Sales Presentation The Michigan Medicare Plans Designed Around YOU

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Sales Presentation The Michigan Medicare Plans Designed Around YOU"

Transcription

1 Sales Presentation The Michigan Medicare Plans Designed Around YOU HARBOR MEDICARE (HMO) HARBOR MEDICARE SELECT (HMO) H7960_ Approved

2 WHAT YOU CAN EXPECT FROM THIS PRESENTATION PART 1 Introduction Medicare Advantage Plans to Be Discussed PART 2 Understanding Medicare Basics: Parts A, B, C and D Introducing Harbor Health Plan (HHP) PART 3 HHP Benefits at a Glance Prescriptions Diabetes Benefits PART 4 How & When to Enroll in HHP Low Income Subsidy (LIS) When You Choose Us Now That I m a Member Grievance and Appeals How to Disenroll Disclaimers 2

3 PART 1 A FEW WORDS ABOUT ME I m an authorized representative of Harbor Health Plan, a local Michigan health plan. I m licensed to sell insurance in Michigan, have completed the annual agent Medicare training and I am certified as a Harbor Health Plan Agent. I may be compensated based on your enrollment. A FEW WORDS ABOUT THIS APPOINTMENT Prospective enrollees for these plans must be entitled to Medicare Part A, enrolled in Medicare Part B and NOT have ESRD. I will only be providing information about the Medicare Advantage Plan specified in the Scope of Appointment discussed over the phone or signed prior to this appointment. Materials You May Receive During this Appointment: Enrollment Kit Harbor Medicare Brochures My Business Card 3

4 PART 2 UNDERSTANDING MEDICARE THE BASICS MEDICARE is the United States national health insurance program administered by the federal government. WHO QUALIFIES? People age 65 or older Some people under the age of 65 with certain disabilities (restrictions may apply) YOUR CHOICES: Original Medicare plus a Prescription Drug Plan (PDP) Medicare Advantage Plan Medicare Advantage Plan with Prescription Drug Coverage Former Employer or Union Group 4

5 PART 2 UNDERSTANDING MEDICARE (CONTINUED) PART A Hospital insurance with basic coverage for hospital stays, skilled nursing facilities, home health and hospice care PART B Medical insurance to cover many of the fees associated with doctor visits, laboratory testing, and outpatient services and supplies PART C A Medicare Advantage Plan that includes Medicare Parts A and B PART D Medicare Prescription Drug Coverage (PDP) is insurance to help pay for outpatient prescription drugs, vaccines, and some supplies not covered by Medicare Part A or Part B 5

6 INTRODUCING HARBOR HEALTH PLAN PART 2 Serving Medicare eligible Michigan individuals in the following counties: Macomb, Oakland and Wayne History Local, personalized service Well-founded and continually expanding provider network No referral required for in-network physicians/providers More than 2,500 network doctors and specialists and 12 hospitals Network providers are the doctors and other health care professionals, medical groups, hospitals, and other health care facilities that have an agreement with our plan to deliver covered services to our members. WHAT OUR HEALTH PLANS ARE NOT: Harbor Medicare (HMO) and Harbor Medicare Select (HMO) are not Medicare Supplement plans. A Medicare Supplement plan (Medigap) is health insurance sold by private insurance companies to fill the gaps in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that Original Medicare does not cover. 6

7 BENEFITS AT A GLANCE PART 3 BENEFITS Harbor Medicare (HMO) Harbor Medicare Select (HMO) Maximum Out-of-Pocket (MOOP) $3,400 $3,400 Premium $0 $47 Primary Care Visit $10 $0 Specialist $45 $35 Inpatient Hospitalization $245 for days 1 7 $200 for days 1 6 Urgent Care Visit $60 copay $50 copay Vision Dental $100/year allowance for Contacts; Glasses (lenses and frames); $15 routine vision exam Preventive services: (2) exams, (2) cleanings, and (1) x-ray per year $100/year allowance for Contacts; $100/year allowance for Glasses (lenses and frames); $10 routine vision exam Preventive services: (2) exams, (2) cleanings, and (1) x-ray per year Over-the-Counter (OTC) N/A $25 per quarter Prescription Coverage Yes Yes Transportation Services 10 trips annually to plan approved locations. 0 trips annually to plan approved locations. Fitness Coverage $50 deductible $25 deductible Our plans offer more benefits than Original Medicare alone such as: Dental, Vision, OTC Allowance, Fitness and Nurse Advice Line. 7

