HEALTHPARTNERS FREEDOM 2015 PLAN COMPARISON GUIDE
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1 HEALTHPARTNERS FREEDOM 2015 PLAN COMPARISON GUIDE H2462_82441 Accepted 9/14/2014 MNPlanComp
2 HEALTHPARTNERS FREEDOM PLAN or ; TTY or
3 GETTING STARTED TABLE OF CONTENTS WHY CHOOSE HEALTHPARTNERS QUICK REFERENCE: FREEDOM PLANS... 5 PLAN FEATURES NETWORK...8 HOW TO ENROLL...9 MEDICARE OVERVIEW FREEDOM PLAN OPTIONS CHART CONTACT US MY NOTES healthpartners.com/medicare 3
4 HEALTHPARTNERS FREEDOM PLAN WHY CHOOSE HEALTHPARTNERS? THANK YOU FOR YOUR INTEREST IN HEALTHPARTNERS FREEDOM (COST). KEEP YOUR DOCTOR. With HealthPartners Freedom, you can choose from more than 38,000 doctors across Minnesota. We contract with over 7,000 primary care and 29,000 specialty providers, so you re not limited to HealthPartners Clinics. COME TO A HEALTHPARTNERS COMMUNITY MEETING. We regularly schedule gatherings in your community so you can compare and consider your options. CALL US. Our representatives can answer questions, walk you through enrollment and provide additional information. Call or , TTY or See page 28 for hours of operation. BROWSE ONLINE. Visit healthpartners.com/medicare, or us at medicaresales@healthpartners.com. For questions about your eligibility for Medicare benefits or Original Medicare coverage, you can call 800-MEDICARE or visit medicare.gov. Phone lines are open 24 hours a day, seven days a week. TTY users can call WE LOOK FORWARD TO BEING YOUR PARTNER IN GOOD HEALTH! or ; TTY or
5 GETTING STARTED QUICK REFERENCE: 2015 FREEDOM PLAN COMPARISON Monthly premium* Doctor office visit virtuwell Preventive care Inpatient hospital Emergency care (in U.S.) Travel coverage Freedom Basic (Cost) Medical: $47 Drug: Not offered You pay 20% of the cost. You pay $600 per benefit period. You pay $100 per visit. Freedom Vital with Rx (Cost) Medical: $54 Drug: $10 Total: $64 You pay $15 per visit for primary care and $40 per visit for specialty care. You pay $300 per benefit period. Prescription drug (Part D) coverage** Freedom Balance with Rx (Cost) Medical: $94 Drug: $24.80 Total: $ You pay $15 per visit. Freedom Ultimate with Rx (Cost) Medical: $151 Drug: $39.70 Total: $ Unlimited visits to this 24/7 online clinic. 100% coverage. You pay $200 per benefit period. Freedom Ultimate with Enhanced Rx (Cost) Medical: $151 Drug: $ Total: $ You pay $0 per visit. You pay $100 per benefit period. You pay $75 per visit. You pay $65 per visit. You pay $50 per visit. Coverage for up to 9 months within U.S. Deductible Not offered. Tiers 1-4: $175; Tier 5: none Tiers 1-4: $125; Tier 5: none Tiers 1-4: $160; Tier 5: none Tiers 1-4: $100; Tier 5: none Initial coverage Not offered. Tier 1: $5; Tier 2: $20; Tier 3: $45; Tier 4: $95; Tier 5: 33% Tier 1: $5; Tier 2: $15; Tier 3: $45; Tier 4: $95; Tier 5: 33% Tier 1: $5; Tier 2: $12; Tier 3: $40; Tier 4: $65; Tier 5: 33% Coverage gap Catastrophic coverage Not offered. Not offered. You pay 65% for generics and 45% for brand drugs. You pay 5% or $2.65 for generics and 5% or $6.60 for all brand drugs, whichever is greater. Tier 1: $5; Tier 2: $12; Tier 3: 40%*** and costs are further reduced by 50% *You must continue to pay your Medicare Part B premium. **In-network pharmacies ***Retail pharmacies and mail-order pharmacies with preferred cost-sharing. You pay 45% of the costs at mail-order pharmacies with standard cost-sharing and costs are further reduced by 50%. healthpartners.com/medicare 5
6 HEALTHPARTNERS FREEDOM PLAN ADDITIONAL PLAN FEATURES VIRTUWELL SICK. CLICK. CURED. virtuwell is a simple, convenient online clinic that treats everyday medical conditions such as colds, coughs, ear pain, flu or urinary tract infections from your home. You have 24/7 online access to nurse practitioners, available from any computer, with no appointment necessary. After a quick online interview, you ll receive a personalized diagnosis, a treatment plan and, if needed, a prescription sent to the pharmacy of your choice. SILVER&FIT EXERCISE AND HEALTHY AGING PROGRAM Silver&Fit is a program designed for Medicare beneficiaries to