HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU!

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1 HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU! Y0051_2387 Accepted

2 WHAT YOU NEED TO KNOW ABOUT MEDICARE When you re helping a friend or family member choose a Medicare plan, be sure you look to the stars first the Star Rating given by Medicare to every Medicare Advantage plan in the country. Plans with four-to-five stars offer the highest quality and service in health insurance coverage. Then look for a company that has a good track record of experience and stands behind its promise of service. MVP Health Care insures almost 80,000 Medicare members in New York State and Vermont and is 30+ years strong. We are experts at helping you understand Medicare in simple, easy language. Next, read these 5 Steps from MVP for a quick overview of key terms, important dates, and things to consider when shopping for a plan. We want everyone to be a smart Medicare shopper. QUESTIONS? Talk To MVP s Medicare Experts CALL Experienced MVP Medicare Products Advisors are available Monday-Friday, 8 am to 5 pm. MVP s Medicare Customer Care Center: ; TTY: , Monday - Friday, 8 am to 8 pm. From October 1 February 14, call us every day 8 am to 8 pm. 1

3 STEP 1: LEARN THE MEDICARE ABCs AND D WHAT IS MEDICARE? Medicare provides health insurance benefits for people age 65 years and older, as well as certain people under 65 with disabilities or specific medical conditions. WHAT IS A MEDICARE ADVANTAGE PLAN? A Medicare Advantage plan includes the same benefits as basic Medicare, plus more coverage. It is offered through a health plan, such as MVP Health Care. For many people, it provides the right balance of value, affordability and peace of mind. It s very easy to use and simple to understand. Medicare rates these plans on a 5-Star system for quality, customer service, and satisfaction with a plan and its doctors. HOW DOES A MEDICARE ADVANTAGE PLAN COMPARE TO A MEDIGAP OR SUPPLEMENTAL PLAN? MVP Medicare Advantage plans offer more coverage than basic Medicare, with less hassle than supplemental plans or Medigap coverage: Medicare Advantage plans can cost less annually than Medigap or supplemental Medicare, saving you money. Medicare Advantage plans have virtually no paperwork and just one monthly bill for both medical and drug coverage, saving you time and energy. WHAT ARE THE ABCs AND PART D OF MEDICARE? Part A is for Hospital Stays. If you re entitled to Part A, it helps cover basic hospitalization for no monthly premium but you may still have to pay out-of-pocket costs for some services, including a deductible. Part B is for Doctor Visits. Part B helps cover medical services such as visits to a doctor s office, outpatient care and some prescription drugs. Some services will require that you pay a percentage of the cost in addition to a yearly deductible. You pay a monthly premium, based on income, for Part B, which is usually deducted directly from your Social Security check. Part C is Medicare Advantage Plans. Part C plans are administered by health insurance companies. They include all the benefits of Parts A and B, plus more. You usually pay a monthly premium for a Part C plan, in addition to the Part B premium that is deducted from your Social Security check each month. Part D is Prescription Drug Coverage (often included with Part C plans). There is generally a monthly premium based on income for Part D coverage, which is added together with your Part C premium in one convenient monthly bill. If you are low income or are on both Medicare and Medicaid, you may be eligible for extra help with Part D drug coverage. 2

4 STEP 2: KNOW WHEN TO ENROLL If the person you re helping is age 65 or over, they can typically join or change plans October 15th to December 7th. If not 65 yet, they can usually sign up for a plan as early as 3 months before their 65 th birthday. In certain situations, people with Medicare are eligible for a special enrollment period, for example, they just retired, relocated, left their employer group coverage, or are on both Medicare and Medicaid. Meet With Us to Connect, Ask, And Understand Your Medicare! Attend an MVP informational meeting to: Get simple, easy-to-understand answers to questions that matter to you. Learn how Medicare works in clear, simple language. Meet with one of our expert MVP Medicare Products Advisors. Be a smart Medicare shopper it s a great opportunity to get the information you need! Go to joinmvpmedicare.com/meetings/ 3

5 STEP 3: DOES THE PERSON YOU RE HELPING WANT TO LIVE HEALTHY, SAVE MONEY AND GET HELP DOING IT? When it comes to Medicare, everyone has different needs and preferences. These benefits are included with MVP Medicare Advantage plans at no added cost! $0-cost SilverSneakers Membership $100 Allowance Get healthy with a complimentary gym membership, designed exclusively for Medicareeligible adults. Every member starts every year with $100 HealthDollars SM to spend on healthy activities! $0-cost Medication Review An MVP pharmacist reviews the drugs you are taking and discusses safety and lower-cost alternatives. $0-cost Preventive Services MVP s got you covered in full for annual physicals and preventive screenings. $0 or $3-cost Generic Drugs MVP Medicare Advantage plans feature $0 or $3 copays on lots of popular prescriptions! MVP Medicare Products Advisors have the details. $0-cost Deductible on All Medical Services Pay just your copays, and we pay the rest! Talk with the person you re helping about options like these that can help them live the way they want to live. 4

6 MVP s Medicare Advantage plans are all quality rated 4.5 Stars for STEP 4: LEARN HOW TO BE A SMART MEDICARE SHOPPER As with any major purchase, you want to make sure you re helping your friend or family member make a smart decision about Medicare. Talk to people you can trust, like an MVP Medicare Products Advisor. We re ready to help you navigate Medicare and choose a plan that will fit the lifestyle that person wants to live. Remember, too, that Medicare s Star Rating system is a sure, simple way to compare Medicare Advantage plans measuring things like quality, customer service and satisfaction with a plan and its doctors. All MVP Medicare medical health plans are rated 4.5 Stars out of 5 overall by Medicare for high quality and excellent service. Medicare plan options vary from county to county. For more information about Medicare in general and Star Ratings, visit medicare.gov. STEP 5: FIND PLANS IN YOUR AREA To see the MVP Medicare Advantage plans available to the person you re helping: Go to joinmvpmedicare.com MVP Health Plan, Inc. is an HMO-POS/PPO organization with a Medicare contract. Enrollment in MVP Health Plan depends on contract renewal. 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/or copayments/coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next. 5

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