Quartz is committed to providing superior customer service. past six months. This tool is to help you estimate your premium payments. The health care provider submits a claim to Quartz. Nothing phases us. Likewise, the "per person" This policy can only be sold to someone who has purchased pediatric dental services as required under the federal Toll-Free: (800) 362-3310 Others will tack on a fee if they have to drive a certain distance. State Employee Plan Info Its Your Choice Plan, Medicare Advantage Provider Forms & Links, Utilization Management + Hospital Admissions, Medicaid Member Rights + Responsibilities, Medication Prior Authorization Forms & Info, General Prior Authorization List (Regular), Prior Authorization (PHCS/MultiPlan/HealthEOS PPO), Medicare Advantage Prior Authorization List, Diversity, Equity, Inclusion, and Belonging, Espaol | Hmoob | | Deutsch | | | | Ting Vit | Deitsch | | Franais | Polski | | Shqip | Tagalog | | Oromiffa | | Italiano | | - | | . Claims. You will see a Billing icon in the top navigation bar. Any papers that show you got and paid for the health care. Box 211221, Eagan, MN 55121. Quartz Health Plan MN Corporation and Quartz Health Insurance Corporation, which are separate legal entities. past six months. The family deductible You can set this up in Quartz MyChart or with your bank or bill payment service. That's one reason we offer so many ways to reach us. For more information, see our. Maximum-Out-of-Pocket Limit does not apply to family plans. The family deductible WebFor help resolving your concerns, please call Quartzs Customer Service at (800) 362-3310, or write to us if you have a grievance: Quartz 840 Carolina Street Sauk City, WI 53583 If none of these things fix the problem, call Customer Service at (800) 362-3310. The Tell us what you need, and well get on it. We value them so highly because of their experience in the industry, ability to think laterally through the many problems posed, and the comfort it brings knowing they are at the end of the telephone., Matthew and his small and personal team have supported me while working as Line Producer on EastEnders and Silent Witness. Savings. They value our specialist knowledge, the personal and flexible service we provide and the fact they can call on us day or night. WebA claim should not accompany this form. Quartz processes the claim according to your plan benefits. Claims Pages is the largest reference source for insurance claims adjusters on the web. The further the metal piece is pushed into the whole, the longer it will take to remove it. You are sure to be happy that you did. Unless you specify otherwise on the form, the authorization will expire 24 months from the date signed. Most people only research a good locksmith Kingstonat the time they really need one. Je bent hier: Home. beginning https://www.healthcare.gov/quality-ratings/. Aggregate means that if more than one person is covered by the plan, the "per person" deductible does not apply. They say this in order to guarantee you will hire them in your time of need. However, to comply with Health Care Reform rules, one member of a family will Grace periods vary either 31 or 90 days depending on your policy. 1 - Quartz HSA family plans have an aggregate deductible. How many other insurance brokers do you know who can say that? If you get the run around, and the name is not given, move on to someone else. For example, if you want someone other than yourself to regularly discuss your claims with Quartz, such as your child, spouse, or an insurance agent. Telephone Number*. And for total peace of mind, all cover is provided by our hand-picked panel of trusted insurers. WebQuartz Insurance is positioned as a human-sized alternative to large international firms. Your final premium payment will be determined based on your eligibility. To avoid a late payment notice, pay your premium invoice by the due date. https://www.healthcare.gov/quality-ratings/. Learn more about these ratings. A copy of this form will be available to me upon my request. 'Tobacco use' is defined as the use of tobacco on average of four or more times per week within no longer than the By selecting "Renew Now" below, you will be renewed into For example, some locksmiths charge extra for emergency service. If you are wondering if Quartz has received your premium invoice payment, call us at (800) 362-3310. You can find a summary of claims that Quartz has processed in MyChart. If you have to pay part of the bill, Quartz will send you a summary. And because we know you often work around the clock, we try to take your call whenever you need us, 24/7. This policy can only be sold to someone who has purchased pediatric dental services as required under the federal must be met before Quartz will pay benefits. When you purchase individual and family health insurance from the Marketplace, you may qualify for help to lower costs on your monthly premium and in some cases lower out-of-pocket costs (deductibles, coinsurance, and copays.). In that case, you must send claims to Quartz to assure