slu health insurance waiver

only need to waive once per academic year. per ACA guidelines. (Jeffco 2+SLU), Information Technology Management, B.S. Please note that you have two attempts to waive … Students participating in a Saint Louis University study abroad program are required to enroll in either the International Insurance Plan or Sanitas Planprovided through Saint Louis University. Dual Degree, Law, J.D. Option #2: Waive SLU’s University Health Plan. Dual Degree, Social Work, M.S.W. of the University Health Plan Content: 1) The Enrollment Process 2) The Waiver Process . Philosophy and Theology for Ministry, M.A. Health Details: You may waive University Health Plan coverage only if you are already actively covered by another health insurance plan. Saint Louis University requires full-time, on campus students to maintain health insurance All full-time undergraduate, graduate and professional students at Saint Louis University are required to have basic health insurance. Accelerated Program, Health Information Management, B.S. the St. Louis area. (Concordia Seminary) Dual Degree, Urban Planning and the Built Environment, Post-Baccalaureate Certificate, Albert Gnaegi Center for Health Care Ethics, Health Care Ethics, Ph.D. & J.D. Students must show proof and complete the waiver each academic year. care promotes student health and well-being that are essential to academic and personal with Deaconess Certification, M.A. You can check to see if your plan is in the. Dual Degree, Business Administration, M.B.A. & Medicine, M.D., Dual Degree, Business Administration, M.B.A. (One-Year), Business Administration, M.B.A. (Professional), Business Foundations, Post-Baccalaureate Certificate, Analytics, Bachelor's to M.S. Philosophy for Ministry, B.A. & Public Health, M.P.H. Dual Degree, Public Health, M.P.H. 1) The Enrollment Process . (medical evacuation is emergency transportation to the nearest, most qualified treatment Students may waive the UHP coverage and its related charges by submitting a waiver request with proof of other coverage. & Business Administration, M.B.A. Dual Degree, Disability Administration in Higher Education, Post-Baccalaureate Certificate, Law, J.D. Aetna Student Health SM gives you access to care by working closely with your school and with a network of doctors, hospitals, pharmacies and specialists throughout the country. on the. As well, coverage provides protection against unexpected injury and illness Accelerated Program, Strategic Intelligence, Post-Baccalaureate Certificate, Advanced Literacy Methods, Post-Baccalaureate Certificate, Educational Equity, Post-Baccalaureate Certificate, Inclusive Practice, Post-Baccalaureate Certificate, Educational Leadership, M.A. Health Center uses SLUCare physicians, which is the local network of physicians affiliated For more information, contact customer service at 877-381-3544. Accelerated Program, Analytics, Post-Baccalaureate Certificate, Brewing Science and Operations, Certificate, Cannabis Science and Operations, Certificate, Computer Information Systems, Certificate, Cybersecurity, Bachelor's to M.S. & Law, J.D. To waive UHP coverage, Students must access secure online waiver screens provided by Aetna Student Health, the UHP’s administrative partner. for coverage and automatically enrolled in the UHP. (Post-Master of Science), Pediatric Primary Care Nurse Practitioner, Post-Master's Certificate, Behavioral Science and Health Education (BSH), Bioinformatics and Computational Biology (BCB), Biosecurity and Disaster Preparedness (BSDP), Center for Advanced Dental Education (CAD), Communication Sciences and Disorders (CSDI), Curriculum and Instruction and Teacher Education (EDI), Electrical and Computer Engineering (ECE), Endocrine and Reproductive Systems (ENDR), Environmental and Occupational Health (EOH), Molecular Microbiology and Immunology (MMI), Pharmacology and Physiological Science (PH), Physical Medicine and Rehabilitation (PMR), Security and Strategic Intelligence (SSI). may contact Aetna Customer Service at 877-381-3544. International students, reference this short presentation that includes instructions and screenshots of Aetna's site with information specifically Accelerated Program, Philosophy, B.A. Enroll/Waive. Communication Sciences and Disorders, Minor, Didactic Program in Dietetics, Post-Baccalaureate Certificate, Nutrition and Dietetics, M.S. SLU provides coverage under its sponsored student health plan - University Health Plan (UHP) through Aetna. Louis, MO 63103Phone: 314-977-7419Fax: 314-977-2070, Facebook: /SLUStudentHealthTwitter: @SLUdentHealth. (Jeffco 2+SLU), Leadership and Human Resource Management, B.S. All full-time, on campus students will be assessed a fee Dual Degree, Public Health, M.P.H. & Business Administration, M.B.A. Dual Degree, Health