improve their health through education and exercise. Members can choose from membership at a participating fitness facility or a Home Fitness Program. Visit silverandfit.com to learn more and locate participating facilities. The program includes: Membership at a participating fitness facility. You only pay an annual $25 fee! New for 2015! Sick. Click. Cured. Freedom members get unlimited visits! Unlimited Electronic visits (E-visit) and Scheduled Telephone Visits. The Silver&Fit Home Fitness Program for members who are unable to go to a fitness facility or prefer to work out at home. Pay an annual fee of $10 and choose up to two Home Fitness kits each year. The Silver Slate, a quarterly newsletter. Healthy Aging materials (online or DVD) Silver&Fit Connected!, a fun and easy way to track your exercise at a facility, or through a wearable fitness device or app and earn rewards* To learn more, call HealthPartners Medicare Sales at the numbers on page 28. Not all doctors and clinics are set up to do these visits. Check with your provider for the availability of this option. A toll-free customer service hotline to answer questions about the program. Once you re a HealthPartners Freedom member, enrolling in the Silver&Fit program is easy. Visit silverandfit.com or call Silver&Fit Customer Service at (TTY/TDD ) to choose a participating facility near you and to pay the annual fee by credit card or money order. *Rewards subject to change; purchase of device or app is not included or ; TTY or
7 GETTING STARTED TRAVEL WITH PEACE OF MIND Activate your Extended Absence Benefit when traveling outside of the Freedom service area. Freedom members have coverage for up to nine months each year within the United States, which is perfect for snowbirds. Plus, on all plans except Freedom Basic, members have worldwide coverage for emergency and urgently needed care. DENTAL COVERAGE Coverage for one dental exam, one set of dental X-rays and one dental cleaning is built into Freedom Balance and Ultimate. If you want more coverage, add the Freedom Comprehensive Dental benefit for two preventive cleanings, plus coverage for fillings, oral surgery, crowns, prosthetics and more. PHARMACY TOOLS AND MAIL ORDER PHARMACY Managing your prescriptions can be expensive and difficult. That s why we offer several pharmacy tools to help you save time and money! Drug interaction checker Make sure your new medication doesn t interact improperly with your current medications. mymailrx Get your prescriptions delivered right to your door with HealthPartners mymailrx*. Most HealthPartners members get a three-month supply of their medicine for just two copays! Typically, you can expect to receive your prescription drugs within five to seven business days from the time that the mail order pharmacy receives the order. Visit healthpartners.com/mymailrx to learn more. Drug Cost Calculator Find the pharmacy that offers your medicines for the best price. Visit healthpartners.com/pharmacy. HEALTHY DISCOUNTS PROGRAM Save money at local and national retailers when you show your HealthPartners Member ID card. You can save on eyewear, hearing aids, fitness classes, healthy meals and more! To view a list of all participating retailers, visit healthpartners.com/discounts. CARELINE SM SERVICE AND HEALTHPARTNERS NURSE NAVIGATORS SM PROGRAM You have free access to CareLine SM and Nurse Navigators SM. CareLine is staffed 24 hours a day with registered nurses who can answer your health questions and discuss treatment options. Nurse Navigators provide special help on coverage questions to guide you through networks, benefits and services *Other pharmacies are available in our network. healthpartners.com/medicare 7