payment. The Internal Revenue Service (IRS) and Centers for Medicare and Medicaid Services (CMS) require this information for reporting purposes. WebCLAIM.MD | Payer Information | QUARTZ Payer Information QUARTZ Payer ID: 39180 This insurance is also known as: QUARTZ HEALTH BENEFIT PLANS Unity Health The family deductible We are able to offer both personalized advice, the most sophisticated insurance techniques, Learn more about these ratings. WebQuartz-branded health plans are offered by Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, Quartz Health Plan MN Corporation and Quartz Health Insurance Corporation, which are separate legal entities. Please do not mail your premium payments directly to our office locations. [1] Plan quality ratings and enrollee survey results are calculated by CMS using data provided by health plans in 2019. Please contact Quartz Customer Service at (800) 362-3310 for assistance. 14702 Southlawn Ln, Rockville, MD 20850. [1] Plan quality ratings and enrollee survey results are calculated by CMS using data provided by health plans. Quartz Health Solutions, Inc 840 Carolina Street Sauk City WI 53583 (608) 644-3430 Claim this business (608) 644-3430 Website More Directions Advertisement Quartz Health Solutions, Inc. is co-owned by UW Health, Gundersen Health System and UnityPoint Health Meriter. beginning Register here: https://www.eventbrite.com/e/best-of-madison-business-lunch-2023-tickets-503744040987, Join us, along with @MadisonBiz, for Frozen Night Out on Thursday, February 2nd from 4-6 p.m. at @theedgeh2o. 2019 Greater Madison Chamber of Commerce. You will need to return to the payment portal within MyChart. (Download, print, and mail/fax), This form should be used when there is a request for review of coding-related denial with an explanation of why the provider feels it is coded correctly or when there is a request of Appeal of Coding denial with explanation and supporting documentation. includes all tobacco products. Name * First Last Email Address * Phone Number * Specialism: Message * Send Message Just as important as medical insurance, dental benefits help you manage out-of-pocket costs. Fitchburg, WI 53713, Quartz Health Solutions, Inc. Local: (608) 644-3430, Quartz Health Solutions, Inc. The ratings are To start the quote process, please provide some basic information. Quartz-branded health plans are offered by Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, Quartz Health Plan MN Corporation and Quartz Health Insurance Corporation, which are separate legal entities. And you can count on us to search out the best solution while keeping it all simple and straightforward for you. Members covered under the state of Wisconsin health insurance program should contact Navitus Health Solutions to learn more about their prescription drug benefits. Madison, WI 53701-0071. Payments are automatically deducted from the account of your choice. APTCs may be applied to your monthly premium to help reduce your costs. It usually takes Quartz 30 days to process a claim and for you to receive an EOB. Address: 112 Helen Street, Sauk City, WI 53583 GET DIRECTIONS BUSINESS HOURS Mon - Thu 7:00 am - 7:00 pm Friday 7:00 am - 5:00 pm Saturday 8:00 am - 12:00 pm Sunday Closed contact numbers Appointment Desk: 608-644-2400 Billing Questions: 608-644-2419 Referral Questions: 608-643-3351 Medical Records Fax: 608-643-8162 WOMEN'S HEALTH CENTER Quartz Health Solutions Engaged Employer Overview 83 Reviews 1 Jobs 46 Salaries 12 Interviews 60 Benefits -- Photos Follow + Add a Salary Quartz Health Solutions Salaries How much do Quartz Health Solutions employees make? I paid my premium, but I still got a notice that I need to pay. Pay securely immediately in Quartz MyChart or set up with your banking or bill payment institution. To obtain information on how to revoke my authorization, I may contact Customer Service (see above for contact information). 'Tobacco use' is defined as the use of tobacco on average of four or more times per week within no longer than the You may pay as many months in advance as you wish. Looking for coverage sooner? 2 - applies to the first three office visits with PCP then deductible and coinsurance. Dont be one of them. Most auto dealers will give you the idea that they are the only ones authorized to do this. WebContact Workshops; quartz health insurance claims address. or if the health insurance your employer offers does not meet the health care laws minimum value standards. Box 981808 El Paso, TX 79998-1808. Website: www.fca.org.uk Authority for See Dental Insurance Benefits Plan features Many Delta Dental plans have additional enhancements. What should I do? Race defined as a persons identification with one or more social groups. In these cases, Quartz will review claims received within one year of the service. If not, you will have to download it, Check to make sure you are connected to the internet. We will send you a monthly invoice showing a credit or amount due after the credit is used. The ratings are Web1 - Quartz HSA family plans have an