AMHIC, A Reciprocal Association Member Resource Guideamhic.com/PDF/AMHIC - Member Guide - October 2014.pdf · 8. Dyslipidemia screening for children at higher risk of lipid disorders

AMHIC, A Reciprocal AssociationMember Resource Guide

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AMHIC Member Resource Guide

Member Resource Guide Information

We are pleased that your employer is a member of AMHIC, A Reciprocal Association. AMHIC’s medical plans (PPO, Network Only and Qualified High Deductible Health Plan) include certain covered benefits, care management programs, and advocacy services that are available to you at no cost. This AMHIC Member Resource Guide contains information regarding some important services that are available to you as an AMHIC member. We hope that you will review this information and utilize these services to help you get the most from your medical plans.

1. Member Resources Contact Information – This sheet includes contact information and hours of operationfor AMHIC providers.

2. Preventive Care – Health Care Reform legislation passed in September, 2010 required that medical planscover certain preventive services without you having to pay a copayment or coinsurance or meet yourdeductible. A list of these services is included in this guide.

3. Express Scripts – Express Scripts is the largest pharmacy benefit management organization in theUnited States. The company processes pharmaceutical claims for members at network pharmacies andat their own mail order pharmacies. Express Scripts provides integrated pharmacy benefit managementservices including network-pharmacy claims processing, home delivery services, step therapy and priorauthorization.

4. Urgent Care – Urgent Care centers provide walk-in, extended hour access to treatment for acute, non-lifethreatening illness and injury care when a typical provider’s office is closed (evenings, weekends, andholidays). Information on how to locate and access Urgent Care services is included in this guide.

5. Conifer/InforMed – Conifer/InforMed is an industry leader in disease management. If you are chronicallyill or suffering from complex medical conditions, Conifer/InforMed can help you and your physician byproviding support in optimizing your health resources. Their goal is to work with you and your physicianto help develop and support a customized care treatment plan for you. The Conifer/InforMed nurse canalso be a great source of information to help you evaluate options and understand your treatment plans.Should you receive a call from Conifer/InforMed, we strongly encourage you to engage with them to learnabout how they can provide support and advocate for you during a difficult situation.

6. Nurse Line – Also administered by Health Advocate, the AMHIC nurse line provides access to a highlytrained nurse to turn to at any hour for trusted advice and information for non-urgent health issues, whenyou need it most.

7. Health Advocate – A personal health advocate is a trained professional who understands the intricaciesof the healthcare system and how to navigate through it. AMHIC members have access to a personalhealth advocate for claims assistance, fee negotiation, grievance advice, and basic questions related toyour coverage. Members can call Health Advocate an unlimited number of times throughout the year toget assistance with these issues.

8. CareFirst Member Discount Programs – CareFirst Administrators offers special member savings whileproviding health and wellness information, support and services. Choose from a broad range of discountson wellness services, weight loss programs, fitness centers and much more.

This Member Resource Guide contains a wallet card with important contact information. Please keep this card in a convenient place to help you get the most out of your AMHIC medical plan.

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PPO, Network Only and Qualified High Deductible Health Plan (QHDHP) Medical PlansTo verify provider participation, call CareFirst Administrators directly or access them from www.amhic.com – click “Forms & Links” tab

CareFirst Administrators (CFA)Customer Service & Provider SearchGroup # DGX

877-889-2478Hours: Mon-Thurs 8:30am-6:00pm EST

Friday 8:30 am to 5:00 pm EST

www.amhic.com

Click on “Forms & Links” tab and scroll down to Links – Medical Network

Directories - BlueCard Network – Eff. 1.1.2013. Select an option under

CareFirst AdministratorsPrescriptions (PPO, Network Only & QHDHP Medical Plans):

Express ScriptsGroup # CFRE

800-451-6245 (Customer Service)Hours: 24 hours a day, 7 days a week

888-772-5188 (Confirm/opt out of Select Home Delivery)

Hours: Mon-Fri 7:30am-5:30pm CST

www.express-scripts.com

Health Advocate (PPO, Network Only & QHDHP Medical Plans):Health Advocate Services (Addresses health care & insurance-related issues)Group Name: AMHIC

