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Insurance

CHI Memorial is included in a wide selection of health insurance plans, but since coverage is frequently updated, we recommend that you check with your insurance company for current information.
 

Medicare Advantage members have the option to switch to a 5-star Medicare Advantage plan at any time except December 1 -7.  Learn more on the CMS websiteDownload step by step instructions to find a plan on Medicare.gov

CHI Memorial Hospital Chattanooga & CHI Memorial Hospital Hixson

CHI Memorial Hospital Chattanooga and CHI Memorial Hospital Hixson participate in the following insurance plans. If you do not see your insurance plan below please contact us to verify as information is subject to change. Note: This listing is for reference only. Please contact your health plan or refer to your health plan’s online provider directory to verify CHI Memorial Hospital Chattanooga and CHI Memorial Hospital Hixson participation for your health plan.

Narrow Network Products

  • Cigna Local Plus (CHI Memorial and Erlanger) - available to groups and individual subscribers
  • BCBST Network S (HCA Parkridge and Erlanger) - CHI Memorial is out of network effective July 1, 2024. Network S patients have options to retain access to CHI Memorial hospitals and physicians

Other Insurance Plans Providing high-value CHI Memorial hospitals and physicians

  • Aetna
  • Alliant Health Plans
  • Ambetter TN/GA
  • BlueCross BlueShield Federal Employee Plan
  • BlueCross BlueShield of Tennessee (BCBST)
    • Network P
    • BlueCard (out of state)
  • CIGNA Open Access and Local Plus (not participating with CIGNA Connect/IFP)
  • HealthOne Alliance
  • Health Cost Solutions - Nissin Brake Georgia employees
  • Health Cost Solutions – Wellpath employees
  • Health Plans, Inc. - Armstrong Relocation and Companies, LLC employees
  • Healthscope (Whirlpool employees only)
  • Humana
  • Lucent Health - Athens Paper Company employees
  • Lucent Health - Novatech, Inc. employees
  • Lucent Health - VIAM Manufacturing, Inc. employees
  • Multiplan/PHCS
  • Tricare
  • United Healthcare (excluding the Tennessee Individual Exchange Benefit plans (formerly Compass), Core plans and W500 Emergent Wrap Network plans)

Medicare Advantage members have the option to switch to a 5-star Medicare Advantage plan at any time except December 1 -7.  Learn more on the CMS website.  Download step by step instructions to find a plan on Medicare.gov


5-STAR PLANS

Humana

  • Humana USAA Honor (HMO) - 5 star ★★★★★
  • Humana Gold Plus H 4461-035 (HMO) - 5 star ★★★★★
  • Humana Gold Plus H4461-041 (HMO) - 5 star ★★★★★
  • Humana Gold Plus H4461-040 (HMO) - 5 star ★★★★★
  • Humana USAA Honor H4461-004 (HMO) - 5 star ★★★★★
  • Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP) - 5 star ★★★★★


4 - 4.5-STAR PLANS

BlueCross BlueShield of Tennessee

  • BlueAdvantage Freedom (PPO) - 4.5 star★★★★
  • BlueAdvantage Sapphire (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Extra (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Emerald (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Ruby (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Diamond (PPO) - 4.5 star ★★★★⋆

Cigna

  • Cigna Courage Medicare (HMO) - 4 star ★★★★
  • Cigna Preferred Medicare (HMO) - 4 star ★★★★
  • Cigna Preferred Savings Medicare (HMO) - 4 star ★★★★
  • Cigna Primary Medicare (HMO) - 4 star ★★★★
  • Cigna Premier Medicare (HMO-POS) - 4 star ★★★★

Humana

  • Humana USAA Honor (PPO) - 4.5 star ★★★★⋆
  • Humana Value Plus H5216-180 (PPO) - 4.5 star ★★★★⋆
  • HumanaChoice H5216-097 (PPO) - 4.5 star ★★★★⋆
  • Humana USAA Honor H5216-235 (PPO) - 4.5 star ★★★★⋆


3 - 3.5-STAR PLANS


Cigna

  • Cigna True Choice Medicare (PPO) - 3 star ★★★

Humana

  • HumanaChoice R7315-002 (Regional PPO) - 3.5 star ★★★⋆

Wellpoint (formerly Amerigroup of Tennessee) - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.

