Medicare Advantage 101. Michael Taylor, PhD Medicare Advantage Branch Manager Centers for Medicare & Medicaid Services Atlanta Regional Office

Size: px
Start display at page:

Download "Medicare Advantage 101. Michael Taylor, PhD Medicare Advantage Branch Manager Centers for Medicare & Medicaid Services Atlanta Regional Office"

Transcription

1 Medicare Advantage 101 Michael Taylor, PhD Medicare Advantage Branch Manager Centers for Medicare & Medicaid Services Atlanta Regional Office

2 Objectives General Overview of Medicare Advantage CMS 5 Star Ratings Medicare Part C & D Audit Process Tips on Contracting with Medicare Advantage Plans Coping with Contract Terminations October 2013 Medicare Open Enrollment

3 Medicare Choices 1. Original Medicare May add Medigap (Medicare supplement insurance) May add Medicare prescription drug coverage 2. Medicare Advantage Plans With or without Medicare Prescription Drug Coverage 3. Other Medicare Health Plans Like Cost Plans, Medicare Medical Savings Accounts and Programs of All-Inclusive Care for the Elderly (PACE) Plans October Medicare Open Enrollment 2013

4 Part A Hospital Insurance Part B Medical Insurance Part C Medicare Advantage Plans Medicare has Four Parts Helps cover inpatient care in hospitals & skilled nursing facility, hospice, and home health care. Helps cover doctors services, outpatient care, home health care and some preventive services. Another way to get Medicare benefits. Includes Parts A & B. Usually includes prescription drug coverage. Run by private insurance companies approved by and under contract with Medicare. You have choices in how you get your Medicare health and drug coverage Part D Medicare Prescription Drug Coverage Helps cover the cost of prescription drugs. Run by private insurance companies approved by and under contract with Medicare. 4

5 What Are Medicare Advantage (MA) Plans? Health plan options approved by Medicare Run by private companies Part of the Medicare program Sometimes called Part C Available in many areas of the country Medicare pays a set amount to plan for your care 5

6 Medicare Advantage Eligibility Requirements You must live in plan s service area You must have Medicare Part A and Part B You must not have ESRD at time of enrollment Some exceptions 6

7 Types of Medicare Advantage Plans Health Maintenance Organization (HMO) Preferred Provider Organization (PPO) Regional Preferred Provider Organization (RPPO) Private Fee-for-Service (PFFS) Special Needs Plan (SNP) Medicare Medical Savings Account (MSA) 7

8 Other Plan Types 1876 Cost Plan Health Care Pre-payment Plan Medicare Demonstration Medicare-Medicaid Demonstration Plans Program of All-inclusive Care for the Elderly Qualified Health Plans October

9 How Medicare Advantage Plans Work You get Medicare-covered services through the plan All Part A and Part B covered services Some plan may provide additional benefits Most plans include prescription drug coverage Part D May have to go to network doctors or hospitals Different than in Original Medicare Benefits and cost-sharing 9

10 Medicare Advantage Plan Costs Must still pay Part B premium Some plans may pay all or part for you Some people may be eligible for state assistance You may pay additional monthly premium to plan You pay deductibles, coinsurance and copayments Different from Original Medicare Varies from plan to plan 10

11 Medicare Prescription Drug Coverage Available for all people with Medicare Provided through Medicare Prescription Drug Plans Medicare Advantage Plans Other Medicare plans 11

12 Who Can Join You must have Medicare Part A and/or Part B You must live in plan service area You must enroll in a Medicare Rx plan You can t live outside the U.S. or be incarcerated 12

13 Medicare Advantage Oversight Program APPLICATION REVIEW PROCESS MONITORING AND OVERSIGHT PROTOCOL PROGRAM AND COMPLIANCE AUDIT PROCESS 5 STAR PROGRAM LOW PERFORMING PLANS October

14 Application Review Request for a Medicare Advantage Organization contract Request to expand an existing Medicare Advantage Organization contract (service area) October

15 Monitoring and Oversight Allows CMS to work with MAOs to resolve problems before they escalate into a compliance or enforcement action. A day to day activity aimed at managing a MAO s contract. Use of various internal controls activities. Complaints Tracking Module Marketing Material Review Data Driven Analysis October

16 Program and Compliance Audits Audits are conducted routinely with Part C and D plans. Audits are conducted on an annual basis with the plans. The audits are based upon plan performance in the prior year. Audit review areas are pharmacy administration, OEV, and compliance. October

