allegations made by states with regard to past practices, including at Envolve Pharmacy Solutions, Inc. (Envolve), as our pharmacy benefits manager (PBM) subsidiary, within the reserve estimate we have recorded and on other acceptable terms, or at all, or whether additional claims, reviews or investigations relating to our PBM business will be brought by states, the federal government or shareholder litigants, or government investigations; timing and extent of benefits from strategic value creation initiatives; challenges to our contract awards; cyber-attacks or other privacy or data security incidents; the exertion of management's time and our resources, and other expenses incurred and business changes required in connection with complying with the undertakings in connection with any regulatory, governmental or third party consents or approvals for acquisitions, including the Magellan Acquisition; changes in expected closing dates, estimated purchase price and accretion for acquisitions; the risk that acquired businesses will not be integrated successfully; restrictions and limitations in connection with our indebtedness; our ability to maintain or achieve improvement in the Centers for Medicare and Medicaid Services (CMS) Star ratings and maintain or achieve improvement in other quality scores in each case that can impact revenue and future growth; availability of debt and equity financing, on terms that are favorable to us; inflation; foreign currency fluctuations and risks and uncertainties discussed in the reports that Centene has filed with the Securities and Exchange Commission.
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