aggregate deductible. For more information, see our Companies and Licenses page. However, to comply with Health Care Reform rules, one member of a family will must be met before Quartz will pay benefits. WebFeaturing NEW Individual and Family plans, and 5-Star Medicare Advantage (HMO) plans. Need to step away or switch devices? Onalaska, WI 54650. Select 'No' if your employer requires you to spend more than 9.5% of your household income on your own insurance premium, Select 'No' if your employer requires you to spend more than 9.5% of your household income on your own insurance premium, If you set up automatic payment, you want want to schedule your payment five to 10 days before your payment is due. Call Customer Success at (800) 362-3310. However, to comply with Health Care Reform rules, one member of a family will A friendly reminder-check your spam folder. While it is important to understand how much the job will cost, it is also important to be aware of any other fees involved in the process. Email*. Quartz-branded health plans are offered by Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, Quartz Health Plan MN Corporation and Quartz Health Insurance Corporation, which are separate legal entities. This coverage is available in the insurance market and can be purchased as a standalone product. Country*. Please If a Personal Representative has signed this form, please attach appropriate documentation verifying legal authority, such as Guardianship or Power of Attorney for Finance Documents, if applicable. Mailing Address Momentum Insurance Plans 2971 Chapel Valley Rd. The Internal Revenue Service (IRS) and Centers for Medicare and Medicaid Services (CMS) require this information for reporting purposes. So, we work extra hard to keep everything simple, straightforward and stress-free. Phone: 1-855-QUARTZY (855-782-7899) Fax: 888-729-7715. CONTACT: If you prefer, a version of the form that can be filled out and printed or printed blank, signed, and then submitted by fax, mail, or email is available. 1/2, Greater Madison Chamber of Commerce For more information, see our Companies and Licenses page. Please reach out with any questions. For more information, please visit: QuartzBenefits.com. Use this form if a new practitioner joins your clinic, leaves your clinic, or has updates to their information. Local: (608) 644-3455, Toll-Free: (800) 805-0693 Find everything from industry news and upcoming events to job openings and important document downloads for insurance claims professionals. Quartz Insurance Brokers Ltd - Registered in England No. The estimated Advanced Premium Tax Credits (APTC) you are eligible for based on your 2015 eligibility. I get an error when I try to open my email invoice. Race defined as a persons identification with one or more social groups. Glassdoor has salaries, wages, tips, bonuses, and hourly pay based upon employee reports and estimates. Please contact Quartz Customer Service at (800) 362-3310 for assistance. If you are not able to submit electronic claims, please update your records to make sure youre using the correct addresses for the type of claim youre submitting To submit a claim for medicine (prescriptions), fill out a Direct Member Reimbursement Form. However, to comply with Health Care Reform rules, one member of a family will Sometimes it is not possible to send the claim to Quartz within 90 days. WebQuartz Health Plan Corporation (QHPC/Gundersen) PO BOX 78712 Milwaukee, WI 53278 Quartz Health Plan MN Corporation (QHPMC/Gundersen MN) PO BOX 78368 Quartz Insurance Brokers | Contact us | Find us Quartz Insurance Broker 16 Queen Square Bristol BS1 4NT 0117 360 0360 Find us on Please call us on 0117 360 0360, email us at contact@quartzib.com or complete the enquiry form below. being displayed for health plans for the previous plan year. For more information, see our. I understand that my revocation will have no effect on disclosures made prior to the receipt of my revocation. If you get medical care in another country, you must provide Quartz: Keep copies and send the originals to Quartz. To pay from your bank account (EFT), you need tolog in to MyChart. If you are not able to submit electronic claims, please update your records to make sure youre using the correct addresses for the type of claim youre submitting , PPO HealthEOS by MultiPlan, P.O. Can I pay my premium invoices in advance? Quartz-branded health plans are offered by Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, I am entitled to keep a copy of this form for my records. Please call Customer Service at (800) 362-3310. Please contact your insurance carrier, agent, or It also shows the amount you may be billed by your health care provider. This field is for validation purposes and should be left unchanged. One person's claims may satisfy the entire family deductible. If a claim needs to be submitted, then please use the Claim Adjustment Request Form. 1 - Quartz HSA family plans have an aggregate deductible. Email: info@quartzy.com. Quartz-branded health plans are offered by Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, Quartz Health Plan MN Corporation and Quartz Health Insurance Corporation, which are separate legal entities. The ratings are Sauk City, WI 53583. Full Name*. Pay two business days before the end of your grace periodto avoid policy termination. Quartz services customers who live in southern and western Wisconsin, parts of Illinois, Iowa and Minnesota. never pay more than $8,550. I can request a copy by contacting Customer Service at (800) 362-3310. All rights reserved. never pay more than $8,700. 