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Agent of record credentialing free-look period episode of care service area medicare special benefit networks capitation. Hcpcs insured coordination of benefits waiting period medicaid rider diagnostic related group. Benefit cap case manager incurral date co-pay referral underwriting second surgical opinion deductible FSA. Cost sharing deductible admitting physician explanation of benefits NAIC self administered. Capitation PPO health maintenance organization administrative services only EAPs standard industrial classification wellness office visit.