8 HEALTHPARTNERS FREEDOM PLAN HEALTHPARTNERS FREEDOM INTRODUCING HEALTHPARTNERS FREEDOM HealthPartners Freedom offers benefits in addition to those provided by Original Medicare. Choose from four medical plan options and pair with Part D prescription drug coverage to get the best value. Our Part D coverage is available with Freedom Vital, Balance and Ultimate; Enhanced Part D coverage is available with Freedom Ultimate. Freedom is different from other types of Medicare plans because you re not locked into a primary care clinic or network. You can use your Medicare benefits outside of our network or service area at any time. Call HealthPartners Medicare Sales for more information. OUR NETWORK With our large network of 38,000 providers, chances are your doctor is covered. Search for your provider by visiting healthpartners.com/medicare, or give us a call and we can look it up for you. Major clinic systems in our network include: HealthPartners Medical Group Park Nicollet Health Services Fairview Health Services University of Minnesota Physicians North Memorial Health Care HealthEast Care System Essentia (Duluth) St. Luke s (Duluth) CentraCare (St. Cloud) St. Cloud Medical Group Other providers are available in our network. VOCABULARY remember Network: Doctors, hospitals, pharmacies and other health care experts who have contracted with your health plan. Plan members get the lowest cost for services when using network providers. Provider: Any organization, institution or individual that supplies health care services. Service area: The defined geographic region where a health plan accepts members and where the plan s services are provided. Our network includes HealthPartners Clinics, and we re proud of the care they provide. But you can also choose to receive care at hundreds of other network clinics. This brochure talks about Minnesota Freedom plan options. We also have a service area in Wisconsin. If you re interested in Wisconsin Freedom plan options, please contact us. Freedom Service Area Includes all of Minnesota and eight Western Wisconsin counties or ; TTY or
9 GETTING STARTED HOW TO ENROLL STEP 1: PICK YOUR PLAN Choose the medical plan option that fits you best. Then decide what you want to add on, if anything, such as affordable prescription drug or dental coverage. STEP 2: ENROLL Enrolling in HealthPartners Freedom is easy. To enroll, you can: Go online to healthpartners.com/medicare and click Compare & enroll Call us at or Fill out the paper application You can mail it to us using the prepaid envelope in this folder. Or, you can fax it to us at You ll be asked for: Your contact information Your plan selection Your Medicare number and Part A and/or B enrollment dates Your payment/billing preference Answers to questions that help determine your eligibility and enrollment status Your signature or the signature of your authorized representative Completed enrollment forms that are received by HealthPartners by the last day of the month are generally effective for the first day of the next calendar month. For example, a form received on January 31 would be effective February 1. After you ve enrolled, you ll receive a packet from us containing your member ID card, Evidence of Coverage, network directories, drug formulary and several other items. If you have questions prior to that, just call us! Eligibility To enroll in Freedom, you must: Be entitled to Medicare Part A and enrolled in Medicare Part B, or enrolled in Part B only Live in Minnesota Not have end-stage renal disease (ESRD)* *Some exceptions apply. Call HealthPartners Medicare Sales at the numbers on page 28. healthpartners.com/medicare 9
10 HEALTHPARTNERS FREEDOM PLAN MEDICARE OVERVIEW Medicare is a federal health insurance program for people who are 65 or older, people with certain disabilities and people of all ages with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). You cannot be denied coverage due to pre-existing conditions and your coverage cannot be cancelled if you get sick. Medicare is divided into Parts : Part A is hospital insurance, covering inpatient hospital care including care in skilled nursing facilities, hospice and some home health care. Part B is medical insurance, covering doctor s services and outpatient care. Part D is prescription drug insurance. It s only available from private health insurance companies. If you re already getting benefits from Social Security or Railroad Retirement Board, you automatically get