  • Wellpoint Extra Help (HMO) - formerly Amerigroup of Tennessee Amerivantage Balance (HMO) and Amerigroup of Tennessee Amerivantage Balance Plus (HMO)- 3.5 star ★★★⋆ - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.
  • Wellpoint Medicare Advantage (HMO-POS) - formerly Amerigroup of Tennessee Amerivantage Classic (HMO), Amerigroup of Tennessee Amerivantage Balance Plus (HMO), Amerigroup of Tennessee Amerivantage Plus (HMO), and Amerigroup of TennesseeAmerivantage Select Plus (HMO) - 3.5 star ★★★⋆ 


UNSPECIFIED STAR RATINGS

Devoted Health Plans (effective September 1, 2024)

  • Devoted Choice Giveback Tennessee (PPO)
  • Devoted Choice Tennessee (PPO)
  • Devoted Choice Core Tennessee (HMO)

Wellpoint (formerly Amerigroup of Tennessee) - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.

  • Wellpoint Full Dual Advantage (HMO D-SNP) - formerly Amerigroup of Tennessee Amerivantage Dual Coordination (HMO D-SNP) 
  • Wellpoint Full Dual Advantage Support (HMO D-SNP) - formerly Amerigroup of Tennessee Amerivantage Dual Premier (HMO D-SNP)

We accept all Medicare supplements that are secondary to traditional Medicare.

  • Amerigroup of Georgia (Hospitals are not participating with Amerigroup of Tennessee)
  • BlueCross BlueShield of Tennessee – BlueCare
  • BlueCross BlueShield of Tennessee – BlueCare Plus – Dual Special Needs Plan (DSNP)
  • Peach State - Georgia Families
  • Peach State - Peachcare for Kids
  • Peach State - Planning for Healthy Babies
  • United Health Care Community Plan
  • United Healthcare Dual Complete HMO - Dual Special Needs Plan (D-SNP)
  • United Healthcare Dual Complete One HMO - Dual Special Needs Plan (D-SNP)

CHI Memorial Hospital Georgia

CHI Memorial Hospital Georgia participates in the following insurance plans. If you do not see your insurance plan below, please contact us to verify as information is subject to change. Note: This listing is for reference only. Please contact your health plan or refer to your health plan’s online provider directory to verify CHI Memorial Hospital Georgia participation for your health plan.

Narrow Network Products

  • Cigna Local Plus (CHI Memorial and Erlanger) - available to groups and individual subscribers
  • BCBST Network S (HCA Parkridge and Erlanger) - CHI Memorial is out of network effective July 1, 2024Network S patients have options to retain access to CHI Memorial hospitals and physicians

Other Insurance Plans Providing high-value CHI Memorial hospitals and physicians

  • Aetna
  • Alliant Health Plans
  • Ambetter TN/GA
  • Anthem/BlueCross BlueShield of Georgia 
  • BlueCross BlueShield Federal Employee Plan
  • BlueCross BlueShield of Tennessee (BCBST) 
    • Network P
    • BlueCard (out of state)
  • CIGNA Open Access and Local Plus (not participating with CIGNA Connect/IFP)
  • HealthOne Alliance
  • Health Cost Solutions - Nissin Brake Georgia employees
  • Health Cost Solutions – Wellpath employees
  • Health Plans, Inc. - Armstrong Relocation and Companies, LLC employees
  • Healthscope (Whirlpool employees only)
  • Humana 
  • Lucent Health - Athens Paper Company employees
  • Lucent Health - Novatech, Inc. employees
  • Lucent Health - VIAM Manufacturing, Inc. employees
  • Lucent Health - VIAM Manufacturing, Inc. employees
  • Multiplan/PHCS
  • Tricare 
  • United Healthcare (excluding the Tennessee Individual Exchange Benefit plans (formerly Compass), Core plans and W500 Emergent Wrap Network plans)