17 5-Star Special Enrollment Period Enroll one time any time during the year in a 5-Star Medicare Advantage Plan 5-Star Medicare Advantage with Prescription Drug Plan 5-Star Prescription Drug Plan Even if already in a 5-Star Plan New plan starts first of month after enrolled Star ratings on Plan Finder October 8 Updated yearly October

18 Low-Performing Medicare Plans Plans that receive a summary rating of less than 3-Stars for at least 3 years in a row Ratings are on Medicare Plan Finder Medicare & You doesn t have full, updated ratings Low-performing plans No online enrollment for low-performing plans No enrollment through MEDICARE Must contact plan directly to enroll Enrolled beneficiaries can call MEDICARE and ask to move to a higher quality plan October

19 Contracting with Medicare Advantage Orgs Provider Networks can change depending on contract terms between provider and MAO Understand the terms of your contract Members stay with MAOs during contract terminations October

20 Dealing with Contract Terminations MAOs can terminate contracts with providers dependent on contract terms and conditions. CMS collaborates with partners to communicate next steps to impacted Medicare beneficiaries. CMS works with State Insurance departments to close MAO. Impacted providers should work with State Insurance departments to receive payment for services rendered prior to termination. October

21 QUESTIONS AND THANK YOU October

Medicare Advantage Program. Michael Taylor, PhD Medicare Advantage Manager

Medicare Advantage Program. Michael Taylor, PhD Medicare Advantage Manager Medicare Advantage Program Michael Taylor, PhD Medicare Advantage Manager Objectives General Overview of Medicare Advantage CMS 5 Star Ratings Medicare Part C & D Audit Process Coping with Contract Terminations

More information

Medicare: Who, What, When, Where

Medicare: Who, What, When, Where Medicare: Who, What, When, Where 1. Who administers Medicare? The Centers for Medicare and Medicaid Services (CMS), a part of the Department of Health and Human Services (HHS), administers the Federal

More information

What s a Medicare Advantage Plan?

What s a Medicare Advantage Plan? Revised April 2015 What s a Medicare Advantage Plan? You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the

More information

Understanding your. Medicare options. Medicare Made Clear TM. Get Answers Series. Y0066_120629_084915 CMS Accepted

Understanding your. Medicare options. Medicare Made Clear TM. Get Answers Series. Y0066_120629_084915 CMS Accepted Understanding your Medicare options. Medicare Made Clear TM Get Answers Series Y0066_120629_084915 CMS Accepted learning about Medicare Choices. Eligibility Coverage options When to enroll Next steps and

More information

Introducing OneExchange.

Introducing OneExchange. RETIREE BENEFITS Introducing OneExchange. OneExchange provides you with plan advice and enrollment assistance to choose Medicare supplemental healthcare and prescription drug coverage that s right for

More information

MEDICARE ADVANTAGE HEALTH PLAN OPTIONS

MEDICARE ADVANTAGE HEALTH PLAN OPTIONS MODULE 5: MEDICARE ADVANTAGE HEALTH PLAN OPTIONS Objectives Below are the topics covered in Module 5, Medicare Advantage (MA) Health Plan Options. This module will help to ensure that HIICAP counselors

More information

Welcome to Medicare! Module 1A

Welcome to Medicare! Module 1A Welcome to Medicare! Module 1A Welcome to Medicare Introduction to Medicare Original Medicare Plan Medicare Supplement Insurance (Medigap) Medicare Advantage and other Medicare plans Medicare prescription

More information

CONTENTS. o o o o o o o o o o o o

CONTENTS. o o o o o o o o o o o o CONTENTS o o o o o o o o o o o o What Are Medicare Advantage (MA) Plans? Who Can Join and When? MA Trial Right Special Election Period How MA Plans Work MA Costs Types of Medicare Advantage Plans Rights

More information

Napa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program)

Napa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program) 2015 Napa County Medicare Advantage Plans (Medicare Part C Plans) HICAP Volunteer Counselors are available to help compare health plans in an objective and unbiased manner. They can help consumers understand

More information

It s Time for Medicare

It s Time for Medicare It s Time for Medicare med-waageinbook-1214 Medicare What you need to know. You re turning 65. Or you re already 65 and getting ready to retire and lose your healthcare coverage. You re almost ready for

More information

MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE

MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE AGENDA What is original Medicare? The A, B, C, and D s of Medicare Enrollment periods Medicare Advantage star rating system Where you can find

More information

Medicare has four components, Part A, Part B Part C and Part D:

Medicare has four components, Part A, Part B Part C and Part D: Medicare What is Medicare? Medicare is a National Health Insurance Program for people 65 years of age and older Certain persons with disabilities under the age of 65 People with end stage renal disease

More information

Understanding Medicare Part C & D Enrollment Periods

Understanding Medicare Part C & D Enrollment Periods TIP SHEET Understanding Medicare Part C & D Enrollment Periods Revised August 2014 Enrollment in Medicare is limited to certain times. You can t always sign up when you want, so it s important to know

More information

Understanding Medicare Part C & D Enrollment Periods Revised October 2012

Understanding Medicare Part C & D Enrollment Periods Revised October 2012 TIP SHEET Understanding Medicare Part C & D Enrollment Periods Revised October 2012 It s important to know when you can enroll in the different parts of Medicare. This tip sheet is designed to help you

More information

What is a Medicare Advantage Plan?

What is a Medicare Advantage Plan? CENTERS FOR MEDICARE & MEDICAID SERVICES What is a Medicare Advantage Plan? A Medicare Advantage Plan (like an HMO or PPO) is a way to get your Medicare benefits. Unlike Original Medicare, in which the

More information

Solutions for Today Flexibility for Tomorrow.

Solutions for Today Flexibility for Tomorrow. Solutions for Today Flexibility for Tomorrow. Medicare Products and Services For More Information call our Senior Care Specialist, Raun Lynch at 856.380.5079 Or visit us on the web at www.cbdi-inc.com

More information

What s Medicare? What are the different parts of Medicare?

What s Medicare? What are the different parts of Medicare? Revised June 2014 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney

More information

Choosing a Medicare advantage Plan

Choosing a Medicare advantage Plan Choosing a Medicare advantage Plan Medicare Made Clear TM Get Answers Series Look inside to: understand Medicare advantage (Part C) plans find out about cost sharing learn how to enroll Y0066_140417_151113

More information

MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente

MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente Sylvia Weathers Service Consultant Keenan & Associates Nancy C. Voltero Retiree Programs Consultant Kaiser Permanente License

More information

Getting Started with Medicare Beginning Medicare Training

Getting Started with Medicare Beginning Medicare Training Getting Started with Medicare Beginning Medicare Training This Medicare Counselor Training program was developed under a grant from UnitedHealthcare through a joint project with the National Association

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 Upper Peninsula Health Plan Advantage (HMO) offered by Upper Peninsula Health Plan, LLC Annual Notice of Changes for 2016 You are currently enrolled as a member of Upper Peninsula Health Plan Advantage

More information

Massachusetts Bulletin for People with Medicare January 2016

Massachusetts Bulletin for People with Medicare January 2016 The Commonwealth of Massachusetts Executive Office of Elder Affairs One Ashburton Place, 5th Floor Boston, Massachusetts 02108 CHARLES D. BAKER Governor KARYN E. POLITO Lieutenant Governor Tel: (617) 727-7750

More information

Welcome! Medicare Advantage. Elderplan Advantage Institutional Special Needs Plan

Welcome! Medicare Advantage. Elderplan Advantage Institutional Special Needs Plan Elderplan Advantage Institutional Special Needs Plan 1 Welcome! Goals for today: To give you an overview of Medicare Advantage Works To give you a sense of the role of ISNP in an SNF To provide a description

More information

Medicare 101 Guide Your Guide to Medicare Basics

Medicare 101 Guide Your Guide to Medicare Basics Medicare 101 Guide Your Guide to Medicare Basics Y0013_16_MEDGUI Accepted 11232015 bcbstmedicare.com Get More from Your Medicare This guide helps you understand how Medicare s different parts work and

More information

Making the most of Medicare

Making the most of Medicare Making the most of Medicare S5743_102714_K04_RE Internal Approval 10/27/2014 Today s Topics What is Medicare Who s eligible Medicare coverage Options to fill coverage gaps When you can enroll Finding the

More information

How do Medicare Advantage Plans work?

How do Medicare Advantage Plans work? 74 Section 5 Get Information about Your Medicare Health Coverage Choices How do Medicare Advantage Plans work? Can I get my health care from any doctor, other health care provider, or hospital? Are prescription

More information

In general, Medicare Part A covers Hospital Care, Skilled Nursing Facility Care, Hospice and Home Health Services.

