Choosing a Medicare prescription drug plan.
|
|
- Barnard Little
- 2 years ago
- Views:
Transcription
1 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 D drug payment stages Discover ways to add prescription drug coverage to your existing plan Learn about the coverage gap Y0066_131202_ Accepted
2 Choosing a Part D prescription drug plan. Medicare Part D is health care coverage that helps you pay for the prescription drugs you use. Original Medicare (Parts A and B) does not cover most prescription drugs. If you currently use prescription drugs or think you may in the future, you may want to enroll in a Part D plan. It s your choice. Part D plan enrollment is optional. However, if you wait to enroll in a Part D plan until after your Initial Enrollment Period (IEP), you may have to pay a late-enrollment fee. 1 Here are a few things to know about Medicare Part D plans: Part D plans may help you save on the cost of your prescriptions. Predictable drug costs may help you manage your health care budget. 2 MedicareMadeClear.com
3 Am I eligible for a Part D plan and how does it work? Everyone who qualifies for Medicare is eligible for a Part D plan. You cannot be refused enrollment in a Part D plan if you enroll when you first become eligible for Medicare. However, you must enroll in a Part D plan through a private insurance company. There are two ways you can be covered by Part D: 1. With a stand-alone Part D prescription drug plan (PDP). 2. With a Medicare Part C (Medicare Advantage) plan that includes Part D (MAPD). What should I consider when choosing a Part D plan? All Part D plans must meet the same basic guidelines created by the federal government. But not all plans are the same. Helpful tips: Each plan has a list of drugs that it covers. This list is called a formulary. Before choosing a Part D plan, review its formulary to make sure the drugs you need are covered. Each plan has different costs. When deciding on a plan, check the annual deductible, premiums, copays and coinsurance to see how much you ll likely pay. If you want Part D coverage, you must choose either a stand alone Part D plan or a Part C Medicare Advantage plan that includes Part D. You can t enroll in both. Even if you re not taking many prescription drugs today, it may be smart to enroll in Part D when you become eligible for Medicare. That s because if you wait to sign up, you may have to pay Medicare s late-enrollment penalty. 1 This is a fee that gets added to your premium unless you qualify for an exception. Choosing a Prescription Drug Plan 3
4 When can I enroll in Part D? You can enroll in Part D when you first become eligible for Medicare, which is known as the Initial Enrollment Period (IEP). For most, this includes the three months before the month you turn 65, the month of your birthday, and the three months after. The start date for your coverage depends on when you enroll: If you enroll before your birthday month begins, coverage starts on the first day of your birthday month. If you enroll during your birthday month or later, coverage starts on the first day of the month following the date you enroll. If I choose Part D coverage, can I change it later? If your needs change or if you are not satisfied with your plan, you can change your Part D plan every year during the Medicare Open Enrollment Period (OEP), from October 15 to December 7. You can also switch plans if you move out of your plan s service area. Tip Your Part D coverage will continue automatically each year unless you change plans or your insurance company stops offering you a plan. 4 MedicareMadeClear.com
5 What if I can t afford the Part D costs? If you are on a limited income and you enroll in Part D, you may qualify for Extra Help to pay for your premiums, deductibles and copays. To see if you qualify for Extra Help, call Medicare at MEDICARE ( ), TTY , 24 hours a day, 7 days a week. Or call the Social Security Administration at , TTY , between 7 a.m. and 7 p.m., Monday through Friday. You can also call your state Medicaid office for more information and assistance. Choosing a Prescription Drug Plan 5
6 What is the coverage gap or donut hole? Understanding the coverage gap. In each drug payment stage, the amount you pay for your prescription drugs may be different. Although most people don t enter the coverage gap, it s important to know how your costs may change during this phase. Part D plans have four different drug payment stages. Reference the chart on the next page for more information about the coverage gap. Stage 1 is the annual deductible stage. Your plan may or may not have a deductible. If your plan does, you must pay the annual deductible before the plan will pay for your prescription drugs. If your plan does not have a deductible, you start at the initial coverage stage immediately. Stage 2 is the initial coverage stage. Most of your prescription drugs are covered based on your formulary. Stage 3 is the coverage gap, which is often called the donut hole. Most people do not enter this stage. Stage 4 is the catastrophic coverage stage. This stage is designed to help people with very high drug costs. 6 MedicareMadeClear.com
