Nova Scotia Pharmacare Programs
|
|
|
- Laureen Butler
- 7 years ago
- Views:
Transcription
1 Nova Scotia Pharmacare Programs The Nova Scotia Seniors Pharmacare Program Effective April 2013 The information in this booklet is subject to change and does not replace the Health Services and Insurance Act.
2 The Nova Scotia Seniors Pharmacare Program The Program The Nova Scotia Seniors Pharmacare Program is a provincial drug insurance plan that helps seniors, who qualify for the Program, with the cost of their prescription drugs. Medavie Blue Cross is under contract with the Nova Scotia Department of Health and Wellness to administer the daily operations of the Nova Scotia Pharmacare Programs. What Is Covered? Pharmacare pays for certain prescribed drugs, supplies and related services dispensed by pharmacies in Nova Scotia. Drugs and supplies covered by the Program are listed in the Nova Scotia Formulary. A committee of pharmacists and physicians reviews evidence-based research, which is used to determine the drugs that are included as benefits under the Program. Before prescribing certain drugs, the medical professional prescribing will need to obtain special approval from Pharmacare. Our customer service representatives, your prescriber and pharmacist can answer questions about this process. You can also get information on our website: www. nspharmacare.ca. Who Is Eligible? You are eligible to join the Program if you: are a permanent resident of Nova Scotia; have a valid Nova Scotia Health Card; and are at least 65 years old. You are not eligible to join the Program if you: have coverage through Veterans Affairs Canada; have coverage through Non-insured Health Benefits; Have coverage through Nova Scotia Family Pharmacare; or have any other public or private plan that covers most of your medications and supplies after your 65 th birthday. What If I Have Private Or Other Public Drug Coverage? If you have private or other public drug coverage, you cannot join the Seniors Pharmacare Program. However, if your coverage ends for any reason, you can join the Seniors Pharmacare Program. To be sure you are not charged a late penalty you must show that you had other drug coverage after your 65th birthday. You must apply for the Seniors Pharmacare Program within 90 days of your private plan ending to avoid the late entry penalty. To learn more about what you need in this situation, please call or Toll Free
3 Four Important Things to Know If You Have Private Insurance 1. If you have private drug coverage, check with your private drug plan to see if your coverage is continued after your 65th birthday and whether or not the coverage is reduced in any way. 2. If you have other drug insurance after your 65th birthday and the copayments you paid under that insurance plan add up to more than what you would have paid had you been enrolled in the Seniors Pharmacare Program, you can apply to the Seniors Pharmacare Program to have the difference reimbursed. 3. If your claims are submitted electronically by your pharmacy to your private insurer, you may send either your official prescription receipt or medical expense report from the pharmacy. If your claims are submitted manually to your private insurer, we require a duplicate official prescription receipt and an explanation of benefits from your private insurer. Submissions should clearly indicate 1) the total cost of the prescription; 2) the amount paid by your private insurer and 3) the amount you have paid out of pocket. 4. If your private insurance ends you may join Seniors Pharmacare. To avoid a late entry penalty you must: 1) apply for Seniors Pharmacare within 90 days of the day your private insurance ends 2) provide a letter from your private insurer indicating the date your private coverage ended. What If I Am A New Resident to Nova Scotia? If you have just moved to Nova Scotia, you must first apply for and receive a Nova Scotia Health Card before you can register with the Nova Scotia Seniors Pharmacare Program. You must apply for the Senior s Pharmacare Program within 90 days of receiving your Nova Scotia Health Card to avoid the late entry penalty. What Does The Program Cost Me? Seniors contribute to the Seniors Pharmacare Program in two ways by paying a premium and by paying a copayment. Both have an annual maximum. The premium is the fee you must pay each year to join the Seniors Pharmacare Program. Some seniors may have their premium reduced or may not have to pay one at all depending on their income level or whether they receive the Guaranteed Income Supplement (GIS). The copayment is the percentage of the prescription cost that you must pay each time you have a prescription filled at the pharmacy. How Much Premium Do I Have To Pay? When you sign up for the Seniors Pharmacare Program, your premium is calculated based on your income and the number of months remaining in the program year (April 1 March 31). The maximum annual premium a senior would pay is currently $424. If you receive the Guaranteed Income Supplement (GIS) you still have to pay the copayment, but you do not have to pay a premium unless you have an outstanding balance from the previous year. Pharmacare will confirm with Service Canada that you receive the Guaranteed Income Supplement. In some cases you may have to contact GIS to obtain confirmation that you receive GIS. Pharmacare will advise you if you have to contact GIS for the confirmation. 3