In general, Medicare Part A covers Hospital Care, Skilled Nursing Facility Care, Hospice and Home Health Services. CSB-9-0051-MS101 MEDICARE PART A In general, Medicare Part A covers Hospital Care, Skilled Nursing Facility Care, Hospice and Home Health Services. $1,260 Deductible Hospital Inpatient Days 1-60: $0 coinsurance

More information

John R. Kasich, Governor Mary Taylor, Lt. Governor/Director. Medicare Supplement Vs. Medicare Advantage

John R. Kasich, Governor Mary Taylor, Lt. Governor/Director. Medicare Supplement Vs. Medicare Advantage John R. Kasich, Governor Mary Taylor, Lt. Governor/Director Medicare Supplement Vs. Medicare Advantage Medicare Supplement vs Medicare Advantage? Option 1 Option 2 Original Medicare Part A and Part B +

More information

About to Retire: Preparing for Medicare Patient Financial Services Agenda Medicare Enrollment Covered Services Medicare-covered covered Preventive Services Agenda, continued Advance Beneficiary Notice

More information

Health Matters. A Guide for Medicare-Eligible Health Care Options. Important health plan information enclosed.

Health Matters. A Guide for Medicare-Eligible Health Care Options. Important health plan information enclosed. Health Matters A Guide for Medicare-Eligible Health Care Options Important health plan information enclosed. Why am I receiving this booklet? Through Lockton Select Marketplace, we are able to offer a

More information

Choosing a Medigap Policy:

Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2010 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:

More information

Medicare Advantage Plans and Medicare Cost Plans: How to File a Complaint (Grievance or Appeal)

Medicare Advantage Plans and Medicare Cost Plans: How to File a Complaint (Grievance or Appeal) CENTERS FOR MEDICARE & MEDICAID SERVICES Medicare Advantage Plans and Medicare Cost Plans: How to File a Complaint (Grievance or Appeal) Medicare Advantage Plans (like an HMO or PPO) and Medicare Cost

More information

I wanted to understand the Medicare program basics. This presentation really helped.

I wanted to understand the Medicare program basics. This presentation really helped. Welcome to Medicare 101! I wanted to understand the Medicare program basics. This presentation really helped. What is Medicare? What benefits does Medicare cover? What benefits doesn t Medicare cover?

More information

Understanding Medicare and How It Works

Understanding Medicare and How It Works Understanding Medicare and How It Works Get the facts about your Medicare insurance options 1 What Is Medicare? 2 Medicare is a health insurance program for people 65 or older or under 65 and with certain

More information

What Federal Employees Need to Know About Their Health Insurance and Medicare

What Federal Employees Need to Know About Their Health Insurance and Medicare What Federal Employees Need to Know About Their Health Insurance and Medicare Federal employees have been paying the Medicare Part A (hospital insurance) payroll tax since Jan. 1, 1983. That means all

More information

The Pennsylvania Insurance Department s. Your Guide to Choosing a MEDIGAP POLICY. Understanding Medigap

The Pennsylvania Insurance Department s. Your Guide to Choosing a MEDIGAP POLICY. Understanding Medigap Your Guide to Choosing a MEDIGAP POLICY Understanding Medigap Medigap is private health insurance designed to help pay healthcare costs that aren t covered by Medicare. Each Medigap plan covers different

More information

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2009 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:

More information

What s Medicare? What are the different parts of Medicare?

What s Medicare? What are the different parts of Medicare? Revised June 2015 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney

More information

UPMC for Life HMO Deductible with Rx (HMO) offered by UPMC Health Plan

UPMC for Life HMO Deductible with Rx (HMO) offered by UPMC Health Plan UPMC for Life HMO Deductible with Rx (HMO) offered by UPMC Health Plan Annual Notice of Changes for 2016 You are currently enrolled as a member of UPMC for Life HMO Deductible with Rx. Next year, there

More information

Medicare 2014. Medicare 101 Agenda

Medicare 2014. Medicare 101 Agenda Medicare 2014 What s Important in 2014 Medicare 101 Agenda What is Medicare? How do I enroll? When can I sign up? What if I am still working? What does Medicare cost? Let s talk about Medicare Coverage

More information

Are You a Hospital Inpatient or Outpatient? If You Have Medicare Ask!