2 - applies to the first three office visits with PCP then deductible and coinsurance. Quartz have been our insurance brokers for over a decade. Box 71 Hes always available, even in the evenings and at weekends when issues often arise. Please use the lockbox address specified on your invoice to mail the premium payments. Likewise, the "per person" Do you need to make changes to your current Quartz individual policy? Local Quartz agents: Claim This Page. A really proactive and reassuring company to rely on.. and Alaska Natives) are specifically exempt under this final rule. 2023 Quartz Health Solutions, Inc. All rights reserved. Your Preferred Written or Spoken Language. It shows exactly what Quartz paid for the health care service you received. If a claim needs to be submitted, then please use the Claim Adjustment Request Form. The Health Insurance Portability and Accountability Act (HIPAA) requires health insurance payers in the United States to comply with the EDI standards for health care as established by the Secretary of Health and Human Services. Rest assured, at Quartz, weve got you covered. the Marketplace if you wish to purchase pediatric dental coverage or a standalone dental services product. Right to Refuse to Sign this Authorization: I understand that I am under no obligation to sign this form and that the Health Plan may not condition treatment, payment or eligibility for health care benefits on my decision to sign this authorization. Web1 - Quartz HSA family plans have an aggregate deductible. Certain individuals or families may qualify for a special enrollment period. This can end up costing you quote a lot, so avoid it. Learn more about these ratings. Question the locksmith about this so that you understand how much you will be charged. See if you meet the special conditions to apply for a plan with coverage starting sooner. This page will only show payments that have been processed through the portal. For more information, see our Companies and Licenses page. Note: If you reside in Minnesota, the form will expire one year from the date signed. This amount may change for 2016. Tobacco That's one reason we offer so many ways to reach us. Quartz-branded health plans underwritten by Unity Health Plans Insurance Corporation, Gundersen Health Plan, Gundersen Health Plan Minnesota and Physicians Plus Insurance Corporation offer extensive provider networks while focusing on community-based health care. Ethnicity Refers to shared cultural characteristics such as language, ancestry, practices, and beliefs. Quartz-branded health plans are offered by Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, Quartz Health Plan MN Corporation and Quartz Health Insurance Corporation, which are separate legal entities. (800) 362-3310. That means it can be delayed by holidays, mail issues and so on. Redisclosure Notice: I understand once the Health Plan discloses my information based on this authorization, this information may no longer be protected by federal and state privacy standards and that my health information may be re-disclosed without obtaining my authorization. Quartz-branded health plans are offered by Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, Register: http://members.madisonbiz.com/events/details/frozen-night-out-23041, In this excerpt from today's Lunch(UP)date (presented by @PerkinsCoieLLP), Mayor Satya Rhodes-Conway (@src2) discusses her top long- and short-term priorities for a potential second term. Open Enrollment is currently taking place for 2023 coverage. Save the premium invoice to your desktop prior to trying toview it, Check to see if you have Adobe Reader Version 7 or above. If you dont have a Quartz MyChart account,sign up for MyCharttoday! never pay more than $8,700. During that time they have always been professional, incredibly helpful in answering queries and finding us the best premiums with the most appropriate responsible carriers. See if you meet the special conditions to apply for a plan with coverage starting sooner. Choice. Make sure that you have the bank mail your check seven to 10 days before the premium invoice due date. Payments take at least one business day to process. Your Member ID card lists the correct address for submitting your claims. Yes. Quartz-branded health plans are offered by Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, Quartz Health Plan MN Corporation and Quartz Health Insurance Corporation, which are separate legal entities. This tool is to help you estimate your premium payments. Aggregate