4 Income Levels: Single Seniors: If your annual income is below $18,000 you may not have to pay a premium. If your annual income is between $18,000 and $24,000, you may be able to pay a reduced premium. Married Seniors: If your joint annual income is below $21,000 you may not have to pay a premium. If your joint annual income is between $21,000 and $28,000, you may be able to pay a reduced premium. NOTE: All seniors must pay a copayment, even when the premium is reduced. How Much Copayment Do I Have To Pay? The copayment you must pay is 30 percent of the total cost of each prescription. For example, if the total cost of your prescription is $50, you must pay 30 percent, which would be $15. Currently the maximum annual copayment is $382. When you have paid the annual maximum copayment, Pharmacare will pay the approved cost of your medications that are covered under the Seniors Pharmacare Program until the end of the program year, which is March 31st. You can contact the Pharmacare office to get your copayment balance at any time. Sometimes, you may have to pay more than the annual maximum copayment. This could happen when: you want the brand name drug, which is more expensive than the generic; or the prescribed drug or supply costs more than the maximum amount the Seniors Pharmacare Program will pay; or the prescribed drug is not covered by the Seniors Pharmacare Program. Please note the extra money you may pay for these prescriptions does not count towards reaching your annual maximum copayment. If you find yourself in one of these situations, you may want to talk to the medical professional who prescribed the medication or to your pharmacist. They may be able to recommend a comparable medication that is covered by the Seniors Pharmacare Program. How Does The Program Work? When you enrol, your Seniors Pharmacare coverage starts on the first day of the month in which you turn age 65. Your Nova Scotia Health Card is also your Pharmacare Card. When you take your prescriptions to the pharmacy, you must show your Nova Scotia Health Card. The portion of the cost of the prescription covered by the Seniors Pharmacare Program is billed directly to the Program. You will be required to pay only the copayment portion when you receive your prescription. How Do I Sign Up? If you live in Nova Scotia and have a Nova Scotia Health Card, you will receive a Seniors Pharmacare Program information package two to three months before your 65 th birthday. If you decide to join the program, you must return the completed application form within 90 days of the first day of the month in which you turned age 65. For example: If your birthday is January 19, your completed forms must be returned by April 1. What If I Don t Apply When I Am Eligible? If you do not apply for Seniors Pharmacare Program coverage within 90 days of the first day of the month in which you were eligible, or if you decide to leave the program for any reason and decide to rejoin later, you may have to pay a late entry penalty. 4
5 What Is The Late Entry Penalty? The late entry penalty means: you must wait 90 days for your coverage to start once you are accepted into the Seniors Pharmacare Program; and you must pay one-and-a-half times the premium for your coverage for five years. Annual Registration Renewal You must renew your Seniors Pharmacare Program coverage by April 1st of each year. In February or March, you will receive an information package from the Seniors Pharmacare Program with information about renewing your coverage for the upcoming year (April 1 - March 31). Frequently Asked Questions How Can I Pay My Premium? There are two ways to pay your premium: 1. A yearly payment can be made by cheque, online banking, Visa or MasterCard; or 2. Monthly payments can be made by electronic funds withdrawal from your bank account or you can pay by cheque, online banking, Visa or MasterCard. Under What Circumstances Can The Premium Be Reimbursed? Premiums can be refunded for any full months you have paid in advance if you move out of the province or are deceased during the program year. The Seniors Pharmacare Program must be advised in writing within one year of your relocation or death for a refund to be issued. How Can I Pay My Copayment? You have two choices for paying your copayments. 