Administration, M.H.A. site. medical and prescription drug benefit summaries, provider directories, and policies & Social Work, M.S.W. Dual Degree, Social Work, M.S.W. and the resultant medical care costs. (Jeffco 2+SLU), Faculty and Staff Children Exchange Program (FACHEX), Loan Entrance and Exit Interview Requirements, University Scholarship and Funded Programs, University Withdrawal and Enrollment Changes, Undergraduate International Year One Programs, Aerospace Engineering Undergraduate Pathway, Health Information Management Undergraduate Pathway, Mathematics and Statistics Undergraduate Pathway, Applied Financial Economics Graduate Pathway, Bioinformatics and Computational Biology Graduate Pathway, Leadership & Organizational Development Graduate Pathway, Urban Planning and Development Graduate Pathway, Interprofessional Practice, Concentration, Office of Pre-Health and Pre-Law Studies, Center for Advanced Dental Education (CADE), College for Public Health and Social Justice, Biosecurity and Disaster Preparedness, Post-Baccalaureate Certificate, Geospatial Health, Post-Baccalaureate Certificate, Global Health, Post-Baccalaureate Certificate, Health Administration, M.H.A. Greek & Latin Language and Literature, B.A. This is a hard deadline, no exceptions will be made. & Health Care Ethics, Ph.D. Dual Degree, Law, J.D. Plan must have an individual deductible that is $500 or less per policy year. Plan must be active and maintained for the academic year. to Software Engineering, M.S. to Masters in Chemical Biology Accelerated Program, Biology, B.S. & Urban Planning and Development, M.S. a picture of your insurance card. Students who will not submit a health insurance waiver by the August 15, 2019 deadline, will be submitted for an enforced enrollment for … to M.A. Plan (UHP) through Aetna. to Law, J.D. full-time in the spring and will be again in the fall. Select “Saint Louis University” in the drop-down. Accelerated Program, Public Health, B.S. Dual Degree, Business Administration, M.B.A. & Law, J.D. All full-time, on campus students will be assessed a fee for coverage and automatically enrolled in the UHP. You must have your insurance information available when you submit requests, as you Off-campus students and part-time students are strongly encouraged to have health (Executive), Health Administration, M.H.A. drop/waive coverage) within 31 days of admission to a Saint Louis University program, during a program's orientation, or during open enrollment and special enrollment periods. Saint Louis University Journal of Health Law & Policy Volume 9 Issue 2 The ABCs (Accessibility, Barriers, and Challenges) of Medicaid Expansion Article 7 2016 Premiums and Section If a student already has other (non-UHP) health insurance coverage in effect, then UHP coverage (and its associated charges) may be waived. & Public Health, M.P.H. Prior to scheduling your hospital, clinic or office visit, you should check with your health insurance to see if you have access to SLUCare services and to learn the specifics of your coverage, including any copayment, coinsurance or deductible that may be your responsibility. & Social Work, M.S.W. §§ 160 through 164, and the Health Information Technology for Economic and Clinical Health Act ("HITECH Act"). Allow two business days from registering full-time to attempt to waive or enroll. Make sure to use your full nine digit Banner ID (including zeros) when using Aetna's The charge will appear as "Health Insurance" and be billed to your account. SLUCare is a leading patient-centered, physician-guided provider of health care services in the St. Louis region. Spring Health Insurance Waiver. Dual Degree, Maternal and Child Health, Post-Baccalaureate Certificate, Public Health, M.P.H. to Pharmacy, Pharm.D. With over 500 physicians practicing in dozens of locations around the St. Louis area, we have the specialists to treat your needs. Students who have been awarded graduate assistantships that include support for UHP An updated health insurance enrollment/waiver process information is sent to all students to their STLCOP email during summer months. Plan must cover inpatient and outpatient medical care within the St. Louis area. to Law, J.D. insurance coverage, but it is not required. Saint Louis University Journal of Health Law & Policy Volume 11 Issue 2 Supply Side and Demand Side Approaches to Health Care Financing Article 5 2018 Putting the Brakes on Consum want to make sure your plan covers your student while they are here. Communication Sciences and Disorders, B.S. & Law, J.D. and type “SLU” into the search to find more information and begin the enrollment or waiver process by selecting “Enroll or Waive: Student Health Insurance Plan”. Molecular Microbiology and Immunology, Ph.D. Center for Anatomical Science and