Are You a Hospital Inpatient or Outpatient? If You Have Medicare Ask! CENTERS FOR MEDICARE & MEDICAID SERVICES Are You a Hospital Inpatient or Outpatient? If You Have Medicare Ask! Did you know that even if you stay in the hospital overnight, you might still be considered

More information

Welcome to Kaiser Permanente

Welcome to Kaiser Permanente Welcome to Kaiser Permanente Presenting Medicare 101 and Kaiser Permanente Senior Advantage (HMO) Fresno Unified School District Yolanda Smith Retiree Consultant September 2014 Basics of Medicare What

More information

SHICK Senior Health Insurance Counseling For Kansas. Medicare Options

SHICK Senior Health Insurance Counseling For Kansas. Medicare Options SHICK Senior Health Insurance Counseling For Kansas Medicare Options What is Medicare? Federal health insurance that covers some medical costs if you: Are age 65 or over Are under age 65 with some disabilities

More information

Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed.

Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed. Health Matters A Guide for Medicare-Eligible Healthcare Options Important health plan information enclosed. Why am I receiving this booklet? Brookhaven Science Associates (BSA) has decided to offer SelectQuote

More information

Agenda. Medicare Basics Parts of Medicare What is a Medicare Advantage Plan? How do Medicare Advantage Plans work?

Agenda. Medicare Basics Parts of Medicare What is a Medicare Advantage Plan? How do Medicare Advantage Plans work? Agenda Medicare Basics Parts of Medicare What is a Medicare Advantage Plan? How do Medicare Advantage Plans work? Cost sharing, networks and eligibility MCHCP and Medicare Advantage Advantage? What is

More information

GAO MEDICARE ADVANTAGE. Relationship between Benefit Package Designs and Plans Average Beneficiary Health Status. Report to Congressional Requesters

GAO MEDICARE ADVANTAGE. Relationship between Benefit Package Designs and Plans Average Beneficiary Health Status. Report to Congressional Requesters GAO United States Government Accountability Office Report to Congressional Requesters April 2010 MEDICARE ADVANTAGE Relationship between Benefit Package Designs and Plans Average Beneficiary Health Status

More information

What is Medicare? The Different Parts of Medicare

What is Medicare? The Different Parts of Medicare Medicare and You The Different Parts of Medicare A Medicare Part A Hospital Insurance Inpatient care at hospitals, skilled nursing facility*, hospice and home health care. What is Medicare? Medicare is

More information

Faculty Alabama State Health Insurance Assistance Program and Medicare 101

Faculty Alabama State Health Insurance Assistance Program and Medicare 101 Faculty Alabama State Health Insurance Assistance Program and Medicare 101 Susan Segrest Community Based Services Division Chief Central Alabama Aging Consortium A Training on Basic Medicare and the Alabama

More information

ANNUAL NOTICE OF CHANGES FOR 2016

ANNUAL NOTICE OF CHANGES FOR 2016 Cigna-HealthSpring Preferred Plus (HMO) offered by Cigna-HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna-HealthSpring Preferred Plus (HMO). Next year, there

More information

Medicare Supplement (Medigap) Coverage for Medicare Beneficiaries

Medicare Supplement (Medigap) Coverage for Medicare Beneficiaries Medicare Supplement (Medigap) Coverage for Medicare Beneficiaries Brian Webb Manager, Health and Life Policy Nat l Assoc. of Insurance Commissioners February 6, 2009 Original Medicare Created in 1965,

More information

Medicare Part D Prescription Drug Coverage

Medicare Part D Prescription Drug Coverage Medicare Part D Prescription Drug Coverage GENERAL INFORMATION Coverage Medicare Part D coverage is available to everyone enrolled in Medicare Drug plans are offered by insurance companies and other private

More information

Medicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D),

Medicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D), Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether

More information

Annual Notice of Changes

Annual Notice of Changes SM An Independent Licensee of the Blue Cross and Blue Shield Association CAPITAL HEALTH PLAN PREFERRED ADVANTAGE (HMO) 2016 Annual Notice of Changes H5938_DP 945 CMS Accepted 08272015 Capital Health Plan

More information

The A, B, C & D s of Medicare GeorgiaCares

The A, B, C & D s of Medicare GeorgiaCares The A, B, C & D s of Medicare GeorgiaCares Atlanta Regional Commission, Area Agency on Aging Applying for Medicare Initial Enrollment Period Apply 3 months before age 65, the month of 65 th birthday, or

More information

Medicare Hospice Benefits

Medicare Hospice Benefits CENTERS FOR MEDICARE & MEDICAID SERVICES Medicare Hospice Benefits This official government booklet includes information about Medicare hospice benefits: Who is eligible for hospice care What services