1. Thirty percent on every prescription can be paid to the pharmacy when you have your prescription filled to a maximum of $382 per year. 2. The $382 annual maximum copayment can be paid directly to the Seniors Pharmacare Program. You must complete the Copayment Options Form. If you choose to pay the annual maximum copayment of $382 for the Program year, you will not be reimbursed any portion of $382 that you do not use in the year. You should review your prescription costs from the previous year to help decide which option would work best for you. What If I Have to Pay For A Prescription? Some circumstances may result in you paying cash for the prescription at the pharmacy. For example, if you forget your card. In such cases, you can be reimbursed for the portion Pharmacare would have paid. To obtain this reimbursement, send original prescription receipts to Pharmacare within six months of the date of purchase. If received after six months, receipts will not be considered for reimbursement. For more information on how to apply for reimbursements, please call or Toll Free
6 Traveling Outside Nova Scotia If you plan to travel outside the province, you must make sure you have enough medication and supplies for your trip. We recommend you purchase health insurance before you depart. The Seniors Pharmacare Program will not pay for prescriptions filled in a pharmacy outside Nova Scotia. Exceptions may be considered on a case by case basis. For prescriptions filled outside of Canada, there is no reimbursement, emergency or otherwise. You Can Claim Your Premium and Copayments on your Income Tax Tax receipts for the previous calendar year will be sent to seniors enrolled in the Program each February. The amounts you pay as your Seniors Pharmacare copayment are considered medical expenses for taxation purposes. You can ask for more information at your pharmacy about your prescription expenses and details of your out-of-pocket expense. For further information regarding how to claim these expenses, please contact Canada Revenue Agency at For more information, please contact: By Mail Nova Scotia Seniors Pharmacare Program Nova Scotia Pharmacare Programs PO Box 9322 Halifax, NS B3K 6A1 In Person Nova Scotia Seniors Pharmacare Program Nova Scotia Pharmacare Programs 230 Brownlow Avenue Dartmouth, NS By Phone Metro Halifax: Toll Free: By SeniorsPharmacare@medavie.bluecross.ca By Fax Website Guaranteed Income Supplement (GIS) Service Canada Toll Free (english): Toll Free (french): Health Card Questions Medical Services Insurance PO Box 500 Halifax, NS B3J 2S1 Telephone: Toll Free: Income Tax Notice of Assessment Canada Revenue Agency Tax Centre PO Box 12077, Station A St. John s, NL A1B 3Z2 Toll Free: BRO /13
Nova Scotia Pharmacare Programs
Nova Scotia Pharmacare Programs The Nova Scotia Family Pharmacare Program Effective December 2012 The information in this booklet is subject to change and does not replace the Health Services and Insurance
PUMP (NSIPP) Insulin. Program. Nova Scotia
NSIPP Nova Scotia Insulin PUMP Program (NSIPP) April 2015 The information in this booklet is subject to change and does not replace the Health Services and Insurance Act. The Nova Scotia Insulin Pump Program
MEDICARE PRESCRIPTION SAVINGS GUIDE
MEDICARE PRESCRIPTION SAVINGS GUIDE Since the beginning of Medicare Part D, we ve learned what s most important to you getting trusted information and lowering your prescription costs. We re here to help
Pharmacare Programs Pharmacists Guide August 1, 2015
Pharmacare Programs Pharmacists Guide August 1, 2015 This guide provides information on the Nova Scotia Pharmacare Programs, but it does not replace the Fair Drug Pricing Act, Pharmacy Act, Prescription
PROVINCE OF NOVA SCOTIA INSURED PRESCRIPTION DRUG PROGRAM FOR THE TWELVE MONTHS ENDING MARCH 31, 2008
INSURED PRESCRIPTION DRUG PROGRAM FOR THE TWELVE MONTHS ENDING MARCH 31, 2008 Deloitte & Touche LLP 1969 Upper Water Street Suite 1500 Purdy's Wharf Tower II Halifax NS B3J 3R7 Canada Tel: (902) 422-8541
Annual Notice of Changes for 2014 (This 2014 Annual Notice of Changes is effective October 1, 2013 December 31, 2014.)
Blue Shield 65 Plus (HMO) offered by Blue Shield of California Annual Notice of Changes for 2014 (This 2014 Annual Notice of Changes is effective October 1, 2013 December 31, 2014.) You are currently enrolled
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
Share a Clear View PHARMACY BENEFIT
Share a Clear View PHARMACY BENEFIT Share a Clear View NAVITUS CUSTOMER CARE HOURS: 24 Hours a Day 7 Days a Week 866-333-2757 (toll-free) TTY (toll-free) 711 MAILING ADDRESS: Navitus Health Solutions P.O.