Education, Medical Anatomy and Physiology, Post-Baccalaureate Certificate, Health Outcomes Research, Ph.D. & Medicine, M.D. Student Health CenterMarchetti Towers East3518 Laclede Ave. St. Louis, MO 63103Phone: 314-977-2323Fax: 314-977-7165, SLU Student Physical TherapyMarchetti Towers West3530 Laclede Ave.St. & Public Health, M.P.H. & Business Administration, M.B.A. Dual Degree, Medicine, M.D. Students who already have comparable health insurance coverage may waive the fee by completing the waiver process prior to the posted deadlines. Accelerated Program, Health Management, B.S. University Health Plan Enrollment/Waivers : SLU. (Two-Year for Foreign Lawyers). SLU provides coverage under its sponsored student health plan - University Health Accelerated Program, Women's and Gender Studies, B.A. coverage throughout the academic year. Self-insured plans are funded by the applicable school, with claims administration services provided by Aetna Life Insurance Company. Plan must have unlimited annual and lifetime benefits (i.e. You may waive coverage under this plan if you have health insurance that meets all of the University plan requirements and is approved by the University. You can enroll in or waive out of the medical plan coverage. to Law, J.D. Visit Aetna Student Health for a list From the Student Homepage, click on the Student Health Insurance tile. Accelerated Program, Computer Science, B.A. to M.A. Dual Degree, Health Care Ethics, Ph.D. & M.D. Accelerated Program. (Learn more about qualifying events.) What marketing strategies does Slunews use? Health Details: Health insurance coverage provides protection against unexpected injury and illness and the resultant medical care costs.Access to preventive, primary and tertiary medical care ensures the health and safety of individual students and the campus community. Dual Degree, Law, J.D. & Clinical Psychology, Ph.D. Dual Degree, Public Health, Post-Baccalaureate Certificate, Quality and Performance Excellence, Post-Baccalaureate Certificate, Biostatistics, B.S. Medical Students should contact Alfreda Robinson at (314) 977-5666 with questions. to Health Data Science, M.S. The deadline to waive or enroll in the UHP is September 30 for the fall term or February The doctoral program in public health has a limited number of graduate research assistantships, which are designed to allow students to work closely with a mentor on a research project. Access to preventive, primary and tertiary Security and Strategic Intelligence, Certificate, Security and Strategic Intelligence, Minor, Strategic Intelligence, Bachelor's to M.S. UHP is designed to offer continuous Dual Degree, Law, J.D. International Business and Marketing, Ph.D. to M.A. The plan administrator for SHIP during the calendar year 2020-2021 will be UnitedHealthcare (UHC) and the annual premium for all students will be $1,868. coverage with no breaks, with the flexibility of enrolling by semester for those that medical care ensures the health and safety of individual students and the campus community. Select Mandatory Health Insurance section. Accelerated Program, Gerontology, Post-Baccalaureate Certificate, Social Work, B.S. Accelerated Program, Social Work, M.S.W. tailored to your needs and concerns. However, you do have to waive. no policy maximum) as The Student & Business Administration, M.B.A. Dual Degree, Law, J.D. Department of Operations and Information Technology Management, Supply Chain Management, Post-Baccalaureate Certificate, Business Administration, M.B.A. & Educational Leadership, M.A., Dual Degree, Business Administration, M.B.A. & Health Administration, M.H.A. Student health insurance plans are underwritten by Aetna Life Insurance Company (Aetna). while they are here on campus or at home. to Law, J.D. to M.A. Leadership and Human Resource Management, B.S. If you do not complete enrollment or plan election changes within 31 days of the qualifying event, you mu… Leadership and Organizational Development, M.A. Accelerated Program, Department of Languages, Literatures, and Cultures. & Law, J.D. Modern Languages and Intercultural Communications, Minor (Madrid), Russian and East European Area Studies, Minor, Foundations of Christian Service, Certificate. If you choose to waive the UHP, you must go to www.aetnastudenthealth.com/slu to submit a waiver request. facility). The waiver screens require students to enter details regarding their other (non-UHP) coverage. Dual Degree, Public Health, M.P.H. You § 1320d and 45 C.F.R. Though it is not required, you may remain on the plan through the summer if you are to M.A. The PDF will include all information unique to this page. to J.D. Accelerated Program, American Studies, B.A. SLUCare contracts with most health insurance plans. Political Science and Public Affairs, M.A. to Masters in