7 DRUG PAYMENT STAGES Annual deductible If your plan has a deductible, you pay the total cost of your drugs until you reach the deductible amount set by your plan. Then you move to the initial coverage stage. Initial Coverage In this drug payment stage: You pay a copay or coinsurance (percentage of a drug s total cost) The plan pays the rest. You stay in this stage until your total drug costs reach $2,960. Coverage Gap (Donut Hole) After your total drug costs reach $2,960: You pay: 45% of the cost of brand name drugs. 65% of the cost of generic drugs. You stay in this stage until your total out of pocket costs reach $4,700. Catastrophic Coverage After your total out-of-pocket costs reach $4,700: You pay a small copay or coinsurance amount. You stay in this stage for the rest of the plan year. Total Drug Costs: The amount you pay (or others pay on your behalf) and the plan pays for prescription drugs starting January This does not include premiums. Out-of-Pocket Costs: The amount you pay (or others pay on your behalf) for prescription drugs starting January This does not include premiums. Amounts listed reflect the 2015 plan year. The coverage cycle starts over each year on January 1. Medicare sets the rules about which payments count toward your out-of-pocket and total drug costs. Choosing a Prescription Drug Plan 7
8 Part D: Key terms. Coinsurance An amount you pay that s a percentage of a drug s total cost. Copay A set amount you pay for each prescription you fill. Deductible A preset amount you must pay for prescription drugs before the plan begins to help with coverage. Drug tiers Drugs are classified into five tiers. In general, the lower the tier, the lower the drug cost. Formulary (Drug List) A list of the prescription drugs covered by a Medicare Part D plan. Some plans have a tiered formulary. This means drugs with similar functions may have different costs. For example, a generic drug may cost less than a brand name version. You should choose a plan that covers all or most of the drugs you take. Out-of-pocket costs The total amount you pay (or others pay on your behalf) for your prescription drugs in a calendar year, not including your plan premium. True Out-of-Pocket costs (TrOOP) The total amount of out-of-pocket costs you have paid since January 1. This includes deductibles, copays, coinsurance and other drug payments. It does not include premiums. 8 MedicareMadeClear.com
9 1 2 How do I get started? Visit Medicare.gov to see which plans are available in your area. Review each plan s formulary (drug list). Make sure the drugs you need are covered. If one of your drugs is not on the formulary, your doctor may be able to help you find a covered drug that will work for you. 3 4 the coverage gap stage. Review the costs for each plan, including the annual deductible, copays and coinsurance, and your costs during Review the pharmacies in the plan network. Some plans include a convenient mail order pharmacy that may save you money. Choosing a Prescription Drug Plan 9
10 Notes 10 MedicareMadeClear.com
11 Notes Choosing a Prescription Drug Plan 11
12 Interested in learning more? Check out MedicareMadeClear.com to watch videos, sign up for our newsletter, take quizzes, find tools and get answers to your Medicare questions. Stay informed: Twitter Facebook YouTube Newsletter Additional information resources: Visit Medicare.gov Call MEDICARE ( ), TTY , 24 hours a day, 7 days a week Call your local State Health Insurance Assistance Program (SHIP) to see if you qualify for any financial assistance MedicareMadeClear.com 1 If you qualify for Extra Help, you will not have a late-enrollment penalty (LEP). Also, if you have other prescription coverage at least as good as Medicare (also known as creditable coverage), you may not be assessed a LEP. Copyright 2014 United HealthCare Services, Inc. All rights reserved. No portion of this work may be reproduced or used without express written permission of United HealthCare Services, Inc., regardless of commercial or non-commercial nature of the use. Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan s contract renewal with Medicare. SPRJ20814
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
Getting started with Medicare.
Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See
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
Medicare Made Clear An overview of Medicare for Benefi ts Administrators
Medicare Made Clear An overview of Medicare for Benefi ts Administrators Get Answers: Medicare Education Helping your employees understand Medicare Medicare helps nearly 50 million older and disabled Americans
Getting started with Medicare.
Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See
City of Arlington Open Enrollment Meeting. November, 2015
City of Arlington Open Enrollment Meeting November, 2015 WELCOME Why We re Here Step 1: Learn about your options Step 2: Consider your choices Step 3: Enroll in a plan Already enrolled? What do I need
Things to think about when you compare Medicare drug coverage
Things to think about when you compare Medicare drug coverage Revised September 2015 There are 2 ways to get Medicare prescription drug coverage. You can join a Medicare Prescription Drug Plan and keep
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
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
CENTERS FOR MEDICARE & MEDICAID SERVICES. Cost
CENTERS FOR MEDICARE & MEDICAID SERVICES Things to Think about when You Compare Medicare Drug Coverage You have two options to get Medicare coverage for your prescription drugs. If you have Original Medicare,
Medicare doesn t have to be complicated. This guide is provided to help you better understand Medicare and how a Medicare Advantage plan may offer
clarity YOUR GUIDE TO MEDicare AdvantaGE Medicare doesn t have to be complicated. This guide is provided to help you better understand Medicare and how a Medicare Advantage plan may offer the coverage
Medicare Made Clear. Helping your employees and volunteers understand Medicare.
Medicare Made Clear Quick Reference Guide Helping your employees and volunteers understand Medicare. Medicare helps nearly 50 million older and disabled Americans save on their health care expenses. But
CENTERS FOR MEDICARE & MEDICAID SERVICES
CENTERS FOR MEDICARE & MEDICAID SERVICES Things to think about when you compare Medicare drug coverage There are 2 ways to get Medicare prescription drug coverage. You can join a Medicare Prescription
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
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
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
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).
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
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
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 Made Clear Answer Guide
Medicare Made Clear Answer Guide Y0066_100820_113217 File & Use 08252010 Medicare can be confusing. How do you find the best options to fit your needs? This guide has some answers that may be helpful.
Annual Notice of Changes for 2014
ConnectiCare VIP Employer Group (HMO-POS) offered by ConnectiCare, Inc. Connecticut Business & Industry Association (CBIA) Annual Notice of Changes for 2014 You are currently enrolled as a member of ConnectiCare
Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable
MEDICARE PRESCRIPTION DRUG COVERAGE Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable The Affordable Care Act includes benefits to make your Medicare prescription drug coverage
Getting started with Medicare.
Getting started with Medicare. Look inside to: Learn about Medicare Compare plans and choose the right one for you See if you qualify for financial help Learn how to enroll in Medicare if you plan on working
HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU!
HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU! Y0051_2387 Accepted WHAT YOU NEED TO KNOW ABOUT MEDICARE When you re helping a friend or family member choose a Medicare plan, be sure you
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
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
Annual Notice of Changes for 2014
First Health Part D Premier Plus (PDP) offered by Cambridge Life Insurance Company Annual Notice of Changes for 2014 Dear Member, You are currently enrolled as a member of First Health Part D Premier Plus
Summary of Benefits. Blue Shield of California Medicare Rx Plan (PDP)
Summary of Benefits Blue Shield of California Medicare Rx Plan (PDP) An employer-sponsored Medicare Prescription Drug Plan for University of California (UC) retirees January 1, 2015 December 31, 2015 State
FREQUENTLY ASKED QUESTIONS REGARDING CHANGE TO MEDICARE ADVANTAGE PLAN
FREQUENTLY ASKED QUESTIONS REGARDING CHANGE TO MEDICARE ADVANTAGE PLAN Q: What company administers the Medicare Advantage plan? A: The Medicare Advantage plan for the year of 2016 will be administered
You have from October 15 until December 7 to make changes to your Medicare coverage for next year.
Advantra Gold (HMO) offered by HealthAmerica Pennsylvania, Inc. Annual Notice of Changes for You are currently enrolled as a member of Advantra Gold (HMO). Next year, there will be some changes to the
2016 Plan Decision Guide Your guide to making an informed Medicare Part D choice
2016 Plan Decision Guide Your guide to making an informed Medicare Part D choice SilverScript is a Prescription Drug Plan with a Medicare contract offered by SilverScript Insurance Company. Enrollment
Choosing a Medicare supplement insurance plan.