Evidence. of Coverage. ATRIO Gold Rx (Rogue) (PPO) Member Handbook. Serving Medicare Beneficiaries in Josephine and Jackson Counties
2016 Evidence of Coverage ATRIO Gold Rx (Rogue) (PPO) Member Handbook Serving Medicare Beneficiaries in Josephine and Jackson Counties H6743_017_EOC_16 CMS Accepted January 1 December 31, 2016 Evidence
Medicare. Prescription Drug Plan Guide. Simple steps to help you choose the right prescription drug coverage
Medicare Prescription Drug Plan Guide An educational resource developed by Simple steps to help you choose the right prescription drug coverage and published by Rite Aid Corporation. Rite Aid pharmacists
Property Tax Rebate for Seniors Frequently Asked Questions
Property Tax Rebate for Seniors Frequently Asked Questions Q1. I have not heard of the program before now. Why is the program not more widely advertised? A. The Property Tax Rebate for Seniors Program
CCPOA Medical Plan Prescription Drug Plan (PDP)
CCPOA Medical Plan Prescription Drug Plan (PDP) Blue Shield of California Medicare Rx Plan (PDP) Evidence of Coverage Effective January 1, 2016 Sponsored by California Correctional Peace Officers Association
MEDICARE PRESCRIPTION DRUG PLANS: INFORMATION FOR CONSUMERS
MEDICARE PRESCRIPTION DRUG PLANS: INFORMATION FOR CONSUMERS Contents: 1. General Information 2. Dates to Remember 3. Frequently Asked Questions Prepared by Susan V. Murray, MSW, CMSW Medical Social Worker
Post-Retirement Health Care Spending Account for CAW Retired Employees Canada. Issued April 2011 ON TRACK TOWARD THE FUTURE
Post-Retirement Health Care Spending Account for CAW Retired Employees Canada ON TRACK TOWARD THE FUTURE Table of Contents 1 Introduction 2 Eligibility 3 Plan Description 5 Options under the HCSA 6 Who
BRITISH COLUMBIA PHARMACARE PROGRAM CHANGES EFFECTIVE MAY 1, 2003
LEGISLATION UPDATE BRITISH COLUMBIA PHARMACARE PROGRAM CHANGES EFFECTIVE MAY 1, 2003 The Government of British Columbia has announced major changes to the provincial PharmaCare program effective May 1,
PLANDIRECT USER GUIDE PLANDIRECT HEALTHCARE COVERAGE
USER GUIDE PLANDIRECT USER GUIDE This User Guide provides practical information on using your PlanDirect plan. It includes additional information on features of PlanDirect, how to access services and how
Access to Prescription Drugs in New Brunswick
Access to Prescription Drugs in New Brunswick Discussion Paper Department of Health June 2015 Department of Health Published by: Department of Health Government of New Brunswick P. O. Box 5100 Fredericton,
The Blue Cross plan will continue to exist for all who retired prior to January 31, 2007.
Date Name & Address Dear Congratulations on your upcoming retirement! Due to the recent agreement between Canadian Pacific Railway and the TCRC union members, in January 2005 CPR adopted a new approach
2015 Regence Medicare Prescription Drug Plans (PDP)
VIEW PLA OVER DECISION GUIDE 2015 Regence Medicare Prescription Drug Plans (PDP) Regence BlueShield of Idaho and Regence BlueCross BlueShield of Utah is an Independent Licensee of the Blue Cross and Blue
Nova Scotia Student Assistance Office. Information on the Student Assistance Program
Nova Scotia Student Assistance Office Information on the Student Assistance Program What is Student Assistance? Government funded student financial assistance ensures students have equal access to post
MEDICARE PART D PRESCRIPTION DRUG COVERAGE 2016
PO Box 350 Willimantic, Connecticut 06226 (860)456-7790 (800)262-4414 1025 Connecticut Ave, NW Suite 709 Washington, DC 20036 (202)293-5760 MEDICARE PART D PRESCRIPTION DRUG COVERAGE 2016 Se habla español
Enrolling during a special enrollment period
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. 2101 East Jefferson St., Rockville, MD 20852 Kaiser Permanente for Individuals and Families Enrolling during a special enrollment period What
Retiree Health Care Strategy
Retiree Health Care Strategy Medicare Part D Prescription Drug Coverage for Montgomery County Government Retirees June 4, 2014 Prepared by Consulting Health & Benefits Retirement Medicare Retirees Prescription
Evidence of Coverage:
January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Health Net Ruby (HMO) This booklet gives you the details about
Benefits Open Enrollment Frequently Asked Questions
Benefits Open Enrollment Frequently Asked Questions Plan year: July 1, 2014, through June 30, 2015 Open Enrollment begins May 15 and ends May 30. You must enroll in order to receive medical, prescription,
Welcome to OptumRx Your Prescription Benefit Program