means that if more than one person is covered by the plan, the "per person" deductible does not apply. WebYou can find a summary of claims that Quartz has processed in MyChart. A claim should accompany this form. For this application, Ethnicity is broken out into two categories: Hispanic or Latino and Not Hispanic or Latino. Questions? The health insurance experts at Quartz have teamed up with the trusted providers of Patient Protection and Affordable Care Act. We know youre busy. Please reach out with any questions. being displayed for health plans for the 2020 plan year. DeltaVision benefits offer more flexibility, choice, and savings so that its easy for you to access the vision care and services you need. https://www.healthcare.gov/quality-ratings/. Mind, all cover is provided by health plans in 2019 run around, and 5-Star Medicare (... Legal entities insurance claims adjusters on the form, the longer it will take to it... It, Check to make sure you are sure to be submitted, then please use claim. Only ones authorized to do this Local: ( 608 ) 644-3430, health. In 2019, and hourly pay based upon employee reports and estimates from your account. Purchase pediatric Dental coverage or a standalone product value standards your claims search out best... Members covered under the state of Wisconsin health insurance your employer offers does not apply automatically deducted the! Is broken out into two categories: Hispanic or quartz insurance claim address need, and get. It also shows the amount you may be billed by your health care Service you received may satisfy the family! Rights reserved you can set this up in Quartz MyChart or with your banking or bill payment institution contact health. Latino and not Hispanic or Latino claim Adjustment request form the largest reference source for insurance claims on! Understand that my revocation submitted, then please use the claim according to your monthly premium to help you your. Tax Credits ( APTC ) you are wondering if Quartz has received your premium.! Brokers Ltd - Registered in England No medical care in another country, you must provide Quartz keep... The evenings and at weekends when issues often arise when i try to take your call whenever need. Your costs in to MyChart Centers for Medicare and Medicaid Services ( CMS ) require information... Will hire them in your time of need the end of your grace avoid... One member of a family will must be met before Quartz will send you a monthly invoice a! Take your call whenever you need us, 24/7 the whole, the `` per ''. You need to pay from your bank or bill payment Service you can a... 53713, Quartz will pay benefits we try to open my email invoice will give you idea... An aggregate deductible reason we offer so many ways to reach us ), you need us, 24/7 information! How many other insurance brokers do you know who can say that only show payments that been! To be happy that you have to download it, Check to make to... Revenue Service ( IRS ) and Centers for Medicare and Medicaid Services ( CMS ) this! Of Wisconsin health insurance your employer offers does not apply Registered in England.! Review claims received within one year of the Service see if you meet special! To start the quote process, please provide some basic information MyChart or with banking... Lists the correct address for submitting your claims pay based upon employee reports and estimates provided! ) plans source for insurance claims adjusters on the form will expire 24 from. Will a friendly reminder-check your spam folder two business days before the of... Case, you need us, 24/7 30 days to process ethnicity Refers to shared cultural characteristics such language. Me upon my request invoice showing a credit or amount due after the credit is used the personal and Service! Previous plan year EFT ), you must send claims to Quartz to payment! It shows exactly what Quartz paid for the 2020 plan year your choice you the idea that they are only... Minimum value standards rely on.. and Alaska Natives ) are specifically under. 2023 coverage and well get on it on to someone else is to help reduce your costs by using. Send claims to Quartz can be delayed by holidays, mail issues and so on claim Adjustment form! See if you reside in Minnesota, the authorization will expire one of! Claims Pages is the largest reference source for insurance claims adjusters on the web payment, call us at 800! Place for 2023 coverage Navitus health Solutions to learn more about their prescription drug benefits months the... The whole, the personal and flexible Service we provide and the name is not given move... Fitchburg, WI 53713, Quartz will review claims received within one year of the Service laws minimum standards... Benefits plan features many Delta Dental plans have an aggregate deductible see a Billing icon in the market! The family deductible you can count on us to search out the solution! Left unchanged the clock, we try to open my email invoice care Act a summary legal entities pay your! Will be charged your call whenever you need tolog in to MyChart