Choosing a Medicare supplement insurance plan. Medicare Made Clear TM Get Answers Series Look inside to: Understand how Medicare supplement insurance plans work Compare plans and choose the right one for
MEDICARE.GOV DRUG PLAN FINDER TOOL
MEDICARE.GOV DRUG PLAN FINDER TOOL Part 1 Part 2 A General Search is adequate for most people --The only required entry is your zip code Page 1 of 12 Part 3 Check the appropriate box under each section
Saving Money on Medicare Plans
Saving Money on Medicare Plans Tips for making the most of the Medicare Open Enrollment Period Oct. 15 - Dec. 7 2012. All rights reserved. Longevity Alliance, Inc. does business under the name Longevity
Things you need to know about Medicare.
Things you need to know about Medicare. 1 2 3 1OPTION Original Medicare We re here to help. Approaching 65 is an important milestone in life, and becoming eligible for Medicare is part of that. Whether
2014 Benefit Overview
Express Scripts Medicare Prescription Drug Plan (PDP) 2014 Benefit Overview For TRS-Care 3 or Aetna Medicare Advantage Care 3 Participants Becoming Eligible for Medicare Welcome to Express Scripts Medicare
Annual Notice of Changes for 2016
GlobalHealth Medicare Option 1 (HMO) offered by GlobalHealth, Inc. Annual Notice of Changes for 2016 You are currently enrolled as a member of GlobalHealth Medicare Option 1 (HMO). Next year, there will
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
2015 Summary of Benefits Pennsylvania and West Virginia
Blue Rx PDP 2015 Summary of Benefits Pennsylvania and West Virginia S5593_14_0232 Accepted SECTION ONE: INTRODUCTION TO SUMMARY OF BENEFITS Blue Rx Plus (PDP) and Blue Rx Complete (PDP) January 1, 2015
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?
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
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
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
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
Medicare Part D and You for 2013. (Individuals and Families)
Medicare Part D and You for 2013 (Individuals and Families) What is Medicare Part D? Drug coverage which helps you pay for the medicines you need if you do not have other prescription drug coverage Voluntary
Please read the important instructions in this letter regarding requesting disenrollment from UnitedHealthcare.
Dear Member, Please read the important instructions in this letter regarding requesting disenrollment from UnitedHealthcare. Please look at the checklist below and see what situation applies to you. Each
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
ANNUAL NOTICE OF CHANGES FOR 2016
Cigna HealthSpring TotalCare (HMO SNP) offered by Cigna HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna HealthSpring TotalCare (HMO SNP). Next year, there
5 Mistakes to Avoid MAKE NO MISTAKES MEDICARE WEBINAR: Thinking that Medicare has four parts. www.65incorporated.com
MAKE NO MISTAKES MEDICARE WEBINAR: 5 Mistakes to Avoid MISTAKE #1: Thinking that Medicare has four parts. Medicare has three parts that go together into two paths. 1. The three parts of Medicare:» Part
Frequently Asked Questions: Medicare Supplement & Medicare Advantage
Frequently Asked Questions: Medicare Supplement & Medicare Advantage Who is eligible for CBIA s Medicare program? A CBIA Health Connections participant is eligible for either plan if they are qualified
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,
ANNUAL NOTICE OF CHANGES FOR 2016
Cigna HealthSpring TotalCare SMS (HMO SNP) offered by Cigna HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna HealthSpring TotalCare SMS (HMO SNP). Next year,
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
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...
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
New Coverage New Choices 10/31/2011
New Coverage New Choices 10/31/2011 What We Will Cover Today What is changing and why. How this affects you. Get to know Extend Health and the services available to you. A look at the Medicare marketplace.
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
SMART Humana Group Medicare
SMART Humana Group Medicare Group Medicare GHHHNYFEN 0813 Overview of Humana Medicare Medicare is the largest government-sponsored health insurance program in the United States, serving more than 49 million
Annual Notice of Changes for 2015
UPMC for You Advantage (HMO SNP) offered by UPMC for You, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of UPMC for You Advantage. Next year, there will be some changes
Please read the important instructions in this letter regarding requesting disenrollment from UnitedHealthcare.