Welcome to OptumRx Your Prescription Benefit Program OptumRx offers you more ways to improve your health, while keeping medications more affordable and accessible. Welcome to OptumRx OptumRx manages your
HOW TO COMPLETE THIS FORM
HOW TO COMPLETE THIS FORM For your convenience, Sharp Health plan makes this reimbursement form available for your use. All requests for reimbursement received in writing shall be processed. 1. The Member
2014 Prescription Drug Schedule Humana Medicare Employer Plan
2014 Prescription Drug Schedule Humana Medicare Employer Plan Option 98 City of Newport News Y0040_GHHHEF3HH14 SECTION I - INTRODUCTION TO SUMMARY OF BENEFITS Thank you for your interest in the Humana
Evidence of Coverage:
January 1 December 31, 2010 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Advantra Option 2 This booklet gives you the details about your
2012 Medicare Part D Drug Coverage
2012 Medicare Part D Drug Coverage Consumer Costs Under a Standard 2012 Part D Plan Premiums range from $15.10 to $114.90 per month. The annual deductible is $0 to $320. The deductible is the amount you
MEDICARE PART D THE BASICS
THE BASICS Participation is voluntary. The income level and assets of beneficiaries determine the level of prescription assistance they will receive. Beneficiaries with incomes over 150% of the Federal
LCRA Frequently Asked Questions: Medicare Health Plans and Retiree Reimbursement Accounts (RRAs)
LCRA Frequently Asked Questions: Medicare Health Plans and Retiree Reimbursement Accounts (RRAs) Medicare Health and Prescription Drug Plans 1. Q: Do I have to enroll in Medicare Part A and Part B? A:
Bancorp Insurance Medicare Vocabulary
Bancorp Insurance Medicare Vocabulary Advance Beneficiary Notice (ABN) A notice indicating the cost of a service that Medicare might not cover. Accepting Assignment Your Doctor agrees to accept payment
Optional Life insurance Get to know your benefits
Optional Life insurance Get to know your benefits Contents 01 What is Optional Life insurance? 03 Why opt for Optional Life coverage? 04 How to apply for Optional Life insurance? What is Optional Life
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
Harvard Pilgrim s Stride SM. (HMO) Medicare Advantage Plan. Value Rx Plus Annual Notice of Change
HP15ANOCMNEPLUS 2015 Harvard Pilgrim s Stride SM (HMO) Medicare Advantage Plan Value Rx Plus Annual Notice of Change Maine Cumberland and York Y0098_15092 Accepted Harvard Pilgrim Stride Value RX Plus
Evidence of Coverage:
January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Allegian Advantage (HMO) This booklet gives you the details about
INDIVIDUAL TRAVEL PLANS
INDIVIDUAL TRAVEL PLANS 1 TABLE OF CONTENTS Coverage Designed for Manitobans...2 Travel Coverage is Important...2-3 Why Choose Manitoba Blue Cross?...3 Plan Description Deluxe Travel Health Plans...4-5
CA Seniority Plus (Employer HMO) Plan
CA Seniority Plus (Employer HMO) Plan Evidence of Coverage and Plan Document Effective January 1, 2015 Contracted by the CalPERS Board of Administration Under the Public Employees Medical & Hospital Care
Frequently Asked Questions about Retiree Reimbursement Accounts (RRAs)
Frequently Asked Questions about Retiree Reimbursement Accounts (RRAs) 1. Do I need to do anything to sign up for an RRA? No. You re automatically enrolled in the RRA. If you want to use the online tools,
2014 OPEN ENROLLMENT & BENEFIT GUIDE
2014 OPEN ENROLLMENT & BENEFIT GUIDE This guide contains important information about Wheaton College s annual benefits open enrollment for our medical, dental and flexible spending accounts plan. Also
Hello. Medicare Advantage plans. Overview 2. Plans 3. Timing 6. Tools 7
Hello Advantage At UnitedHealthcare, we want you to get the most from your Medicare coverage. Our simple, all-in-one Medicare Advantage plans are designed to offer you benefits, services and tools to help
Skilled Nursing Facility Coinsurance Part A Deductible Part B. Part B Excess (100%) Foreign Travel Emergency. Foreign Travel Emergency
Montana OLD SURETY LIFE INSURANCE COMPANY 2014 ( effective 01/01/2014 ) Outline of Medicare Supplement Coverage Benefit Plans A and F Only are being offered by the company at this time. These charts show
CENTERS FOR MEDICARE & MEDICAID SERVICES
CENTERS FOR MEDICARE & MEDICAID SERVICES 2016 Welcome to Medicare! Medicare is health insurance for people 65 or older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD)
Medical Insurance Part 2 - Deductible and Prevention Plans
KAISER PERMANENTE FOR INDIVIDUALS AND FAMILIES Deductible Plans How Deductible plans work Deductible plans generally offer lower monthly premiums in exchange for higher out-of-pocket payments for covered