866-695-8622Hours: 24 hours a day, 7 days a week

or via email - [email protected]

www.healthadvocate.com/amhic

Nurse Line (PPO, Network Only & QHDHP Medical Plans):Health Advocate Nurse LineGroup Name: AMHIC

866-695-8622Hours: 24 hours a day, 7 days a week

Or via email - [email protected]

www.healthadvocate.com/amhic

Hospitalization Pre-Certification (PPO, Network Only & QHDHP Medical Plans):Conifer/InforMed 866-475-1256

Hours: 8:30am-5:00pm ESTwww.coniferhealth.com

AMHIC, A RECIPROCAL ASSOCIATION MEMBER RESOURCESwww.AMHIC.com

Contact Information for Members of AMHIC

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Preventive Services Covered Under the Affordable Care Act

If you have a new health insurance plan or insurance policy beginning on or after September 23, 2010, the following preventive services must be covered without your having to pay a copayment or coinsurance or meet your deductible. This applies only when these services are delivered by a network provider. For more information, go to www.healthcare.gov/preventive-care-benefits

Covered Preventive Services for Adults

1. Abdominal Aortic Aneurysm one-time screening for menof specified ages who have ever smoked

2. Alcohol Misuse screening and counseling

3. Aspirin use to prevent cardiovascular disease for menand women of certain ages

4. Blood Pressure screening for all adults

5. Cholesterol screening for adults of certain ages at higherrisk

6. Colorectal Cancer screening for adults over 50

7. Depression screening for adults

8. Type 2 Diabetes screening for adults with high bloodpressure

9. Diet counseling for adults at higher risk for chronicdisease

10. HIV screening for everyone ages 15 to 65, and otherages at increased risk

11. Immunization vaccines for adults--doses, recommendedages, and recommended populations vary:

• Hepatitis A

• Hepatitis B

• Herpes Zoster

• Human Papillomavirus

• Influenza (Flu Shot)

• Measles, Mumps, Rubella

• Meningococcal

• Pneumococcal

• Tetanus, Diphtheria, Pertussis

• Varicella

12. Obesity screening and counseling for all adults

13. Sexually Transmitted Infection (STI) preventioncounseling for adults at higher risk

14. Syphilis screening for all adults at higher risk

15. Tobacco Use screening for all adults and cessationinterventions for tobacco users

Covered Preventive Services for Women, Including Pregnant Women

1. Anemia screening on a routine basis for pregnant women

2. Breast Cancer Genetic Test Counseling (BRCA) for womenat higher risk for breast cancer

3. Breast Cancer Mammography screenings every 1 to 2years for women over 40

4. Breast Cancer Chemoprevention counseling for womenat higher risk

5. Breastfeeding comprehensive support and counselingfrom trained providers and access to breastfeedingsupplies, for pregnant and nursing women

6. Cervical Cancer screening for sexually active women

7. Chlamydia Infection screening for younger women andother women at higher risk

8. Contraception: Food and Drug Administration-approvedcontraceptive methods, sterilization procedures, andpatient education and counseling, as presscribed bya health care provider for women with reproductivecapacity, not including abortifacient drugs

9. Domestic and interpersonal violence screening andcounseling for all women

10. Folic Acid supplements for women who may becomepregnant

11. Gestational diabetes screening for women 24 to 28weeks pregnant and those at high risk of developinggestational diabetes

12. Gonorrhea screening for all women at higher risk

13. Hepatitis B screening for pregnant women at their firstprenatal visit

14. HIV screening and counseling for sexually active women

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Covered Preventive Services for Women, Including Pregnant Women (Continued)

15. Human Papillomavirus (HPV) DNA Test: every three years for women with normal cytology results who are 30 or older

16. Osteoporosis screening for women over age 60 depending on risk factors

17. Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk

18. Sexually Transmitted Infections (STI) counseling for sexually active women

19. Syphilis screening for all pregnant women or other women at increased risk

20. Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users

21. Urinary Tract or other infection screening for pregnant women

22. Well-woman Visits to obtain recommended preventive services for women under 65

Covered Preventive Services for Children

1. Alcohol and Drug Use assesments for adolescents

2. Autism screening for children at 18 and 24 months

3. Behavioral assessments for children of all ages

Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.