8 PART 3 HARBOR MEDICARE ($0) PREMIUM PRESCRIPTION DRUG COSTS Tier Levels Copay for 30-day supply Copay for 60-day supply Copay for 90-day supply Mail order for 90-day supply Preferred Generic $10.00 $20.00 $30.00 $20.00 Generic $20.00 $40.00 $60.00 $40.00 Preferred Brand $45.00 $90.00 $ $90.00 Non-Preferred Brand $95.00 $ $ $ Specialty Tier 27% cost sharing Not Offered Not Offered Not Offered 8

9 PART 3 HARBOR MEDICARE SELECT ($47) PREMIUM PRESCRIPTION DRUG COSTS Tier Levels Copay for 30-day supply Copay for 60-day supply Copay for 90-day supply Mail order for 90-day supply Preferred Generic $4.00 $8.00 $12.00 $8.00 Generic $10.00 $20.00 $30.00 $20.00 Preferred Brand $45.00 $90.00 $ $90.00 Non-Preferred Brand $95.00 $ $ $ Specialty Tier 33% cost sharing Not Offered Not Offered Not Offered 9

10 PART 3 OUR PRESCRIPTION DRUG BENEFITS OFFER FLEXIBILITY AT THE PHARMACY $4/$8/$12 copay for a 30/60/90-day supply of Preferred Generic Drugs SAVE YOU TIME AND MONEY VIA MAIL Prescriptions mailed to your door Savings on 90-day supplies when ordered by mail YOUR PROVIDERS & PRESCRIPTIONS AT YOUR FINGERTIPS Refer to the Provider/Pharmacy Directory, which can be found at: HarborMedicarePlans.com Refer to the Comprehensive Formulary (list of drugs) Call Member Services at (855) , TTY should call

11 PART 3 HARBOR HEALTH PLAN OFFERS DIABETIC PROGRAMS AND SUPPLIES AT NO EXTRA COST TO YOU ORIGINAL MEDICARE HARBOR MEDICARE (HMO) HARBOR MEDICARE SELECT (HMO) 20% coinsurance $0 copay for diabetes self-management training 20% coinsurance $0 copay for diabetes monitoring supplies 20% coinsurance $0 copay for therapeutic shoes and inserts 11

12 PART 4 ENROLLMENT IN HARBOR MEDICARE (HMO) OR HARBOR MEDICARE SELECT (HMO) WHEN CAN YOU ENROLL? You can enroll in Harbor Medicare (HMO) or Harbor Medicare Select (HMO) during the Annual Enrollment Period (AEP) between October 15 and December 7. During the AEP, Medicare Advantage (MA) eligible individuals may enroll in or disenroll from an MA plan. The last enrollment request made, determined by the application date, will be the enrollment request that takes effect. There are special circumstances that allow you to enroll in a Medicare Advantage Plan outside of this period. These are called Special Enrollment Periods (SEP). Special Enrollment Periods constitute periods outside of the usual Initial Enrollment (IE), Annual Enrollment Period (AEP) or Medicare Advantage Disenrollment Period (MADP) when an individual may elect a plan or change his or her current plan election. There are various types of SEPs, including SEPs for dual eligibles, and for individuals whose current plan terminates, who change residence and who meet exceptional conditions as CMS may provide. Source: Medicare Managed Care Manual 12