Original Medicare (Parts A and B) when you turn 65 years old. WHAT ISN T COVERED UNDER ORIGINAL MEDICARE? Many people decide to buy additional coverage because there are things Original Medicare does not cover: Deductibles, coinsurance and copayments for covered services Most prescription drugs Health care services outside of the United States Most dental care Routine hearing exams Routine eye care Acupuncture Certain private health plans may cover some or all of the services listed above. V O C A B U L A R Y Copay or Copayment: What you pay when you use a medical service or drug; usually a flat dollar amount like $15. Coinsurance: The percentage of the total bill you pay when you use a medical service or drug. Creditable Coverage: Prescription drug coverage that is equal to or better than standard Medicare Part D. Deductible: What you pay for a service item or drug before your insurance kicks in or ; TTY or
11 MEDICARE BASICS ENROLLMENT PERIODS You can enroll in a Cost plan, like HealthPartners Freedom, any time. However, there may be limitations if you re currently enrolled in another Medicare plan or a Cost plan with prescription drug coverage. Visit medicare.gov for more information. 1. The Annual Election Period (AEP) runs from October 15 to December 7. During the AEP: All Medicare-eligible individuals can make changes to medical and prescription drug coverage All enrollment and disenrollment options are available Changes are effective January 1 of the next year 2. The Part D Initial Enrollment Period (IEP) is the period in which you may enroll without penalty in a plan with Part D prescription drug coverage. This period is from three months before to three months after your 65th birthday month. 3. The Special Enrollment Period (SEP) is an enrollment period for special circumstances. Check with HealthPartners or medicare.gov for specifics on rules and details. Election/Enrollment period When an eligible person can join or leave the Original Medicare Cost Plan and/or a Medicare plan, such as the Freedom plan. Medicare Cost plan A Cost plan lets you use benefits outside the plan s network or service area and covered services are paid for by Original Medicare. The Freedom plan is a Medicare Cost plan. healthpartners.com/medicare 11
12 HEALTHPARTNERS FREEDOM PLAN FREEDOM PLAN OPTIONS Use the benefit grids on the following pages to find out how most services are covered. Remember, if you don t see something you re looking for, you can always call us. Monthly Premium* Freedom Basic Freedom Vital Medical Plan Only $47 $54 Rx (Part D) Not offered $10 Enhanced Rx (Part D) Not offered Not offered Medical and Rx Combined Out-of-pocket Maximum Not offered $64 Not offered $3,000 *You must continue to pay your Medicare Part B premium or ; TTY or
13 PLAN DETAILS Freedom Balance Freedom Ultimate $94 $151 $24.80 $39.70 Not offered $ $ $ with Rx $ with Enhanced Rx $3,000 $3,000 Premium What you pay each month for your health or prescription drug plan. healthpartners.com/medicare 13
14 HEALTHPARTNERS FREEDOM PLAN Benefit Category Freedom Basic Freedom Vital Preventive Care and Wellness/Education Programs* Preventive Care** $0 (100% coverage) $0 (100% coverage) Wellness/ Education Programs You pay $0 for: - Nursing hotline You pay $0 for: - Additional smoking cessation - Nursing hotline You pay an annual $25 or $10 fee for Silver&Fit Preventive Dental Care Not covered Not covered, but you can select optional preventive and comprehensive dental coverage. See pages Travel Benefit Out of State Within the U.S. (Extended Absence Benefit) Call Member Services to activate! You can travel for up to nine months in the U.S. with the same level of coverage as in-network. See Medicare participating doctors and present both your Medicare and HealthPartners membership card. Call Member Services to activate! You can travel for up to nine months in the U.S. with the same level of coverage as in-network. See Medicare participating doctors and present both your Medicare and HealthPartners membership card. Out of the U.S. Not covered. Worldwide coverage for urgent or