4. Blood Pressure screening for children


5. Cervical Dysplasia screening for sexually active females

6. Depression screening for adolescents

7. Developmental screening for children under age 3

8. Dyslipidemia screening for children at higher risk of lipid disorders

Ages: 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.

9. Fluoride Chemoprevention supplements for children without fluoride in their water source

10. Gonorrhea preventive medication for the eyes of all newborns

11. Hearing screening for all newborns

12. Height, Weight and Body Mass Index measurements


13. Hematocrit or Hemoglobin screening for children

14. Hemoglobinopathies or sickle cell screening for newborns

15. HIV screening for adolescents at higher risk

16. Hypothyroidism screening for newborns

17. Immunization vaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:

• Diphtheria, Tetanus, Pertussis

• Haemophilus influenzae type b

• Hepatitis A

• Hepatitis B

• Human Papillomavirus

• Inactivated Poliovirus

• Influenza (Flu Shot)

• Measles, Mumps, Rubella

• Meningococcal

• Pneumococcal

• Rotavirus

• Varicella

18. Iron supplements for children ages 6 to 12 months at risk for anemia

19. Lead screening for children at risk of exposure

20. Medical History for all children throughout development


21. Obesity screening and counseling

22. Oral Health risk assessment for young children

Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years.

23. Phenylketonuria (PKU) screening for this genetic disorder in newborns

24. Sexually Transmitted Infection (STI) prevention counseling and screening for adolescents at higher risk

25. Tuberculin testing for children at higher risk of tuberculosis


26. Vision screening for all children

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Express Scripts: Medications and Your Prescription Coverage

Important advice to help keep your costs down and get the medications you need.

Home Delivery

If you fill prescriptions for eligible maintenance drugs at a retail pharmacy, you may be paying more than necessary for your medications. You can save time and money by using home delivery pharmacy services from Express Scripts.1

Why Choose Home Delivery?

• Your medication will usually cost less than at a retail pharmacy.

• Get up to a 90-day supply delivered right to you with free standard shipping.

• It’s easy to order refills online, over the phone, by mail or with the Express Scripts mobile app.

• You can even refill many prescriptions automatically through Worry Free Fills.2

• Express Scripts pharmacists review every prescription and are available 24/7 to answer your questions.

How long will it take to process my order?

When you fill a prescription through the Express Scripts Pharmacy for the first time, you can expect delivery within 2 weeks from the time the prescription is received from your doctor. Keep a 30-day supply of your medication on hand at the time of your order. Refills typically take 3-5 days to process and ship.

1 Includes services provided by the Medco Pharmacy (for specialty drugs) and the Express Scripts Pharmacy2 By calling member services you can enroll in Worry Free Refills to receive automatic refills on maintenance medications. Your medications

will be dispensed when they are slated for a refill. No need to call in or request a refill.3 If you’re a first time visitor to the Express-Scripts website, please take a moment to register. Be sure to have your member ID number.

THREE EASY WAYS TO GET STARTED!

1. Call Member Services at 800-451-6245 to speak with a prescription benefit specialist. With your approval, Express Scripts will reach out to your doctor and make the arrangements for home delivery.

2. Sign in at Express-Scripts.com or StartHomeDelivery.com and scroll down to “Transfer your retail prescriptions to the mail-order pharmacy.”3

3. Ask your doctor to write a new prescription for up to a 90-day supply, plus refills for up to 1 year, if appropriate. For faster service, ask your doctor to send your prescription to Express Scripts through e-prescribing.

IMPORTANT: You can get up to two fills of each of your maintenance medications at a retail pharmacy. If you do not contact Express Scripts by your third fill, you will have to pay the full cost of your prescription until you contact Express Scripts to enroll in Home Delivery or decline enrollment.

Take advantage of the Express Scripts Pharmacy from anywhere! Scan the code below to download

the mobile app today!

Download the app and more at Express-Scripts.com/mobile

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Express Scripts: Medications and Your Prescription Coverage

Prior Authorization

Express Scripts prior authorization program (often called a coverage review) is designed to help keep prescription drugs affordable while providing the medicine you need.

Some drugs need approval, or Prior Authorization, before your plan will cover them. When you receive a prescription for one of these drugs, your personal medical professionals are consulted. This works like a health plan that consults your doctor before covering certain medical tests. Only your own doctor (or in some cases your pharmacist) can provide the information needed to determine if a drug can be covered.