Health Care Coverage and Costs in Retirement
Health Care Coverage and Costs in Retirement Health care coverage and costs should be an important consideration in your retirement planning. You need to have an idea of what coverage you will need and
Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP)
Your Plan Explained Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP) UnitedHealthcare MedicareRx for Groups (PDP) Y0066_PDP_896487_000 What is Medicare Part D? Medicare Part D is a
Local 804 Pension Plan
Local 804 Pension Plan A guide to your pension plan benefits Union Benefit Plans Services Contact Contact us If you have any questions about the plan, please contact the plan administrator: Union Benefit
HEALTH SAVINGS ACCOUNT FAQs January 2014
Overview Q. What is a Health Savings Account (HSA)? A: An HSA is a pre-tax account you set up with a high-deductible health plan to help pay for or reimburse current and future IRS-approved qualified medical
FREQUENTLY ASKED QUESTIONS (FAQs) Move to a Medicare Part D Prescription Drug Plan
FREQUENTLY ASKED QUESTIONS (FAQs) Move to a Medicare Part D Prescription Drug Plan These FAQs provide additional information regarding the move to a Pfizer-sponsored Medicare Part D Plan (SilverScript).
Purdue Choice Fund Health S i av A ngs t ccoun (HSA)
Purdue Choice Fund Health Savings Account (HSA) What Is a Health Savings Account (HSA) Plan? Qualified Medical Plan + Health Savings = Bank Account Tax Advantaged HSA Plan A tax advantaged health plan
How to Use Your International Student Insurance Plan For the Students of. Presented by
How to Use Your International Student Insurance Plan For the Students of Presented by YOUR INSURANCE ID CARD Your ID cards will be emailed to you after the start of your session. If you have enrolled dependents,
Advocare Essence (HMO-POS)
Advocare Essence (HMO-POS) offered by Security Health Plan of Wisconsin, Inc. You are currently enrolled as a member of Advocare Essence (HMO-POS). Next year there will be some changes to the plan s costs
GUIDELINES FOR DISTRICT-PAID RETIREES
GUIDELINES FOR DISTRICT-PAID RETIREES This document provides the provisions of eligibility and enrollment for district-paid retirees whose district has entered into a Participation Agreement to provide
Choosing a Medicare prescription drug plan.
Choosing a Medicare prescription drug plan. Medicare Made Clear TM Get Answers Series Look inside to: Learn about Part D prescription drug coverage options Find out what you need to know about the Part
Making Your Medicare Reimbursements Easier
Making Your Medicare Reimbursements Easier Back in the fall, you enrolled in a medical insurance plan and probably a prescription drug coverage plan through the Extend Health Medicare Exchange. Now that
Annual Notice of Changes for 2016
Kaiser Permanente Senior Advantage Core (HMO) offered by Kaiser Foundation Health Plan of Colorado Annual Notice of Changes for 2016 You are currently enrolled as a member of Kaiser Permanente Senior Advantage
Annual Notice of Changes for 2015
Express Scripts Medicare (PDP) for Consolidated Associations of Railroad Employees (CARE) Annual Notice of Changes for 2015 You are currently enrolled as a member of Express Scripts Medicare (PDP). The
Evidence of Coverage:
January 1 December 31, 2014 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of First Choice VIP Care (HMO-SNP) This booklet gives you the details
2016 Evidence of Coverage for Passport Advantage
2016 Evidence of Coverage for Passport Advantage EVIDENCE OF COVERAGE January 1, 2016 - December 31, 2016 Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Passport
Guide to the D&B Post-65 Retiree SilverScript Prescription Drug Plan
Guide to the D&B Post-65 Retiree SilverScript Prescription Drug Plan What s Inside: Get to Know the D&B Post-65 Retiree SilverScript Prescription Drug Plan...1 Understand These Plan Features...2 Additional
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
Aetna Life Insurance Company Hartford, Connecticut 06156
Aetna Life Insurance Company Hartford, Connecticut 06156 Extraterritorial Certificate Rider (GR-9N-CR1) Policyholder: The TLC Companies Group Policy No.: GP-811431 Rider: Georgia ET Medical Issue Date:
BlueCHiP for Medicare 2016 Plan Selection Form
2016 Plan Selection Form Date: c c / c c / c c c c Instructions: Complete the following sections 1. Provide Demographics 2. Choose your Medical Plan 3. Choose your Optional Supplemental Dental Plan 4.