5-STAR Plans

Humana

  • Humana USAA Honor (HMO) - 5 star ★★★★★
  • Humana Gold Plus H 4461-035 (HMO) - 5 star ★★★★★
  • Humana Gold Plus H4461-041 (HMO) - 5 star ★★★★★
  • Humana Gold Plus H4461-040 (HMO) - 5 star ★★★★★
  • Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP) - 5 star ★★★★★
  • Humana USAA Honor H4461-004 (HMO) - 5 star ★★★★★


4 - 4.5-STAR Plans

Aetna

  • Aetna Medicare Eagle Plan (PPO) - 4 star ★★★★★

BlueCross BlueShield of Tennessee

  • BlueAdvantage Freedom (PPO) - 4.5 star ★★★★⋆ 
  • BlueAdvantage Sapphire (PPO) - 4.5 star ★★★★⋆ 
  • BlueAdvantage Extra (PPO) - 4.5 star ★★★★⋆ 
  • BlueAdvantage Emerald (PPO) - 4.5 star ★★★★⋆ 
  • BlueAdvantage Ruby (PPO) - 4.5 star ★★★★⋆ 
  • BlueAdvantage Diamond (PPO) - 4.5 star ★★★★⋆ 

Cigna

  • Cigna Courage Medicare (HMO) - 4 star ★★★★  
  • Cigna Preferred Medicare (HMO) - 4 star ★★★★  
  • Cigna Preferred Savings Medicare (HMO) - 4 star ★★★★  
  • Cigna Primary Medicare (HMO) - 4 star ★★★★  
  • Cigna Premier Medicare (HMO-POS) - 4 star ★★★★  

Humana

  • Humana USAA Honor (PPO) - 4.5 star ★★★★⋆ 
  • Humana Value Plus H5216-180 (PPO) - 4.5 star ★★★★⋆ 
  • HumanaChoice H5216-097 (PPO) - 4.5 star ★★★★⋆ 
  • Humana USAA Honor H5216-235 (PPO) - 4.5 star ★★★★⋆ 


3 - 3.5-STAR PLANS

Cigna

  • Cigna True Choice Medicare (PPO) - 3 star ★★★

Humana

  • HumanaChoice R7315-001 (Regional PPO) - 3.5 star ★★★⋆ 
  • HumanaChoice R7315-002 (Regional PPO) - 3.5 star ★★★⋆

Wellpoint (formerly Amerigroup of Tennessee) - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.

  • Wellpoint Extra Help (HMO) - formerly Amerigroup of Tennessee Amerivantage Balance (HMO) and Amerigroup of Tennessee Amerivantage Balance Plus (HMO) - 3.5 star ★★★⋆ 
  • Wellpoint Medicare Advantage (HMO-POS) - formerly Amerigroup of Tennessee Amerivantage Classic (HMO), Amerigroup of Tennessee Amerivantage Classic Plus (HMO-POS),  Amerigroup of Tennessee Amerivantage Plus (HMO), and Amerigroup of TennesseeAmerivantage Select Plus (HMO) - 3.5 star ★★★⋆ 
     

UNSPECIFIED STAR RATINGS

Aetna

  • Aetna Medicare Essential Plan (PPO)
  • Aetna Medicare Freedom Plan (PPO)
  • Aetna Medicare Plus Plan (PPO) 
  • Aetna Medicare Preferred Premium Plan (PPO) 
  • Aetna Medicare Select Plan (HMO)

Devoted Health Plans (effective September 1, 2024)

  • Devoted Choice Giveback Georgia (PPO)
  • Devoted Choice Georgia (PPO)
  • Devoted Liberty Choice Georgia (PPO)

Wellpoint (formerly Amerigroup of Tennessee) - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.