Prescription drugs that need approval are flagged in the pharmacy’s computer with a message saying your prescription needs Prior Authorization. This means that more information is needed to determine if your plan can cover the drug.

In the next step, your doctor calls the Express Scripts Prior Authorization phone line at 800-451-6245 - open 24 hours a day, every day. During the call, an Express Scripts agent checks your plan’s guidelines.

For example, a medicine may need Prior Authorization because it can be used for more than one purpose: It’s a medical treatment for skin conditions, but it can also be used cosmetically to reduce wrinkles. Your plan would cover this prescription drug only for medical conditions.

When your plan covers your medication, it helps keep your copayments affordable. If the medication is not covered, your doctor could write a new prescription for a covered drug. Or you can get the original prescription filled by paying full price at your retail pharmacy.

Step Therapy

Your plan prefers that you first try generic medications to treat a particular condition. These preferred medications are chosen typically because they've been shown to work effectively and cost less than other medications in that category.

What is Step Therapy?

Step Therapy is a program designed exclusively for people who have certain conditions - high blood pressure and high cholesterol, for example - that require them to take medications regularly.

Step Therapy drugs are grouped in categories based on cost and effectiveness:

Front-line drugs are generic (Step 1). They have been FDA approved as safe and effective for treating your health condition. These drugs should be tried first because in most cases they will provide the same health benefit at a lower cost.

Back-up drugs are those brand names you see advertised on TV. There are lower-cost brand drugs (Step 2) and higher-cost brand drugs (Step 3). These drugs always cost more than front-line drugs.

How it Works

The next time your doctor writes you a prescription:

• Ask your doctor if a generic medication (front line drug) is right for you.

• If you’ve already tried a front-line drug, or your doctor decides one of these drugs isn’t appropriate for you, then your doctor can prescribe a back-up drug. Ask your doctor to call Express Scripts at 800-451-6245 to obtain a suitable prescription for you.

• You can always get a higher-cost brand-name drug at a higher copayment if the front-line or Step 2 back-up drugs aren’t effective for you.

QUESTIONS? Call Express Scripts toll-free at 800-451-6245.

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Urgent Care

An urgent care center provides walk-in, extended hour access for acute, non-life threatening illness and injury care that is available when the typical provider’s office is closed (evenings, weekends and holidays). There are many studies by the Center for Disease Control and others that identify significant numbers of patients who went to an emergency room and could have been treated in an urgent care center. If you have a life threatening condition you should seek care in an emergency facility.

What is your Urgent Care benefit?

PPO Plan Network Only Plan Qualified High Deductible Health PlanIn-Network:

$35 copay per visitOut-of-Network:70% of Allowed

Benefit after Deductible

In-Network:$50 copay per visit

In-Network:90% of Allowed


Out-of-Network:70% of Allowed


How do I locate an in-network urgent care center?

You can contact CareFirst Administrators (CFA) by phone or you can access CFA’s website for a list of urgent care centers. Below are instructions on how to locate an in-network urgent care center. You can also contact Health Advocate at 1-866-695-8622 to speak with a professional who can assist you in locating an urgent care center.

CareFirst Administrators (CFA)

Phone: 1-877-889-2478Hours: Monday – Thursday: 8:30 a.m. – 6:00 p.m. EST

Friday: 8:30 a.m. - 5:00 p.m. EST

Internet:

1. Go to www.amhic.com.

2. Click on the “Forms & Links” tab.

3. Scroll down to the “Links” section where the Medical network directories are listed.

4. Click on the “CareFirst Network” link - effective January 1, 2013 - Select an Option.

5. In the “Search by Plan” section, select “TPA-CareFirst Administrators” and click “Continue”.

6. Click on either “CareFirst Regional” or “Blue Cross BlueShield National”.

7. Input your search criteria and click “Continue”. A list of providers that match your search criteria will be generated.

Health Advocate

Phone: 1-866-695-8622Hours: Available 24 hours / 7 days a week

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How does Conifer/InforMed make contact with me?