FREQUENTLY ASKED QUESTIONS (FAQs) About Your New Retiree Prescription Drug Plan
DRAFT: 4B World Bank Group RMIP DATE: 9/08/15 FAQS for Pre-pre-enrollment mailing Sept 2015 FREQUENTLY ASKED QUESTIONS (FAQs) About Your New Retiree Prescription Drug Plan On January 1, 2016, SilverScript
Canada Pension Plan. Disability Benefits
Canada Pension Plan Disability Benefits March 2008 This booklet on Canada Pension Plan disability benefits contains general information only. When questions arise, the wording and provisions of the Canada
United Nations Insurance and Disbursement Service, FF-300, 304 East 45 th St. New York, NY 10017 Tel: (212)963-5813 EMAIL: ashi@un.
Section I: Eligibility & enrolment MEDICARE FAQS 1. Q: Am I eligible for Medicare? A: You are eligible for free Medicare Part A (hospitalization) if you contributed to Social Security for 40 quarters (ten
August 2015. AmeriCorps VISTA Healthcare FAQs
August 2015 AmeriCorps VISTA Healthcare FAQs AmeriCorps VISTA Healthcare FAQs The Affordable Health Care Act (ACA) reformed healthcare and ensures that essential healthcare benefits are made available
International Student Health Insurance Plan Overview. Presented by Renaissance Insurance Agency, Inc
International Student Health Insurance Plan Overview Presented by Renaissance Insurance Agency, Inc Topics for Discussion 1. Health Insurance Basics Why do I need health insurance? How does health insurance
www.tamuinsurance.com
Health Insurance Designed for the Graduate Students employed by the THE TEXAS A&M UNIVERSITY SYSTEM 2011-2012 Underwritten By: Companion Life Insurance Company (A+) Administered by: Associated Insurance
Group Benefits. Emergency Out of Country Coverage
Group Benefits Emergency Out of Country Coverage Keep this brochure and a copy of your Emergency Medical Travel Assistance card with your passport so that you or anyone you re travelling with can get assistance
A Guide to Understanding the Trillium Drug Program
Ministry of Health and Long-Term Care A Guide to Understanding the Trillium Drug Program This program may make you eligible for Ontario drug benefits TRILLIUM DRUG PROGRAM What's in this Guide 1. What
Express Scripts Medicare TM (PDP) through State of Delaware Medicare Retiree Prescription Plan Frequently Asked Questions
Express Scripts Medicare TM (PDP) through State of Delaware Medicare Retiree Prescription Plan Frequently Asked Questions Section 1 General Information (Questions 1-5) Section 2 Enrollment Information
THAT S RIGHT FOR YOU PLATINUM BLUESM WITH RX (COST) Medical and prescription drug benefits you want. Value you deserve. FIND THE PLAN CORE CHOICE
2016 PLATINUM BLUESM WITH RX (COST) Medical and prescription drug benefits you want. Value you deserve. OPTIONS YOU WANT Platinum Blue can help pay the deductibles, copayments and coinsurance Original
Health Administration Center. Medical Programs For Veterans and Their Families
Health Administration Center Medical Programs For Veterans and Their Families 2002 FOR VETERANS Foreign Medical Program (FMP) is a health care benefits program designed for US veterans with VArated service-connected
Annual Notice of Changes for 2015
First Health Part D Value Plus (PDP) Plan offered by First Health Life & Health Insurance Company Annual Notice of Changes for 2015 You are currently enrolled as a member of First Health Part D Essentials
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
2009 Annual Notice of Change
2009 Annual Notice of Change October 2008 Dear Valued Member, Thank you for being a AdvantraRx member. We are proud that you continue to put your trust in
Medicare & Senior Advantage Guide for Retiring Physicians
Medicare & Senior Advantage Guide for Retiring Physicians Medicare Basics Medicare is a federal health insurance program that pays for hospital and medical care for: Individuals who are age 65 or older
Life Insurance TABLE O F C ONTENTS GUARANTEED LIFE TERM LIFE. Exclusive Offer from Your Organization
Life TABLE O F C ONTENTS Guaranteed Life At a Glance........................ 2 At a Glance........................ 3 Guaranteed Life Eligibility and Coverage................ 4 Monthly Premiums (Male)...............