  • Wellpoint Full Dual Advantage (HMO D-SNP) - formerly Amerigroup of Tennessee Amerivantage Dual Coordination (HMO D-SNP) 
  • Wellpoint Full Dual Advantage Support (HMO D-SNP) - formerly Amerigroup of Tennessee Amerivantage Dual Premier (HMO D-SNP)

We accept all Medicare supplements that are secondary to traditional Medicare.

  • Amerigroup of Georgia (CHI Memorial Hospital Georgia is not participating with Amerigroup of Tennessee)
  • BlueCross BlueShield of Tennessee – BlueCare
  • BlueCross BlueShield of Tennessee – BlueCare Plus – Dual Special Needs Plan (DSNP)
  • Peach State - Georgia Families
  • Peach State - Peachcare for Kids
  • Peach State - Planning for Healthy Babies

CHI Memorial Medical Group

CHI Memorial Medical Group participates in the following insurance plans. If you do not see your insurance plan below, please contact us to verify as information is subject to change. Note: This listing is for reference only. Please contact your health plan or refer to your health plan’s online provider directory to verify CHI Memorial Medical Group’s participation for your health plan.

Narrow Network Products

  • Cigna Local Plus (CHI Memorial and Erlanger) - available to groups and individual subscribers
  • BCBST Network S (HCA Parkridge and Erlanger) - CHI Memorial is out of network effective July 1, 2024Network S patients have options to retain access to CHI Memorial hospitals and physicians

Other Insurance Plans Providing high-value CHI Memorial hospitals and physicians

  • Aetna
  • Alliant Health Plans
  • Ambetter TN/GA
  • BlueCross BlueShield Federal Employee Plan
  • BlueCross BlueShield of Tennessee (BCBST)
  • Network P
  • BlueCard (out of state)
  • CIGNA Open Access and Local Plus (not participating with CIGNA Connect/IFP)
  • HealthOne Alliance
  • Health Cost Solutions - Nissin Brake Georgia employees
  • Health Cost Solutions – Wellpath employees
  • Health Plans, Inc. - Armstrong Relocation and Companies, LLC employees
  • Healthscope (Whirlpool employees only)
  • Humana
  • Lucent Health - Athens Paper Company employees
  • Lucent Health - Novatech, Inc. employees
  • Lucent Health - VIAM Manufacturing, Inc. employees
  • Multiplan/PHCS
  • Tricare (excluding Humana Tricare Prime)
  • United Healthcare (excluding the Tennessee Individual Exchange Benefit plans (formerly Compass), Core plans and W500 Emergent Wrap Network plans)

Medicare Advantage members have the option to switch to a 5-star Medicare Advantage plan at any time except December 1 -7.  Learn more on the CMS website.  Download step by step instructions to find a plan on Medicare.gov


5-STAR PLANS

Humana

  • Humana USAA Honor (HMO) - 5 star ★★★★★
  • Humana Gold Plus H 4461-035 (HMO) - 5 star ★★★★★
  • Humana Gold Plus H4461-041 (HMO) - 5 star ★★★★★
  • Humana Gold Plus H4461-040 (HMO) - 5 star ★★★★★
  • Humana USAA Honor H4461-004 (HMO) - 5 star ★★★★★
  • Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP) - 5 star ★★★★★


4 - 4.5-STAR PLANS

BlueCross BlueShield of Tennessee

  • BlueAdvantage Freedom (PPO) - 4.5 star★★★★
  • BlueAdvantage Sapphire (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Extra (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Emerald (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Ruby (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Diamond (PPO) - 4.5 star ★★★★⋆

Cigna

  • Cigna Courage Medicare (HMO) - 4 star ★★★★
  • Cigna Preferred Medicare (HMO) - 4 star ★★★★
  • Cigna Preferred Savings Medicare (HMO) - 4 star ★★★★
  • Cigna Primary Medicare (HMO) - 4 star ★★★★
  • Cigna Premier Medicare (HMO-POS) - 4 star ★★★★

Humana

  • Humana USAA Honor (PPO) - 4.5 star ★★★★⋆
  • Humana Value Plus H5216-180 (PPO) - 4.5 star ★★★★⋆
  • HumanaChoice H5216-097 (PPO) - 4.5 star ★★★★⋆
  • Humana USAA Honor H5216-235 (PPO) - 4.5 star ★★★★⋆


3 - 3.5-STAR PLANS


Cigna

  • Cigna True Choice Medicare (PPO) - 3 star ★★★

Humana

  • HumanaChoice R7315-002 (Regional PPO) - 3.5 star ★★★⋆

Wellpoint (formerly Amerigroup of Tennessee) - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.