More information

UPDATED: NOVEMBER 2009 344.1 RESOURCES THIRD PARTY RESOURCES

UPDATED: NOVEMBER 2009 344.1 RESOURCES THIRD PARTY RESOURCES UPDATED: NOVEMBER 2009 344.1 NOTE: Enrollment in Medicare is a condition of eligibility for Medicaid. Beginning in 2006, persons entitled to Part A and/or enrolled in Part B are eligible for the prescription

More information

The Federal Employees Health Benefits Program and Medicare

The Federal Employees Health Benefits Program and Medicare The Federal Employees Health Benefits Program and Medicare This booklet answers questions about how the Federal Employees Health Benefits (FEHB) Program and Medicare work together to provide health benefits

More information

Medicare Factsheet. September 2, 2015 Page 1 of 6

Medicare Factsheet. September 2, 2015 Page 1 of 6 Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether

More information

Summary of Benefits. (PDP), Blue MedicareRx Plus SM. (PDP) and Blue MedicareRx Premier SM

Summary of Benefits. (PDP), Blue MedicareRx Plus SM. (PDP) and Blue MedicareRx Premier SM Summary of Benefits for SM, Plus SM and Premier SM Available in Maine and New Hampshire A -approved Part D sponsor. Anthem Insurance Companies, Inc. (AICI) is the legal entity who has contracted with the

More information

MENDOCINO COUNTY 2010 HEALTH CARE BENEFITS FOR MEDICARE-ELIGIBLE RETIREES AND DEPENDENTS Questions and Answers

MENDOCINO COUNTY 2010 HEALTH CARE BENEFITS FOR MEDICARE-ELIGIBLE RETIREES AND DEPENDENTS Questions and Answers MENDOCINO COUNTY 2010 HEALTH CARE BENEFITS FOR MEDICARE-ELIGIBLE RETIREES AND DEPENDENTS Questions and Answers Q. Why the change? A. Anticipated exhaustion of the retiree health reserves by the end of

More information

Your Medicare Matters. Protect It!

Your Medicare Matters. Protect It! Your Medicare Matters. Protect It! Steps to Safeguard Your Medicare brought to you in partnership by Health Insurance Counseling and Advocacy Program (HICAP) California Department of Aging California Senior

More information

Guide to Medicare MEDICARE BASICS. Presented by

Guide to Medicare MEDICARE BASICS. Presented by Guide to Medicare MEDICARE BASICS Presented by 14 Medicare Basics What Is Medicare? Medicare is health insurance for the following: People 65 or older People under 65 with certain disabilities People of

More information

Health Coverage with More Choices

Health Coverage with More Choices Health Coverage with More Choices Get ready for a different approach to health coverage with flexibility to choose a plan that fits your needs. This brochure explains the health coverage for Medicare-eligible

More information

Medicare Advantage Plans. On the Medicare.gov Plan Finder

Medicare Advantage Plans. On the Medicare.gov Plan Finder Medicare Advantage Plans On the Medicare.gov Plan Finder Important Considerations: 2 Before you enroll, REVIEW YOUR MEDICARE CHOICES!! (If you are certain you want a Medicare Advantage Plan, skip to page

More information

STEPPING INTO MEDICARE. Invaluable help from the name you know and trust Blue Cross and Blue Shield of Illinois

STEPPING INTO MEDICARE. Invaluable help from the name you know and trust Blue Cross and Blue Shield of Illinois STEPPING INTO MEDICARE Invaluable help from the name you know and trust Blue Cross and Blue Shield of Illinois Blue Cross and Blue Shield of Illinois offers a great array of plans that pick up where Medicare

More information

Overview of Health Insurance Options for Medicare-Eligible Members

Overview of Health Insurance Options for Medicare-Eligible Members Overview of Health Insurance Options for Medicare-Eligible Members The following pages offer general descriptions of the types of plans offered to CTPF retirees who are eligible for and maintain active

More information

Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions

Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions Table of Contents What is Medicare?... 3 What are the different parts of Medicare?... 4 What does Medicare help cover Part A?...

More information

2015 National Training Program

2015 National Training Program 2015 National Training Program Module 11 Medicare Advantage and Other Medicare Health Plans Session Objectives This session should help you to Define Medicare Advantage (MA) Plans Describe how MA Plans

More information

How Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015

How Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 How Medicare Works Helping you make the most of Medicare 2016 MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 About Medicare Whether you re new to Medicare or want a refresher,

More information

Medicare Basics and Medicare Advantage

Medicare Basics and Medicare Advantage Medicare Basics and Medicare Advantage Medicare The federal health insurance program for people age 65 and over, some disabled people under 65 years of age, and people with End-Stage Renal Disease (permanent

More information

For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes:

For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes: 1. What are the basic benefits on a Medicare Supplement Policy? For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes: a.) First 3 Pints

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Coventry Advantage (no drug) (HMO) offered by Coventry Health Care of Missouri, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of Coventry Advantage (no drug) (HMO). Next

More information

You have from October 15 until December 7, to make changes to your Medicare coverage for next year.