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Michigan State University 2014 Open Enrollment Blue Care Network is a nonprofit corporation and independent licensee of the Blue Cross
Important Health Care Information for US Employees. Preparing to Begin an International Assignment
Important Health Care Information for US Employees Preparing to Begin an International Assignment CIGNA Global Health Benefits Enrollment Medical, dental and vision coverage is provided through CIGNA Global.
2012 Summary of Benefits
2012 Summary of Benefits 1 / Value Orange Drug Plan North Carolina Benefits effective January 1, 2012 S5678 Health Net Life Insurance Company Material ID# S5678_2012_0058 CMS Approved 08152011 SECTION
High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS
High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS Part I HIGH DEDUCTIBLE HEALTH PLAN (HDHP) Q. What is the HDHP? A. The High Deductible Health Plan (HDHP)
The Medicare Low Income Subsidy (LIS)
The Medicare Low Income Subsidy (LIS) Extra Help with Prescription Drug Costs An overview of the Medicare LIS Patient eligibility and the application process How the LIS affects patient responsibility
THE NELSON TRUST WWW.NELSON.AIBPA.COM
December 28, 2012 Please read this notice carefully. This Notice contains important information regarding your coverage under The Nelson Trust Medicare Retiree Plan, effective April 1, 2013. You need to
Health Reimbursement Arrangement (HRA).
Retiree benefits 1 Retiree benefits Health Reimbursement Arrangement (HRA). Benefits for Union Pacific s Medicare-eligible retirees and their Medicare- eligible spouses and/or dependents. 2 Union pacific
Life is Full of Important Choices
Life is Full of Important Choices Let us help you make the right choice for your 2015 Medicare insurance. Through It All. bcbstx.com TXMSDG15 Y0096_MRK_TMP_MSDG15 Accepted 10012014 57460.0614 Contact Information
First Health Part D Value Plus (PDP) offered by First Health Life & Health Insurance Company
First Health Part D Value Plus (PDP) offered by First Health Life & Health Insurance Company Annual Notice of Changes for 2016 You are currently enrolled as a member of First Health Part D Value Plus (PDP).
Your Guide to Choosing a Kaiser Permanente Medicare Health Plan
This is an advertisement. Kaiser Permanente Senior Advantage for Federal Members (HMO) Your Guide to Choosing a Kaiser Permanente Medicare Health Plan INCREASE YOUR COVERAGE without increasing your FEHB
Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Frequently Asked Questions High Deductible Health Plan (HDHP) with Health Savings Account (HSA) There are two components to the High Deductible Health Plan (HDHP) with HSA Medical Plan the HDHP Health
Your Guide to Student Accounts at Trent 2015/16
Your Guide to Student Accounts at Trent 2015/16 Table of Contents Your Payment Schedule...4 Other Important Information & Dates...6 Things to Know about Your Student Account... 7 Fees for the 2015/16 Academic
Health Insurance Marketplace in Illinois Plan Comparison Charts
2015 Independent Authorized Agent for An Independent Licensee of the Blue Cross Blue Shield Association Health Insurance Marketplace in Illinois Plan Comparison Charts preventive services and maternity
Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits
Making the Most of Medicare An Easy Guide to Getting More from Your Benefits Making the Most of Medicare Those who have Medicare or are aging into the program have many choices in today s health care environment.
Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP
January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP This booklet gives you the
Any credit balance from the initial payment on the account will be applied on the following month s statement.
Friendship Health Payment and Insurance Policies RATES All prevailing room rates and charges for supplemental services or supplies are made available to you at Friendship. Prevailing room charges may be
Frequently Asked Questions: Medicare Savings Programs
Frequently Asked Questions: Medicare Savings Programs Q. What are the Medicare Savings Programs (MSP)? A. The MSP helps to pay some of the out-of-pocket costs of Medicare. There are three levels of the
Florida Memorial University s 2014-15 Student Insurance Plan. Frequently Asked Questions
Florida Memorial University s 2014-15 Student Insurance Plan Frequently Asked Questions Did you know college students have several choices for health coverage? Did you know there is no special college
Annual Notice of Changes for 2015
BlueRx (PDP) Local Government Health Insurance Plan (LGHIP) Prescription Drug Coverage for Medicare Members offered by Blue Cross and Blue Shield of Alabama Annual Notice of Changes for 2015 You are currently
PerformPlus A standard product made to order! Group insurance
PerformPlus A standard product made to order! Group insurance PerformPlus Healthy employees make for a healthy company. That s why businesses of all sizes have started paying more attention to health and