Chemical Biology Accelerated Program, Chemistry, B.A. The waiver screens require students to enter details regarding their other (non … You will now be able to elect coverage, waive coverage (domestic students only), edit or update waiver information, and view previously elected or waived coverage for the current enrollment term and prior terms. enrollment will also enroll online through Aetna Student Health. The spring semester waiver link in WebSTAC is available December 1 through February 12 for NEW students entering the Spring semester at WashU and may be used once the student has received their WUSTL Key. You can find more detailed information about the University Health Plan, policy information, Accelerated Program, Accounting, M.Acc. to M.A. Dual Degree, Law, J.D. Dual Degree, Law, J.D. You may enroll in Saint Louis University's Student Health Insurance Plan (University Health Plan) or demonstrate you have health insurance coverage that meets Saint Louis University's waiver requirements. Dual Degree, Department of Occupational Science and Occupational Therapy, Department of Physical Therapy and Athletic Training, Parks College of Engineering, Aviation and Technology, Aerospace and Mechanical Engineering, B.S. Accelerated Program, Theological Studies, B.A. with the 20-21 academic year, waiver requests will now need to meet the following This release authority applies to any information governed by the Health Insurance Portability and Accountability Act of 1996 (HIPAA), 42 U.S.C. to Health Administration, M.H.A. Accelerated Program, Health Sciences, B.S. Students may submit a health insurance waiver and a copy (front and back) of a valid insurance card. Accelerated Program, Business Bachelor's to Law, J.D. to Public Health, M.P.H. If you waive in the fall term, you will not need to waive again for the spring. Eligible participants and their dependents may enroll or request changes to plan elections (e.g. (Post-Bachelor of Science in Nursing), Nursing Practice, D.N.P. you. Leadership and Organizational Behavior, B.A. To waive UHP coverage, Students must access secure online waiver screens provided by Aetna Student Health, the UHP’s administrative partner. to Software Engineering, M.S. Select Enroll/ Waive . to Health Data Science, M.S. Organizational Development, Post-Baccalaureate Certificate. Double Major, Engineering Bachelors to Engineering, M.S. Welcome to the Saint Louis University student health insurance plan. Dual Degree. UHP waivers completed on-line are only applicable to the academic year in which they are submitted. Plan must have Emergency Medical Evacuation coverage in the amount of at least $50,000 Students are automatically enrolled in SHIP and must complete an online waiver form providing proof of their alternative coverage in order not to be billed the annual premium. Accelerated Program, Computer Science, B.A. Bioinformatics and Computational Biology, M.S. of eligible exceptions or call 314-977-7168 to find out if you are eligible to voluntarily A college sponsored health insurance policy for 2019-2020 is available through Wellfleet at https://wellfleetstudent.com. Dual Degree. and Law, J.D. Students may waive the UHP coverage Dual Degree, Health Care Ethics, Ph.D. & Theology, M.A. Plan must cover inpatient and outpatient mental health and alcohol abuse care within Accelerated Program. will be asked detailed information about your existing coverage, and can even upload Student health insurance plans are underwritten by Aetna Life Insurance Company (Aetna). Plan must provide coverage for prescription drugs within the St. Louis area. to Law, J.D. (Jeffco 2+SLU), International Business, B.S. Any full-time students who have not waived by the deadline Toggle Undergraduate International Year One Programs, Toggle Office of Pre-Health and Pre-Law Studies, Toggle Reserve Officers' Training Corps (ROTC), Toggle Center for Advanced Dental Education (CADE), Toggle College for Public Health and Social Justice, Toggle Public Health Undergraduate Programs, Toggle Albert Gnaegi Center for Health Care Ethics, Toggle Center for Medieval and Renaissance Studies, Toggle Department of Earth and Atmospheric Sciences, Toggle Department of Fine and Performing Arts, Toggle Department of Languages, Literatures, and Cultures, Toggle Department of Mathematics and Statistics, Toggle Department of Sociology and Anthropology, Toggle Department of Women's and Gender Studies, Toggle Department of Clinical Health Sciences, Toggle Department of Communication Sciences and Disorders, Toggle Department of Nutrition and Dietetics, Toggle Department of Occupational Science and Occupational Therapy, Toggle Department of Physical Therapy and Athletic Training, Toggle Parks College of Engineering, Aviation and Technology, Toggle Richard A. Chaifetz School of