13 PART 4 ENROLLMENT IN HARBOR MEDICARE (HMO) OR HARBOR MEDICARE SELECT (HMO) CONTINUED Examples of Special Circumstances (not a complete list) Change in residence Employer/Union Group Health Plan (EGHP) Disenroll from Part D to enroll in Creditable Coverage Full and partial dual eligible Other Low Income Subsidy Retroactive notice of Medicare entitlement Program of All-inclusive Care for the Elderly (PACE) Source: Medicare Managed Care Manual 13

14 ENROLLING IS SIMPLE! WE WILL WALK YOU THROUGH THE PROCESS. PART 4 Via this appointment today With a licensed agent/broker. By paper application I can give you an application form. You can fill it out and return it to the plan. Visit the plan s website Visit: HarborMedicarePlans.com and begin the enrollment process online. Medicare s website Visit: Medicare.gov and begin the enrollment process online. By phone Contact Harbor Health Plan (855) , TTY: 711 or call MEDICARE ( ) TTY users should call At a seminar or group meeting 14

15 PART 4 LOW INCOME SUBSIDY (LIS) YOU MAY QUALIFY FOR EXTRA HELP Need help paying for prescription drugs or Medicare Part A and Part B premiums? Medicare provides Extra Help for people who have limited income and resources. If you qualify, you get help paying for any Medicare drug plan s monthly premium, yearly deductible, and prescription copayments. This Extra Help also counts toward your out-of-pocket costs. Find out if you qualify for assistance by calling: MEDICARE ( ). TTY users should call , 24 hours a day/7 days a week and visit Medicare.gov to review Programs for People with Limited Income and Resources in the publication Medicare & You. The Social Security Administration at between 7 a.m. and 7 p.m., Monday through Friday. TTY:

16 PART 4 WHEN YOU CHOOSE HARBOR HEALTH PLAN, WE PROMISE TO: Provide you with information in a way that works for you (in languages other than English, in Braille, in large print, or other alternative formats, etc.) Treat you with fairness and respect at all times Ensure that you get timely access to your covered services and drugs Protect the privacy of your personal health information Give you information about the plan, its network of providers, and your covered services Support your right to make decisions about your health care 16

17 PART 4 AS A MEMBER OF HARBOR HEALTH PLAN, YOU WILL RECEIVE SUPPORT FROM CARING PROFESSIONALS WE HELP YOU: Change your Primary Care Provider, if required Ensure that you have continuous prescription drug coverage Manage the prior authorization process for previously scheduled doctor visits, post-operative care and surgery Coordinate your health care if you have a complex or chronic condition Navigate through the health care system and address any heath-related questions you may have 17

18 PART 4 WHAT CAN I EXPECT NOW THAT I AM A MEMBER? WHAT YOU GET HOW YOU GET IT DESCRIPTION Copy of Enrollment Form Agent Confirms you submitted an enrollment form. Enrollment Verification Letter Enrollment Confirmation and Acknowledgement Letter Member ID Card and Your Welcome Kit Welcome Call Over-the-Counter (OTC) Card Mail Mail Mail Phone Mail Verifies that the selected benefit plan is fully understood and directs you where to call should you have any questions. A notice from Medicare approving your enrollment form and acknowledging that your enrollment is complete. Membership Identification Card: be sure to have this with you when you visit your doctor, hospital or pharmacy. Kit includes your Evidence of Coverage, Formulary (list of drugs), Health Risk Assessment (HRA) and important plan benefit information. A Member Services representative will call you to ensure you have received your member materials, answer any questions you may have and discuss PCP assignment. Your OTC card will be sent in a separate mailing; you will need to activate your card prior to use. 18

19 PART 4 GRIEVANCE AND APPEALS As a member of Harbor Medicare (HMO) or Harbor Medicare Select (HMO), you have the right to: Request an organization determination if you want us to provide or pay for an item or service that you believe should be covered Request a coverage determination, which is a coverage decision about your prescription drugs File an appeal if we deny coverage or payment for an item or service File a grievance if you are unhappy about any other aspect of the health plan, our providers or pharmacies 19