Dear Member, Please read the important instructions in this letter regarding requesting disenrollment from UnitedHealthcare. Please look at the checklist below and see what situation applies to you. Each
Your Medicare Options
H H FOR GUIDE ESSENTIAL AN H H AN ESSENTI Your Medicare Options H MEDICARE BENEFICIARIES IN ALABAMA RIES IN ALABAMA Y0106_GBKLT_15 Accepted Thank you for your interest in Blue Cross and Blue Shield of
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
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
MEDICARE PLANS. from Blue Cross and Blue Shield of Minnesota. H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015
2016 MEDICARE PLANS from Blue Cross and Blue Shield of Minnesota H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015 CHOOSING YOUR MEDICARE PLAN Medicare options designed
Choose the Medicare Advantage Plan That s Right for You
Choose the Medicare Advantage Plan That s Right for You Indiana University Health Plans is a Medicare Advantage organization with a Medicare contract. Other pharmacies/physicians/providers are available
MEDICARE PART D. Types of Part D Plans: PDP and MAPD. Help with your Prescription Drug Costs
MEDICARE PART D PRESCRIPTION DRUG 2015 Part D Plan Costs COVERAGE Types of Part D Plans: PDP and MAPD Help with your Prescription Drug Costs Need information about Medicare drug plans? Call the Center
PDP. Ask. Learn. Understand your Medicare. With a little help from HAP. hap.org/medicare. (800) 868-3153 or TTY/TDD (800) 649-3777
Alliance Medicare Rx (pdp) Prospective members: If you have questions, or for full information about our benefits, enrollment periods or plan network, call a licensed HAP Medicare Sales Representative
Your 2014 Guide to. Medicare Part D. Have you done your yearly Medicare Part D Plan review?
Your 2014 Guide to Medicare Part D Have you done your yearly Medicare Part D Plan review? The Fall Open Enrollment Period, during which people with Medicare can make unrestricted changes to their coverage
Before we discuss the differences between Part A and Part B, there are two terms that are important to understand: deductible and benefit period.
SLIDE 1 The ABCD s of Medicare Welcome to Health First s presentation of The ABCDs of Medicare. This is not a sales presentation it s for educational purposes and no plan specific benefits or details will
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
MEDICARE MYSTERY. Taking the OUT OF. Your how-to guide for finding the right plan for your needs
Taking the MYSTERY OUT OF MEDICARE Your how-to guide for finding the right plan for your needs S6506_071015_B01a CMS Accepted 08/15/2015 H0302_565_2016 CMS Accepted 08/15/2015 An independent licensee of
Health Insurance After Age 65
1 GUIDE TO MEDICARE PLANNING Health Insurance After Age 65 Whether you are retired or still working, Medicare will likely become part of your life after you turn 65. In the United States today, most health
First Name Middle Initial Last Name. Home Address. City State Zip. E-mail Date of Birth Sex: Male Female
800.334.1330 254.773.1330 fax 254.774.7652 4912 Midway Drive Post Office Box 6130 Temple, TX 76503-6130 www.carehealthplan.com A. PLEASE INDICATE WHICH PLAN YOU WISH TO ENROLL IN: Plan #4000 - Supplement
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
Medicare Resource Guide
Medicare Resource Guide Patient Name Dear Patient, Please take the time to read the following sections of this brochure as noted by your healthcare provider. These different components of Medicare deal
Aetna Medicare Rx (PDP) Offered by Aetna Life Insurance Company
Aetna Medicare Rx (PDP) Offered by Aetna Life Insurance Company Annual Notice of Changes for 2016 Enclosed are your 2016 Annual Notice of Changes (ANOC), Evidence of Coverage (EOC), and Formulary (list
Annual Notice of Changes for 2014
Advocare Spirit Rx (HMO-POS) offered by Security Health Plan of Wisconsin, Inc. Annual Notice of Changes for 2014 You are currently enrolled as a member of Advocare Spirit Rx (HMO-POS). Next year there
Humana Medicare Advantage and Prescription Drug Plans
2015 Presentation Humana Medicare Advantage and Prescription Drug Plans Y0040_SPM_SPRE_MAPD_15 Approved GNHH31KHH_15 Let s talk about... Are you eligible? Choosing the right Humana plan for you Your Medicare