You have from October 15 until December 7, to make changes to your Medicare coverage for next year. UPMC for Life HMO (HMO) offered by UPMC Health Plan Annual Notice of Changes for 2015 You are currently enrolled as a member of UPMC for Life HMO. Next year, there will be some changes to the plan s costs

More information

Coverage Basics. Your Guide to Understanding Medicare and Medicaid

Coverage Basics. Your Guide to Understanding Medicare and Medicaid Coverage Basics Your Guide to Understanding Medicare and Medicaid Understanding your Medicare or Medicaid coverage can be one of the most challenging and sometimes confusing aspects of planning your stay

More information

ANNUAL NOTICE OF CHANGES FOR 2016

ANNUAL NOTICE OF CHANGES FOR 2016 Cigna-HealthSpring Preferred (HMO) offered by Cigna-HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna-HealthSpring Preferred (HMO). Next year, there will be

More information

Private Fee-For-Service ----- Beneficiary Questions and Answers

Private Fee-For-Service ----- Beneficiary Questions and Answers Private Fee-For-Service ----- Beneficiary Questions and Answers 1. What Is a Private Fee-For-Service Plan? A Private Fee-For-Service plan is a Medicare Advantage health plan offered by a private insurance

More information

Medicare Made Simple

Medicare Made Simple Medicare Made Simple 877-413-1556 Who are we? MedicareMall is the nation s premier enrollment center for Medicare Supplement Plans, Medicare Part D (prescription drug plans,) and Vision & Hearing Insurance

More information

Are You a Hospital Inpatient or Outpatient?

Are You a Hospital Inpatient or Outpatient? Are You a Hospital Inpatient or Outpatient? If You Have Medicare Ask! Revised May 2014 Did you know that even if you stay in a hospital overnight, you might still be considered an outpatient? Your hospital

More information

Essentials Rx 15 (HMO) Plan offered by PacificSource Medicare. Annual Notice of Changes for 2014

Essentials Rx 15 (HMO) Plan offered by PacificSource Medicare. Annual Notice of Changes for 2014 Essentials Rx 15 (HMO) Plan offered by PacificSource Medicare Annual Notice of Changes for 2014 You are currently enrolled as a member of Essentials Rx 15 (HMO) Plan. Next year, there will be some changes

More information

MEDICARE BASICS. Eligibility: Disabled, or Age 65

MEDICARE BASICS. Eligibility: Disabled, or Age 65 MEDICARE BASICS Eligibility: Disabled, or Age 65 Coverage: Part A Hospital Insurance o Hospital stays o Skilled Nursing Facility stays (limited coverage) Part B Medical Insurance o Outpatient and diagnostic

More information

FACT SHEET Medicare Advantage (Part C): An Overview (C-001) p. 1 of 5

FACT SHEET Medicare Advantage (Part C): An Overview (C-001) p. 1 of 5 FACT SHEET Medicare Advantage (Part C): An Overview (C-001) p. 1 of 5 Medicare Advantage (Part C): An Overview Medicare Advantage is also known as Medicare Part C. A Medicare Advantage (MA) plan is an

More information

Safeguard Your Medicare by Understanding Medicare Advantage Plans. The Medicare Fraud Program. with the Colorado Division of Insurance

Safeguard Your Medicare by Understanding Medicare Advantage Plans. The Medicare Fraud Program. with the Colorado Division of Insurance Safeguard Your Medicare by Understanding Medicare Advantage Plans The Medicare Fraud Program with the Colorado Division of Insurance Dear Medicare Beneficiary: We know how important Medicare is to you

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook Learn Protect Assess Enroll Your complimentary Medicare Guidebook About this Guidebook If you or someone you care for is new to Medicare or will be soon, this Guidebook will help make Medicare easier to

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook Learn Protect Assess Enroll Your complimentary Medicare Guidebook Learn Original Medicare... 4 Medicare Prescription Drug Coverage.............. 6 Medicare Supplement Insurance... 8 Medicare Advantage...