  • Wellpoint Extra Help (HMO) - formerly Amerigroup of Tennessee Amerivantage Balance (HMO) and Amerigroup of Tennessee Amerivantage Balance Plus (HMO)- 3.5 star ★★★⋆
  • Wellpoint Medicare Advantage (HMO-POS) - formerly Amerigroup of Tennessee Amerivantage Classic (HMO), Amerigroup of Tennessee Amerivantage Balance Plus (HMO), Amerigroup of Tennessee Amerivantage Plus (HMO), and Amerigroup of TennesseeAmerivantage Select Plus (HMO) - 3.5 star ★★★⋆


UNSPECIFIED STAR RATINGS

Wellpoint (formerly Amerigroup of Tennessee) - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.

  • Wellpoint Full Dual Advantage (HMO D-SNP) - formerly Amerigroup of Tennessee Amerivantage Dual Coordination (HMO D-SNP) 
  • Wellpoint Full Dual Advantage Support (HMO D-SNP) - formerly Amerigroup of Tennessee Amerivantage Dual Premier (HMO D-SNP)

We accept all Medicare supplements that are secondary to traditional Medicare.

  • Amerigroup of Georgia (Physicians are not participating with Amerigroup of Tennessee)
  • BlueCross BlueShield of Tennessee – BlueCare
  • BlueCross BlueShield of Tennessee – BlueCare Plus – Dual Special Needs Plan (DSNP)
  • Peach State - Georgia Families
  • Peach State - Peachcare for Kids
  • Peach State - Planning for Healthy Babies
  • United Health Care Community Plan
  • United Health Care Community Plan- CoverKids
  • United Healthcare Dual Complete HMO - Dual Special Needs Plan (D-SNP)
  • United Healthcare Dual Complete HMO POS - Dual Special Needs Plan (D-SNP)
  • United Healthcare Dual Complete One HMO - Dual Special Needs Plan (D-SNP)

The Chattanooga Heart Institute

The Chattanooga Heart Institute participates in the following insurance plans. If you do not see your insurance plan below, please contact us to verify as information is subject to change. Note: This listing is for reference only. Please contact your health plan or refer to your health plan’s online provider directory to verify The Chattanooga Heart Institute’s participation for your health plan.

Narrow Network Products

  • Cigna Local Plus (CHI Memorial and Erlanger) - available to groups and individual subscribers
  • BCBST Network S (HCA Parkridge and Erlanger) - CHI Memorial is out of network effective July 1, 2024Network S patients have options to retain access to CHI Memorial hospitals and physicians

Other Insurance Plans Providing high-value CHI Memorial hospitals and physicians

  • Aetna
  • Alliant Health Plans
  • Ambetter TN/GA
  • BlueCross BlueShield Federal Employee Plan
  • BlueCross BlueShield of Tennessee (BCBST)
  • Network P
  • BlueCard (out of state)
  • CIGNA Open Access and Local Plus (not participating with CIGNA Connect/IFP)
  • HealthOne Alliance
  • Health Cost Solutions - Nissin Brake Georgia employees
  • Health Cost Solutions – Wellpath employees
  • Health Plans, Inc. - Armstrong Relocation and Companies, LLC employees
  • Healthscope (Whirlpool employees only)
  • Humana
  • Lucent Health - Athens Paper Company employees
  • Lucent Health - Novatech, Inc. employees
  • Lucent Health - VIAM Manufacturing, Inc. employees
  • Multiplan/PHCS
  • Tricare 
  • United Healthcare (excluding the Tennessee Individual Exchange Benefit plans (formerly Compass), Core plans and W500 Emergent Wrap Network plans)