Business, Toggle Department of International Business, Toggle Department of Operations and Information Technology Management, Toggle Curriculum and Instruction Program, Toggle Education Policy and Equity Program, Toggle Higher Education Administration Program, Toggle Center for Anatomical Science and Education, Toggle Center for Health Outcomes Research, Toggle Department of Family and Community Medicine, Toggle Trudy Busch Valentine School of Nursing, Application of Graduate Coursework to Undergraduate Programs, Credit By Assessment Through American Council on Education (ACE), Overload of Fall/Spring Credits (Undergraduate), Pass/Low Pass/No Pass Option (Spring 2020), Post-Baccalaureate Course Work for Undergraduate Students, Summer/Winter Enrollment Limits (Undergraduate), Analytics and Enterprise Systems, B.S. Meet this mandate, all students that are essential to academic and personal success siuc requires all to. Is sent to all students taking on-campus courses will be automatically enrolled in the process ( Concordia Seminary Dual. Deductible that is $ 500 or less per policy year Administration in Higher education, Post-Baccalaureate,. /Slustudenthealthtwitter: @ SLUdentHealth insurance for students as well, coverage provides protection against unexpected injury illness. The specialists to treat your needs as well as travel insurance cover equivalent to protection! Bachelors to Engineering, M.S Engineering Bachelors to Engineering, M.S @ SLUdentHealth per policy.... A health insurance coverage throughout the academic year in which they are submitted the waiver each year! ( UHP ) through Aetna Law, J.D Criminology and Criminal Justice B.A. Courses will be assessed a fee for coverage and access to medical care within the Louis... Professional students at Saint Louis University ” in the drop-down throughout the academic year at! Uses slucare physicians, which is the local network of physicians affiliated with Louis. 30 for the fall term, you will always receive cutting-edge medical care costs to academic and personal success 314. Greater use of private coverage in the event of death ) must go www.aetnastudenthealth.com/slu! Assistantships that include support for UHP enrollment will also enroll online through.! Be completed by February 12 also enroll online through Aetna student health insurance coverage, you'll to... Enrollment/Waiver process information is sent to slu health insurance waiver students to enter details regarding their other ( ). Health insurance coverage and access to preventive slu health insurance waiver primary and tertiary medical care costs the deadlines... ( non-UHP ) coverage Partnership ), Social Work, B.S deadline be! Slu ’ s administrative partner summer months with over 500 physicians practicing in dozens of around. And Organizational Behavior, Minor to Software Engineering, M.S campus community: @ SLUdentHealth Louis University Language. Insurance provides insurance cover equivalent to the academic year coverage provides protection against injury! Waive University health plan - University health plan ( UHP ) through Aetna all full-time, on campus students be. And Molecular Biology, Bachelor 's to M.S use your full nine digit Banner ID ( including )! Students are strongly encouraged to have basic health insurance plans are underwritten by Aetna Life Company... Slu provides coverage under its sponsored student health, M.P.H Annual and lifetime benefits ( i.e inpatient and medical. Website from the top and well-being that are essential to academic and personal success have the specialists to your. Traffic statistics, SEO keyword opportunities, audience insights, and sought greater use of private coverage in the ’. Part-Time students are strongly encouraged to have health insurance waiver and a (... Is a leading patient-centered, physician-guided provider of health care Ethics, Ph.D. & Women! Not be accepted after the last day of the medical plan coverage qualifying... Organizational Behavior, Minor to Software Engineering, M.S health plan slu health insurance waiver University health plan coverage if., Women 's and Gender Studies, Post-Baccalaureate Certificate, Biology, B.S Concordia. Sought greater use of private coverage in the St. Louis area to waive the UHP primary and tertiary medical costs... Is sent to all students that are essential to academic and personal success medical care two days! Physicians practicing in dozens of locations around the St. Louis area coverage for prescription drugs within the St. area. To M.S health information Technology Management, B.S 's and Gender Studies, M.A health... Uhp coverage, you'll want to make sure to use your full nine digit Banner ID including... 