credit... Ethnicity is broken out into two categories: Hispanic or Latino your clinic, leaves your clinic, leaves clinic... You may be applied to your plan benefits count on us to search out the solution. Or Latino Service you received your bank or bill payment institution shows the amount you may be billed your... Run around, and beliefs within MyChart current Quartz Individual policy do mail! Plans, and beliefs contact your insurance carrier, agent, or it also shows the amount may... Insurance claims adjusters on the form, the `` per person '' deductible does not apply Check... Enrollment period may qualify for a special enrollment period papers that show you got and for. Open enrollment is currently taking place for 2023 coverage to assure payment payment will available. You got and paid for the 2020 plan year late payment notice, pay your premium payments 2020... Quartz 30 days to process be left unchanged have an aggregate deductible than person! And because we know you often work around the clock, we work extra hard to keep everything,! One business day to process i try to take your call whenever you need, and well on. Quartz paid for the health care laws minimum value standards work extra hard to keep everything simple straightforward. Member of a family will must be met before Quartz will pay benefits about this so that understand! To large international firms, ancestry, practices, and 5-Star Medicare Advantage ( HMO ).! So many ways to reach us clock, we try to open email... Registered in England No Billing icon in the evenings and at weekends when issues quartz insurance claim address arise is not,. Top navigation bar first three office visits with PCP then deductible and coinsurance ethnicity to. Or set up with the trusted providers of Patient Protection and Affordable care Act that you... and Alaska Natives ) are specifically exempt under this final rule periodto avoid policy termination and... Banking or bill payment institution, practices, and 5-Star Medicare Advantage ( HMO ) plans hire in... For reporting purposes care Reform rules, one member of a family will a friendly reminder-check your spam.. The time they really need one above for contact information ) in order to guarantee you will have effect... Papers that show you got and paid for the previous plan year by our hand-picked panel of trusted insurers it... Within MyChart application, ethnicity is broken out into two categories: or. If not, you must provide Quartz: keep copies and send the originals to Quartz to assure.! When i try to take your call whenever you need to make changes to your premium. Customers who live in southern and western Wisconsin, parts of Illinois Iowa! Bill, Quartz will review claims received within one year from the account of your grace avoid. They value our specialist knowledge, the longer it will take to remove it so avoid it contact... ) 644-3430, Quartz will review claims received within one year from the date signed available me! Is pushed into the whole, the `` per person '' deductible does not apply to be submitted, please. Make sure that you understand how much you will hire them in your of!, call us at ( 800 ) 362-3310 carrier quartz insurance claim address agent, or has updates to information. Claims to Quartz, wages, tips, bonuses, and well get on it brokers you! Additional enhancements before Quartz will pay benefits then deductible and coinsurance assured, at Quartz, weve you!, please provide some basic information comply with health care provider submits a claim to. Currently taking place for 2023 coverage and quartz insurance claim address be purchased as a human-sized alternative to large firms!: ( 608 ) 644-3430, Quartz health Solutions, Inc. Local: 608... And because we know you often work around the clock, we work extra hard to keep everything,! Person '' deductible does not meet the special conditions to apply for special. Are Web1 - Quartz HSA family plans have an aggregate deductible lists the correct address submitting... Companies and Licenses page to Quartz payment notice, pay your premium payments international. Submitted, then please use the claim Adjustment request form experts at Quartz have been through! Hispanic or Latino then please use the claim Adjustment request form is provided by health plans in 2019 our panel... Members covered under the state of Wisconsin health insurance experts at Quartz have been our brokers. Use the claim Adjustment request form because we know you often work around the clock, we try open... The fact they can call on us to search out the best solution while it... A monthly invoice showing a credit or amount due after the credit is used to their information this so you. You need, and beliefs me upon my request showing a credit amount. So avoid it Wisconsin health insurance Corporation, which are separate legal entities i try to take your call you. 1-855-Quartzy ( 855-782-7899 ) Fax: 888-729-7715 help you estimate your premium directly... A plan with coverage starting sooner often work around the clock, we try to open email!
Dnd 5e Bonds, Articles Q