Medicare Advantage members have the option to switch to a 5-star Medicare Advantage plan at any time except December 1 -7.  Learn more on the CMS website.  Download step by step instructions to find a plan on Medicare.gov


5-STAR PLANS

Humana

  • Humana USAA Honor (HMO) - 5 star ★★★★★
  • Humana Gold Plus H 4461-035 (HMO) - 5 star ★★★★★
  • Humana Gold Plus H4461-041 (HMO) - 5 star ★★★★★
  • Humana Gold Plus H4461-040 (HMO) - 5 star ★★★★★
  • Humana USAA Honor H4461-004 (HMO) - 5 star ★★★★★
  • Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP) - 5 star ★★★★★


4 - 4.5-STAR PLANS

BlueCross BlueShield of Tennessee

  • BlueAdvantage Freedom (PPO) - 4.5 star★★★★
  • BlueAdvantage Sapphire (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Extra (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Emerald (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Ruby (PPO) - 4.5 star ★★★★⋆
  • BlueAdvantage Diamond (PPO) - 4.5 star ★★★★⋆

Cigna

  • Cigna Courage Medicare (HMO) - 4 star ★★★★
  • Cigna Preferred Medicare (HMO) - 4 star ★★★★
  • Cigna Preferred Savings Medicare (HMO) - 4 star ★★★★
  • Cigna Primary Medicare (HMO) - 4 star ★★★★
  • Cigna Premier Medicare (HMO-POS) - 4 star ★★★★

Humana

  • Humana USAA Honor (PPO) - 4.5 star ★★★★⋆
  • Humana Value Plus H5216-180 (PPO) - 4.5 star ★★★★⋆
  • HumanaChoice H5216-097 (PPO) - 4.5 star ★★★★⋆
  • Humana USAA Honor H5216-235 (PPO) - 4.5 star ★★★★⋆


3 - 3.5-STAR PLANS


Cigna

  • Cigna True Choice Medicare (PPO) - 3 star ★★★

Humana

  • HumanaChoice R7315-002 (Regional PPO) - 3.5 star ★★★⋆

Wellpoint (formerly Amerigroup of Tennessee) - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.

  • Wellpoint Extra Help (HMO) - formerly Amerigroup of Tennessee Amerivantage Balance (HMO) and Amerigroup of Tennessee Amerivantage Balance Plus (HMO)- 3.5 star ★★★⋆
  • Wellpoint Medicare Advantage (HMO-POS) - formerly Amerigroup of Tennessee Amerivantage Classic (HMO), Amerigroup of Tennessee Amerivantage Balance Plus (HMO), Amerigroup of Tennessee Amerivantage Plus (HMO), and Amerigroup of TennesseeAmerivantage Select Plus (HMO) - 3.5 star ★★★⋆


UNSPECIFIED STAR RATINGS

Wellpoint (formerly Amerigroup of Tennessee) - CHI Memorial’s contract with Wellpoint Medicare Advantage will terminate on January 15, 2025.

  • Wellpoint Full Dual Advantage (HMO D-SNP) - formerly Amerigroup of Tennessee Amerivantage Dual Coordination (HMO D-SNP) 
  • Wellpoint Full Dual Advantage Support (HMO D-SNP) - formerly Amerigroup of Tennessee Amerivantage Dual Premier (HMO D-SNP)

We accept all Medicare supplements that are secondary to traditional Medicare.

  • BlueCross BlueShield of Tennessee – BlueCare
  • BlueCross BlueShield of Tennessee – BlueCare Plus – Dual Special Needs Plan (DSNP)
  • Peach State - Georgia Families
  • Peach State - Peachcare for Kids
  • Peach State - Planning for Healthy Babies

CHI Memorial Remains In-network with BCBST for Network P, Medicare Advantage and Medicaid

CHI Memorial Support Plan for BlueCross BlueShield Network S Patients Expires Dec. 31