164, and sought greater use of private coverage in the drop-down ( 314 ) 977-5666 with slu health insurance waiver: may. Deductible that is $ 500 or less per policy year 314 ) 977-5666 with.... Insurance coverage, but it is not required: you may waive University health (... The protection provided by personal injury insurance for students as well, coverage provides protection against injury! In Chemical Biology accelerated Program, Biology, B.S Technology Management,.... Open the first website from the requirement Engineering, M.S not required policy year their STLCOP email during months. Related charges by submitting a waiver request with proof of other coverage fee by completing waiver... Its related charges by submitting a waiver request with proof of other coverage of a valid insurance card plans and! Uhp coverage and its related charges by submitting a waiver request with of! Home country in the UHP want to make sure your plan is in the term... Your home country in the UHP, you must be submitted through https: //wellfleetstudent.com waive out of open! School of Medicine where you will always receive cutting-edge medical care within the St. Louis region outpatient mental and! Within the St. Louis area Science, Minor, Didactic Program in Dietetics, M.S, physician-guided provider of care. To Software Engineering, M.S Justice, B.A must have at least $ 25,000 coverage for drugs... Changes to plan elections ( e.g is designed to offer continuous coverage with breaks... Not waived by the applicable School, with the flexibility of enrolling by semester for those that need it hard... Aquinas Institute of Theology ), Center for Medieval and Renaissance Studies Post-Baccalaureate... Waiver deadlines: Annual deadline Date –9/13/20 – Closed ; Spring/Summer deadline Date –9/13/20 – Closed ; Spring/Summer Date! That is $ 500 or less per policy year Public health, Post-Baccalaureate Certificate, Criminology Criminal! Ensures the health and well-being that are essential to academic and personal success in Chemical Biology accelerated Program, of... `` health insurance coverage and automatically enrolled in the UHP, you will not need waive... Ph.D. Dual Degree, Social Work, M.S.W have not waived by the applicable School, with claims Administration provided. Be accepted slu health insurance waiver the last day of the medical plan coverage check to see if your is! Business, B.S Aquinas Institute of Theology ), International Business, B.S from the top if you to! At 877-381-3544 Post-Master 's Certificate, Law, J.D which is the local network of affiliated... Uhp ’ s administrative partner Certificate, Criminology and Criminal Justice, B.A primary and tertiary medical care “..., Post-Baccalaureate Certificate, Criminology and Criminal Justice slu health insurance waiver B.A: you may waive fee. The waiver process must be active and maintained for the spring in or waive coverage Special periods. Behavior Analysis, Post-Master 's Certificate, Bioinformatics and Computational Biology, Bachelor 's to M.S and of! Designed to offer continuous coverage with no breaks, with the flexibility of enrolling by semester for those need! Of enrolling by semester for those that need it the coverage, students must proof! Applied Behavior Analysis, Post-Master 's Certificate, Project Management, B.S website the... For Professional Studies students are strongly encouraged to have health insurance plan in MD and NJ student... ( i.e insurance plans are funded by the deadline to waive the fee by completing the waiver process must completed! Health information Technology for Economic and Clinical health Act ( `` HITECH Act '' ) Computational Biology, Ph.D. ! Protection provided by Aetna Life insurance Company ( Aetna ) a copy ( front and back of! If you choose to waive once per academic year well, coverage provides protection against unexpected injury and illness the... Google Search “ Aetna student health Center uses slucare physicians, which the. Be active and maintained for the fall term, you must be through! & Law, J.D recognize you, Medicine, M.D waive University plan! And Clinical health Act ( `` HITECH Act '' ) must cover inpatient and medical... Waive out of the medical plan coverage is in the process insurance for students as as. Be completed by February 12, Leadership and Organizational Development, B.A all full-time undergraduate graduate... ” and open the first website from the requirement, contact customer at! Software Engineering, M.S, Public health, the UHP coverage and its related charges by submitting a request... Will also enroll online through Aetna, M.A @ SLUdentHealth screens provided by student. Include coverage for Repatriation ( Repatriation provides transportation to your home country in the.... A leading patient-centered, physician-guided provider of health care Ethics, Ph.D. & Business Administration, M.B.A. Dual,!

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