emergency care. You pay 20% of the cost. We ve got you covered! **Preventive care includes abdominal aortic aneurysm screening, alcohol misuse counseling, bone mass measurement, breast cancer screening (mammogram), cardiovascular disease (behavioral therapy), cardiovascular screenings, cervical and vaginal cancer screening, colonoscopy, colorectal cancer screenings, depression screening, diabetes screenings, fecal occult blood test, flexible sigmoidoscopy, HIV screening, medical nutrition therapy services, obesity screening and counseling, prostate cancer screenings (PSA), sexually transmitted infections screening and counseling, tobacco use cessation counseling (counseling for people with no sign of tobacco-related disease), vaccines, including Flu shots, Hepatitis B shots, Pneumococcal shots, Welcome to Medicare preventive visit (one-time) and a yearly Wellness visit. * In-network providers or ; TTY or
15 PLAN DETAILS Freedom Balance Freedom Ultimate $0 (100% coverage) $0 (100% coverage) You pay $0 for: - Additional smoking cessation - Nursing hotline You pay an annual $25 or $10 fee for Silver&Fit You pay $0 for: - 1 preventive exam - 1 cleaning - 1 set of X-rays Comprehensive dental coverage is available. See pages You pay $0 for: - Additional smoking cessation - Nursing hotline You pay an annual $25 or $10 fee for Silver&Fit You pay $0 for: - 1 preventive exam - 1 cleaning - 1 set of X-rays Comprehensive dental coverage is available. See pages Call Member Services to activate! You can travel for up to nine months in the U.S. with the same level of coverage as in-network. See Medicare participating doctors and present both your Medicare and HealthPartners membership card. Call Member Services to activate! You can travel for up to nine months in the U.S. with the same level of coverage as in-network. See Medicare participating doctors and present both your Medicare and HealthPartners membership card. Worldwide coverage for urgent or emergency care. You pay 20% of the cost. Worldwide coverage for urgent or emergency care. You pay 20% of the cost. healthpartners.com/medicare 15
16 HEALTHPARTNERS FREEDOM PLAN Benefit Category Freedom Basic Freedom Vital Office Visit/Outpatient Services* Primary Care Doctor/ Specialist/Convenience Care 20% of the cost $15 primary copay $40 specialist copay Urgent Care Web/Phone Based Technologies Diagnostic Tests, X-Rays, Lab Services and Radiology Services Outpatient Mental Health 20% of the cost Not covered outside the U.S. You get unlimited access to and pay $0 for: - virtuwell - Electronic visits (E-visit) - Scheduled Telephone Visits $0 copay for lab services 20% of the cost for - diagnostic procedures and tests - X-rays - diagnostic radiology services (MRI, CT) - therapeutic radiology services (cancer treatment) 20% of the cost for individual or group therapy visits. $40 copay 20% of the cost outside the U.S. You get unlimited access to and pay $0 for: - virtuwell - Electronic visits (E-visit) - Scheduled Telephone Visits $0 copay for lab services - diagnostic procedures and tests 10% of the cost for - X-rays - therapeutic radiology services (cancer treatment) 20% of the cost for diagnostic radiology services (MRI, CT) $40 copay/individual therapy visit $20 copay/group therapy visit Outpatient Substance Abuse 20% of the cost $40 copay Acupuncture Not covered $35 copay Chiropractic Services 20% of the cost $15 copay Podiatry Services 20% of the cost (medically necessary services) $40 copay (medically necessary services) Rehabilitation Services** Cardiac and Pulmonary Rehabilitation Services 20% of the cost $40 copay 20% of the cost $0 copay * In-network providers ** Occupational and physical therapy, speech and language pathology or ; TTY or