More information

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15 Medicare What you need to know Choose the plan that s right for you GNHH2ZTHH_15 Choosing a Medicare plan is a lot like buying a car. There are lots of options to consider. And what s right for you may

More information

Medicare Advantage Plans

Medicare Advantage Plans Searching for Medicare Advantage Plans On the Medicare.gov Plan Finder 300 S. Adams Street, Green Bay, WI 920 448 4300 TTY: 920 448 4335 www.adrcofbrowncounty.org Page 2 of 9 Important Considerations:

More information

Once you have an understanding of your health needs, you need to understand your Medicare options so you can decide which one best suits your needs.

Once you have an understanding of your health needs, you need to understand your Medicare options so you can decide which one best suits your needs. Medicare Options It is important for you to think about your particular health care needs. Do you have a doctor you prefer to see? Do you have a condition that requires frequent doctor visits? How many

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Prescription Blue SM PDP, Option B, offered by Blue Cross Blue Shield of Michigan Annual Notice of Changes for 2015 You are currently enrolled as a member of Prescription Blue Option B. Next year, there

More information

MEDICARE Medigap-PFFS-Long-Term Care Insurance

MEDICARE Medigap-PFFS-Long-Term Care Insurance MEDICARE Medigap-PFFS-Long-Term Care Insurance Medicare is a health insurance program for persons age 65 and older, people who have received Social Security Disability benefits for 24 consecutive months,

More information

2007 Choosing a Medigap Policy:

2007 Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2007 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This is the official government guide with important information about what

More information

Medicare At A Glance. State Health Insurance Assistance Program (SHIP)

Medicare At A Glance. State Health Insurance Assistance Program (SHIP) 2015 Medicare At A Glance Indiana 2015 State Health Insurance Assistance Program (SHIP) Who runs the Medicare Program? The Centers for Medicare & Medicaid Services (CMS) is the Federal agency that runs

More information

Chapter 5. Medicare Parts A, B, C, and D

Chapter 5. Medicare Parts A, B, C, and D INTRODUCTION In this chapter we will discuss the federal Medicare program. Enacted in 1965, the Medicare program is Title XVIII of the Social Security Act. Medicare is a federal health program that provides

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 True Blue Rx Option Il (HMO) offered by Blue Cross of Idaho Health Service, Inc. (Blue Cross of Idaho) Annual Notice of Changes for 2014 You are currently enrolled as a member of True Blue Rx Option Il

More information

2006 Choosing a Medigap Policy:

2006 Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2006 Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare This official government guide can help you Learn what a Medigap (Medicare

More information

Helping you make the right Medicare decisions. Use. Choose. your benefits effectively. your health. care plan. Improve. and manage.

Helping you make the right Medicare decisions. Use. Choose. your benefits effectively. your health. care plan. Improve. and manage. Helping you make the right Medicare decisions Choose your health care plan Use your benefits effectively Improve and manage your health Your Guide to Selecting Medicare Coverage for 2015 What s Inside

More information

Understanding Medicare

Understanding Medicare Understanding Medicare When you think about income streams in retirement, Medicare may not initially come to mind. But it is an important part of most retirees "golden years." Medicare covers many health

More information

ANNUAL NOTICE OF CHANGES FOR 2016

ANNUAL NOTICE OF CHANGES FOR 2016 Cigna-HealthSpring Traditions (HMO SNP) offered by Cigna-HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna-HealthSpring Traditions (HMO SNP). Next year, there

More information

You have from October 15 until December 7, to make changes to your Medicare coverage for next year.

You have from October 15 until December 7, to make changes to your Medicare coverage for next year. UPMC for Life HMO (HMO) offered by UPMC Health Plan Annual Notice of Changes for 2016 You are currently enrolled as a member of UPMC for Life HMO. Next year, there will be some changes to the plan s costs

More information

Geneva Association 10th Health and Aging Conference Insuring the Health of an Aging Population

Geneva Association 10th Health and Aging Conference Insuring the Health of an Aging Population Geneva Association 10th Health and Aging Conference Insuring the Health of an Aging Population November 18, 2013 Diana Dennett EVP, Global Issues and Counsel America s Health Insurance Plans (AHIP) America

More information

Paramount Elite Standard Medical and Drug (HMO) offered by Paramount Care, Inc.

Paramount Elite Standard Medical and Drug (HMO) offered by Paramount Care, Inc. Paramount Elite Standard Medical and Drug (HMO) offered by Paramount Care, Inc. Annual Notice of Changes for 2016 You are currently enrolled as a member of Paramount Elite Standard Medical and Drug (HMO).

More information