If you are identified as a possible candidate for medical management support, a nurse will call you to provide you with key information about the medical management program we are offering on behalf of you and your health plan and to discuss your health care needs. Conifer/InforMed looks forward to the opportunity to work with you in a confidential and professional manner. Our goal is to help you live a healthier life!

Do the Conifer/InforMed services cost me anything?

No. Conifer/InforMed’s medical management services are paid by AMHIC.

Can I change Conifer/InforMed Nurses?

Yes. If for some reason you are not happy with your Conifer/InforMed nurse, a new nurse will be assigned to you.

How can I contact Conifer/InforMed?

AMHIC has been assigned Donna Lanoue RN, BSN as its nurse, and she can be reached at the phone number and email address below.

Donna Lanoue RN, BSN800-459-2110 ext. [email protected]

My name is Donna Lanoue and I graduated from the University Of Virginia School Of Nursing in 1988. I began my career at Georgetown

University Hospital on the neurology unit. After I married, I followed my husband, who was in the Navy, across the country and worked in acute care hospitals on surgical floors or oncology areas. My most recent hospital employment was on the orthopedic floor at Baltimore Washington Medical Center. I have been employed as a Personal Health Nurse at Conifer/InforMed Health Solutions since May 2011 and have enjoyed interacting with my patients to involve them in their health care. In my spare time, I am very active in volunteering in various community groups. I currently live in Annapolis, Maryland. I have been married for 25 years and have 3 children, 2 cats and 1 dog.

Conifer/InforMedManage Your Condition

Do you have any of the following conditions?

• High blood pressure• High cholesterol• Diabetes• Heart disease• Chronic kidney failure• Chronic Obstructive Pulmonary Disease (COPD)

If so, it can be overwhelming to manage your condition and stay as healthy as possible. That’s why CareFirst Administrators has partnered with Conifer/InforMed, a medical management services company, to provide you and your dependents with FREE access to trained nurses who can help guide you through the sometimes confusing maze of how to handle your condition.

Who is Conifer/InforMed?Over the past 10 years, Conifer/InforMed has a become a health care leader by working closely with individuals, physicians, hospitals, health plans and others to promote healthy outcomes and reduce health care costs. Conifer/InforMed is a private company doing business in over 30 states, supporting quality health care through our medical management programs.

Why should I trust Conifer/InforMed?Conifer/InforMed has been in business for over a decade serving many thousands of individuals. Conifer/InforMed’s operations are regularly reviewed by practicing physicians, including Conifer/InforMed’s Medical Director Committee made up of national experts. Also, Conifer/InforMed’s expert clinical team is made up of full-time nurses, who are credentialed and certified through state laws and professional groups. In addition, Conifer/InforMed medical management operations are accredited by a national quality organization.

Can Conifer/InforMed make a difference in my life?If you are chronically ill or suffering from complex medical conditions, Conifer/InforMed can help you and your physician by providing you insights on how to improve your health. Our goal is to work with you and your physician to help develop and support a customized care treatment plan for you. Of course, your willingness to participate in the Conifer/InforMed medical management program is key to achieve a successful outcome.

Is participation mandatory?No. Conifer/InforMed’s services are optional and voluntary. We will not enroll you in any of our medical management programs without your consent.

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Health Advocate - 24 Hour NurseLine

NurseLine™ is part of your Health Advocate benefit, offered by AMHIC at no cost to you. Now, you and your family have a place to turn for trusted advice and information when you need it most. Our highly trained nurses are available 24/7 to help answer your questions about symptoms, medications and health conditions, and offer self-care tips for non-urgent concerns.

24/7 Access to a Nurse

• Answer questions about symptoms, medications

• Explain a health condition

• Offer simple, self-care tips for non-urgent concerns

• Direct you to the appropriate care for immediate attention, such as the emergency room, urgent care center or your doctor

Remember… Call 911 or go to the ER in an emergency

Help with Other Concerns Too

• Your baby’s fever in the middle of the night

• If your symptoms mean you have the flu

• How to ease common problems such as a sore shoulder

• Side effects of your medications

Reminder!

Talk to your own Personal Health Advocate

And, don’t forget you can also call your Personal Health Advocate for all sorts of healthcare-related issues. For example, your Personal Health Advocate can help sort out billing concerns, find qualified doctors, transfer medical records, locate eldercare resources, research healthcare costs and much more. All of your personal information is kept completely confidential at all times, so you can be sure that your privacy is protected.