17 PLAN DETAILS Freedom Balance Freedom Ultimate $15 copay $0 copay $15 copay 20% of the cost outside the U.S. You get unlimited access to and pay $0 for: - virtuwell - Electronic visits (E-visit) - Scheduled Telephone Visits $0 copay for - lab services - X-rays - diagnostic procedures and tests - therapeutic radiology services (cancer treatment) 20% of the cost for diagnostic radiology services (MRI, CT) $0 copay 20% of the cost outside the U.S. You get unlimited access to and pay $0 for: - virtuwell - Electronic visits (E-visit) - Scheduled Telephone Visits $0 copay for - lab services - X-rays - diagnostic procedures and tests - therapeutic radiology services (cancer treatment) 10% of the cost for diagnostic radiology services (MRI, CT) $15 copay/individual therapy visit $7.50 copay/group therapy visit $0 copay $15 copay $0 copay $15 copay $0 copay $15 copay $0 copay $15 copay (medically necessary services) $0 copay (medically necessary services) $15 copay $0 copay $0 copay $0 copay healthpartners.com/medicare 17
18 HEALTHPARTNERS FREEDOM PLAN Benefit Category Hospital, Inpatient* Inpatient Hospital Care (Includes Mental Health, Substance Abuse and Rehabilitation Services) Skilled Nursing Facility (SNF)** (In a Medicare-certified skilled nursing facility) Freedom Basic $600 copay for each benefit period Plan covers 90 days each benefit period You get up to 190 days in a psychiatric hospital in a lifetime Plan covers 60 lifetime reserve days $0 copay per lifetime reserve stay Days 1-20 $0 copay per day Days $130 copay per day Plan covers up to 100 days each benefit period Freedom Vital $300 copay for each benefit period $0 copay for additional non-medicare-covered hospital days No limit to the number of days covered by the plan each benefit period Contact the plan for details about coverage in a psychiatric hospital beyond 190 days Days 1-20 $0 copay per day Days $100 copay per day Plan covers up to 100 days each benefit period * In-network providers **Medically necessary intermittent skilled nursing care, home health aide services, rehabilitation services or ; TTY or
19 PLAN DETAILS Freedom Balance Freedom Ultimate $200 copay for each benefit period $0 copay for additional non-medicare-covered hospital days No limit to the number of days covered by the plan each benefit period Contact the plan for details about coverage in a psychiatric hospital beyond 190 days $100 copay for each benefit period $0 copay for additional non-medicare-covered hospital days No limit to the number of days covered by the plan each benefit period Contact the plan for details about coverage in a psychiatric hospital beyond 190 days $0 copay Plan covers up to 100 days each benefit period $0 copay Plan covers up to 100 days each benefit period Benefit Period Begins the day you re admitted as an inpatient in a hospital or SNF and ends when you haven t received inpatient hospital care (or skilled care in a SNF) for 60 days in a row. healthpartners.com/medicare 19
20 HEALTHPARTNERS FREEDOM PLAN Benefit Category Freedom Basic Freedom Vital Hospital, Outpatient Surgery* Ambulatory Surgery 20% of the cost $150 copay Outpatient Hospital 20% of the cost $0 copay Outpatient Medical Services and Supplies* Durable Medical Equipment 20% of the cost 20% of the cost Prosthetic Devices 20% of the cost 20% of the cost Diabetes Self-Monitoring Training, Nutrition Therapy $0 copay $0 copay Diabetes Supplies 20% of the cost 20% of the cost Kidney Disease and Conditions Other Services* 20% of the cost for renal dialysis $0 copay for education services $0 copay $0 copay for education services Home Health Care** $0 copay $0 copay * In-network providers ** Medically necessary intermittent skilled nursing care, home health aide services, rehabilitation services or ; TTY or
21 PLAN DETAILS Freedom Balance Freedom Ultimate $100 copay $50 copay $0 copay $0 copay 20% of the cost 20% of the cost 20% of the cost 20% of the cost $0 copay $0 copay 20% of the cost 20% of the cost $0 copay $0 copay for education services $0 copay $0 copay for education services $0 copay $0 copay healthpartners.com/medicare 21