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
Annual Notice of Changes for 2016
Healthy Advantage Plus HMO offered by Molina Healthcare of Utah Annual Notice of Changes for 2016 You are currently enrolled as a member of Healthy Advantage Plus HMO. Next year, there will be some changes
MAP TO MEDICARE. H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014
2015 MAP TO MEDICARE H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014 MAP TO MEDICARE What is Medicare?...1 Part A: Hospital coverage...2 Part B: Medical coverage....3
Summary of benefits. 2009 idaho, utah. Health Net orange prescription drug plan
Health Net orange prescription drug plan Summary of benefits 2009 idaho, utah Benefits effective January 1, 2009 (S5678-064) PDP Option 1 (S5678-063) PDP Value Option 2 Section I INTRODUCTION TO SUMMARY
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
Medicare Part D Amounts Will Increase in 2016
April 9, 2015 Medicare Part D Amounts Will Increase in 2016 The Medicare Modernization Act (MMA) requires the Centers for Medicare & Medicaid Services (CMS) to announce each year the Medicare Part D standard
Blue Shield Medicare Basic Plan (PDP) Blue Shield Medicare Enhanced Plan (PDP)
Summary of Benefits Blue Shield Medicare Basic Plan (PDP) January 1, 2015 December 31, 2015 State of California This booklet gives you a summary of what we cover and what you pay. It doesn't list every
MEDICARE: You ve earned It. Make the most of it.
Cigna Medicare Services MEDICARE: You ve earned It. Make the most of it. A simple guide filled with useful information on Medicare, health and wellness and more. Section 1 MEDICARE. PLAIN AND SIMPLE. Section
Montana. Medicare Drug Plan Ratings. Analytics by Avalere Health
This AARP rating tool contains information about stand-alone Medicare plans in your state that cover only prescription drugs. Each year, from November 15 to December 31, people enrolled in a Medicare drug
Make sure you re covered for your biologic medicine!
It s open enrollment time Make sure you re covered for your biologic medicine! Joint Decisions is brought to you by Janssen Biotech, Inc., in partnership with CreakyJoints CreakyJoints Bringing arthritis
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
Medicare Made Simple
Medicare Made Simple 1 CONTENTS 4 WHAT DO YOU NEED? Just starting Medicare, or are you already enrolled? 8 A COVERAGE OVERVIEW Understanding what each part of Medicare does for you 10 COST COMPARISON LET
Your Retiree Medical Transition Guide
Your Retiree Medical Transition Guide What you need to know. Prepare for your enrollment. Partner with your own dedicated Benefits Advisor. Get help paying for your coverage. A New Way to Find the Right
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
Choosing a Medicare Advantage plan you ll be confident in.
Choosing a Medicare Advantage plan you ll be confident in. Indiana University Health Plans is a Medicare Advantage organization with a Medicare contract. Continued enrollment depends on the contract between
On the next page are answers to some important questions that can help you during the Annual Open Enrollment.
QA 2015 Medicare Prescription Drug Annual Open Enrollment The Annual Open Enrollment for Medicare prescription drug coverage (Part D) is October 15, 2014 December 7, 2014. Certain people with Medicare
Prescription Plan - Basic (PDP) Summary of Benefits
Prescription Plan - Basic (PDP) Summary of Benefits January 1, 2015 December 31, 2015 Call toll-free 1-855-291-9311 8 a.m. to 8 p.m. daily October 1 to February 14 and 8 a.m. to 8 p.m. weekdays the rest
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
CHOOSING A PURDUE RETIREE. Health Care Plan. That s Right for You
CHOOSING A PURDUE RETIREE Health Care Plan That s Right for You Agenda 2016 Health Care Options Medicare Advantage PPO Prescription Drug Benefits PURcare Prescription Drug Benefits Other benefits Future
Annual Notice of Changes for 2014
True Blue Rx Option II (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 Freedom (HMO).
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