Coverage for your entire family!

Eligible employees, their spouses, dependent children, parents and parents-in-law can use the benefit. Just call or email [email protected].

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Health Advocate - Personal Health Advocate

Help is only a phone call away.

You will be assigned a Personal Health Advocate. You, your spouse, dependent children, parents and parents-in-law are eligible to use our service.

Top Reasons to Call Us...866.695.8622

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VALUE ADDED SERVICES THROUGH CAREFIRST ADMINISTRATORS (CFA)REGISTER AND CREATE AN ACCOUNTCreating an account gives you information regarding your health insurance online. This website gives you access to who is covered on your policy, what is covered, claims history and current amount paid towards your deductible and out-of-pocket maximums. Registering is easy! Just sign on to www.cfablue.com, select the Members option on the upper left side of the screen, click on “Register Now”, and follow the prompts to create a New User Account.

YOUR HEALTH TICKETHealth Ticket provides you with an online provider directory personalized with your benefits. Health Ticket is your one-stop shop for comprehensive information about your health care benefits as well as highly specific provider information. Health Ticket is available 24/7 and your search results are printable so you can take them along with you to medical appointments.

DISCOUNTS ON HEALTH & WELLNESS The following offers and discounts are available to all members enrolled in an AMHIC PPO, Network Only, or Qualified High Deductible Health Plan. For additional details on any of the programs listed, visit www.carefirst.com/wellnessdiscounts and click on a service from the list provided.

ALTERNATIVE THERAPIES & WELLNESS

Up to 30% discounts on chiropractic care, acupuncture, massage therapy, nutritional counseling, personal training, yoga, guided imagery, spa services and more.

ELDERCARE SERVICES Free referral services to help members find qualified providers through ElderCare. Including home health care, home support, assisted living, adult day care, long term care, nursing homes, and support groups for caregivers.

FITNESS CENTERS Discounts on membership fees, initiation fees and more depending on which fitness network and location you choose.

HEARING CARE Free screenings, discounts on hearing aids and more.

LASER VISION CORRECTION & CONTACT LENSES

Discounts on laser vision correction and patient financing with approved credit.

MEDICAL IDS Discounts on personalized medical ID bracelets and necklaces.

RECREATION & TRAVEL Enjoy savings on travel and leisure expenses.

WEIGHT LOSS Nationally recognized weight loss plan discounts at Jenny Craig and NutriSystem.

WORKOUT GEAR 20% off at Reebok.com

CFA ACCOUNT ACCESSwww.cfablue.com

Write your user information here:

Username: __________________

Password: ___________________

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INTRODUCING YOUR HEALTH TICKETCareFirst Administrators is pleased to announce the launch of Health Ticket, an exciting new online provider directory personalized with your AMHIC benefits. Health Ticket is your one-stop shop for comprehensive information about your health care benefits as well as highly specific provider information.

Health Ticket is available 24/7 and your search results are printable so you can take them along with you to medical appointments.

Your Health Ticket looks similar to your regular ID card, only with greater detail, which will allow you to:

• Keep better control of your out-of-pocket expenses.

• Obtain an in-depth snapshot of each provider you research.

• Use the printable ID card in the event you lose or misplace your regular card.

It’s easy to get started. First, log onto our secure member portal via www.cfablue.com and select the Member Option link. Then, log onto your account. You must be a registered user with a User ID and Password in order to access your Health Ticket. Based on the search criteria you enter, you will easily be able to locate:

• In-network providers by specialty, hospital, facility or geographic location

• Your copay information specific to that provider

• Deductibles and coinsurance information

• Directions to the provider’s office

• Covered services

• Important phone numbers

• And much more!

If you have further questions about Health Ticket, please call CFA at the number on your member ID card.

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IMPORTANT INFORMATION ON THE BACK OF YOUR I.D. CARD

For additional member resources, please visit our website:

www.amhic.com

October 9, 2014

AMHIC A Reciprocal Association

Documents

AMHIC, A Reciprocal Association Member Resource Guideamhic.com/PDF/AMHIC - Member Guide - October 2014.pdf · 8. Dyslipidemia screening for children at higher risk of lipid disorders