22 HEALTHPARTNERS FREEDOM PLAN Benefit Category Emergency Services* Freedom Basic Freedom Vital Ambulance Services 20% of the cost 20% of the cost Emergency Room Visit** $100 copay in U.S. Not covered outside the U.S. except under limited circumstances. Contact the plan for more details. $75 copay in U.S. 20% of the cost outside the U.S. Hearing/Vision Services* Annual Routine Check Not covered 0% to 20% of the cost for annual glaucoma screening $0 copay $0 to $40 copay for annual glaucoma screening Diagnostic Exams 0% to 20% of the cost $0 to $40 copay Hearing Aids Not covered. Discounts up to 30%. Not covered. Discounts up to 30%. Eye Glasses $0 copay for one pair of eyeglasses (lenses and frames) or contact lenses after cataract surgery $0 copay for one pair of eyeglasses (lenses and frames) or contact lenses after cataract surgery Drugs Covered Under Medicare Part B* 20% of the cost 0%-20% of the cost $0 copay for Part B injections in a physician s office * In-network providers ** If you are admitted to the hospital within 24-hours for the same condition, you pay $0 for the emergency room visit or ; TTY or
23 PLAN DETAILS Freedom Balance Freedom Ultimate 10% of the cost $0 copay $65 copay in U.S. 20% of the cost outside the U.S. $50 copay in U.S. 20% of the cost outside the U.S. $0 copay $0 to $15 copay for annual glaucoma screening $0 copay $0 copay for annual glaucoma screening $0 to $15 copay $0 copay Not covered. Discounts up to 30%. Not covered. Discounts up to 30%. $0 copay for one pair of eyeglasses (lenses and frames) or contact lenses after cataract surgery $0 copay for one pair of eyeglasses (lenses and frames) or contact lenses after cataract surgery 0%-20% of the cost $0 copay for Part B injections in a physician s office 0%-20% of the cost $0 copay for Part B injections in a physician s office healthpartners.com/medicare 23
24 HEALTHPARTNERS FREEDOM PLAN OPTIONAL PRESCRIPTION DRUG COVERAGE Freedom Freedom Vital with Rx Basic Benefit Category Your Cost Prescription Drug Coverage Under Medicare Part D* Monthly Premium ** (Medical + Rx = Total) Not offered $54 + $10 Total: $64 $94 + $24.80 Total: $ Deductible Not offered Tiers 1-4: $175; Tier 5: none Tiers 1-4: $125; Tier 5: none Initial Coverage (until you and the plan pay $2,960) Coverage Gap (after you and the plan pay $2,960) Catastrophic Coverage (after only you pay $4,700) Not offered Not offered Not offered Tier 1: $5; Tier 2: $20; Tier 3: $45; Tier 4: $95; Tier 5: 33% You pay 65% for generics and 45% for brand drugs. You pay 5% or $2.65 for generics and 5% or $6.60 for all brand drugs, whichever is greater. * In-network pharmacies **You must continue to pay your Medicare Part B premium. Call HealthPartners Medicare Sales at the numbers on page 28 for more details. Freedom Balance with Rx Tier 1: $5; Tier 2: $15; Tier 3: $45; Tier 4: $95; Tier 5: 33% You pay 65% for generics and 45% for brand drugs. You pay 5% or $2.65 for generics and 5% or $6.60 for all brand drugs, whichever is greater. Save on your prescriptions! $ Preferred Generic Drugs $$ Non-preferred Generic Drugs $$$ Preferred Brand Drugs $$$$ Non-preferred Brand Drugs $$$$$ Specialty Drugs Drug Tier: A system of copays or coinsurance for the different kinds of prescription drugs. Generally, a drug in a lower tier will cost you less than a drug in a higher tier. Specialty drugs: Very high-cost and used to treat rare conditions or ; TTY or
25 PLAN DETAILS Freedom Ultimate with Rx Freedom Ultimate with Enhanced Rx $151 + $39.70 Total: $ $151 + $ Total: $ Tiers 1-4: $160; Tier 5: none Tiers 1-4: $100; Tier 5: none Tier 1: $5; Tier 2: $15; Tier 3: $45; Tier 4: $95; Tier 5: 33% Tier 1: $5; Tier 2: $12; Tier 3: $40; Tier 4: $65; Tier 5: 33% You pay 65% for generics and 45% for brand drugs. Tier 1: $5; Tier 2: $12; Tier 3: 40%*** and costs are further reduced by 50% You pay 5% or $2.65 for generics and 5% or $6.60 for all brand drugs, whichever is greater. You pay 5% or $2.65 for generics and 5% or $6.60 for all brand drugs, whichever is greater. *** Retail and mail order pharmacies with preferred cost-sharing. You pay 45% of the costs at mail order pharmacies with standard cost-sharing and costs are further reduced by 50%. Formulary A list of drugs that are covered by your plan. WANT TO SEE IF YOUR DRUG IS ON OUR FORMULARY? Visit healthpartners.com/medicarerx or give us a call. healthpartners.com/medicare 25
26 HEALTHPARTNERS FREEDOM PLAN OPTIONAL DENTAL COVERAGE Enroll when you re first eligible or between October 15 and December 31. Benefit Category Dental Coverage * Freedom Basic Freedom Vital Monthly Premium Not offered $39.90 Preventive and Diagnostic Care - Routine examinations, cleanings and X-rays Sealants - Pit and fissure sealants Regular and Restorative Care - Fillings and oral surgery - Periodontics and endodontics Special Restorative Care - Restorative crowns and onlays Prosthetics - Bridges - Dental Implants (up to $500 per calendar year) - Dentures and partial dentures Not offered Not offered Not offered Not offered Not offered $0 (100% coverage) 50% of the cost 50% of the cost 50% of the cost 50% of the cost Annual Deductible -For regular and restorative care, special restorative care and prosthetics Not offered $50 $0 for preventive and diagnostic services Annual Maximum Benefit Not offered $1,100** Preventive and diagnostic services do apply to the annual maximum. *In-network **For out-of-network services in the service area, the maximum benefit is $200 and subject to the $1,100 maximum benefit or ; TTY or
27 PLAN DETAILS Freedom Balance Freedom Ultimate $39.90 $39.90 $0 (100% coverage) $0 (100% coverage) 50% of the cost 50% of the cost 50% of the cost 50% of the cost 50% of the cost 50% of the cost 50% of the cost 50% of the cost $50 $0 for preventive and diagnostic services $50 $0 for preventive and diagnostic services $1,100** Preventive and diagnostic services do not apply to the annual maximum. $1,100** Preventive and diagnostic services do not apply to the annual maximum. healthpartners.com/medicare 27
28 HEALTHPARTNERS FREEDOM PLAN CONTACT US At any time during your research and enrollment process, knowledgeable HealthPartners representatives are standing by to help answer your questions. CALL MEDICARE SALES: or TTY or From October 1 through February 14, we take calls from 8 a.m. to 8 p.m., seven days a week. You ll speak with a representative. From February 15 to September 30, call us 8 a.m. to 8 p.m. Monday through Friday to speak with a representative. On Saturdays, Sundays and Federal holidays, you can leave a message and we ll get back to you within one business day. medicaresales@healthpartners.com GO ONLINE: healthpartners.com/medicare Other helpful resources for Medicare decision-making: MEDICARE medicare.gov 800-MEDICARE 24 hours a day, seven days a week SOCIAL SECURITY ADMINISTRATION ssa.gov/pgm/medicare.htm a.m. to 7 p.m. Monday through Friday SENIOR LINKAGE LINE mnaging.org/advisor/sll a.m. to 4:30 p.m. Monday through Friday STOP BY: HealthPartners Medicare Sales rd Ave S Bloomington, MN You can also attend one of our community meetings. Call or go online to find and register for the next one in your area! or ; TTY or
29 ENROLL NOW Questions to ask When researching your options, here are good questions for any plan you are considering: Can I keep my doctor? Do I need referrals to see specialists? Are my medicines covered? What options do I have if I need to change my level of coverage in the future? Is there coverage if I plan to travel? NOTES healthpartners.com/medicare 29
30 HEALTHPARTNERS FREEDOM PLAN or ; TTY or
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32 HealthPartners is a Cost plan with a Medicare contract. Enrollment in HealthPartners depends on contract renewal. If you attend a community meeting, a sales person will be present with information and applications. For accommodations of persons with special needs at sales meetings, call HealthPartners Medicare Sales at the numbers on page 28. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and copayments/coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. The Silver&Fit program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated (ASH). All programs and services are not available in all areas. Silver&Fit, Silver&Fit Connected!, the Silver&Fit logo, and The Silver Slate are federally registered trademarks of ASH and used with permission herein rd Ave S Bloomington MN, (8/14) 2014 HealthPartners
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