20 PART 4 HOW CAN I DISENROLL? IF YOU WOULD LIKE TO SWITCH FROM OUR PLAN TO: Another Medicare Health Plan Original Medicare with a separate Medicare prescription drug plan Original Medicare without a separate Medicare prescription drug plan. Note: If you disenroll from a Medicare prescription drug plan and go without creditable prescription drug coverage, you may need to pay a late enrollment penalty if you join a Medicare drug plan later. YOU SHOULD: Enroll in the new Medicare Health Plan. You will automatically be disenrolled from our plan when your new plan s coverage begins. Enroll in the new Medicare prescription drug plan. You will automatically be disenrolled from our plan when your new plan s coverage begins. Send us a written request to disenroll. Contact Member Services if you need more information on how to do this. You can also contact MEDICARE ( ), 24 hours a day, 7 days a week, and ask to be disenrolled. TTY users should call You will be disenrolled from our plan when your coverage in Original Medicare begins. 20

21 PART 4 DISCLAIMERS Harbor Health Plan is an HMO plan with a Medicare contract. Enrollment in Harbor 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/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B Premium. This information is available for free in other languages. Please contact our Member Services number at (855) for additional information. (TTY users should call 711). Hours are October 1, 2015-February 14, 2016: 8 a.m. to 8 p.m. seven days a week, and February 15, 2016-September 30, 2016: 8 a.m. to 8 p.m., Monday through Friday. Esta información está disponible gratuitamente en otros lenguajes. Por favor llame a servicio al miembro al (855) para información adicional. (Usuarios de TTY llamar al 711). Horario es 1 octubre, febrero, 2016: 8 a.m. a 8 p.m., los siete días a la semana, y 15 febrero 30 septiembre, 2016: 8 a.m. a 8 p.m., de lunes a viernes. 21

HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted

HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted IMPORTANT This presentation is for the exclusive use of Authorized Plan Representatives of Harbor Advantage (HMO). Harbor Health Plan is an HMO plan with

More information

Allegian Advantage (HMO) H8554_001-2015 Accepted

Allegian Advantage (HMO) H8554_001-2015 Accepted Allegian Advantage (HMO) H8554_001-2015 Accepted IMPORTANT This presentation is for the exclusive use of Allegian Advantage (HMO) Allegian Health Plans is an HMO plan with a Medicare contract. Enrollment

More information

2015 Plan Guide ALLEGIAN ADVANTAGE (HMO) H8554_013-2015 Accepted

2015 Plan Guide ALLEGIAN ADVANTAGE (HMO) H8554_013-2015 Accepted 2015 Plan Guide ALLEGIAN ADVANTAGE (HMO) H8554_013-2015 Accepted Allegian Advantage is an HMO plan. We proudly serve Texas residents in Cameron, Hidalgo and Willacy counties, offering doctor, hospital

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 1 Cigna-HealthSpring Preferred Plus HMO offered by Cigna HealthCare of Arizona, Inc. Annual Notice of Changes for 2016 You are currently enrolled as a member of Cigna-HealthSpring Preferred Plus. Next

More information

Classic Plan (HMO-POS)

Classic Plan (HMO-POS) Classic Plan (HMO-POS) Offered by Health First Health Plans You are currently enrolled as a member of the Classic Plan (HMO-POS). Next year, there will be some changes to the plan s costs and benefits.

More information

San Diego County. 2015 Benefit Highlights

San Diego County. 2015 Benefit Highlights San Diego County Scripps Classic offered by SCAN Health Plan(HMO) Scripps Signature offered by SCAN Health Plan (HMO) Scripps Heart First offered by SCAN Health Plan (HMO SNP) 2015 Benefit Highlights San

More information

2015 Annual Notice of Change

2015 Annual Notice of Change 2015 Annual Notice of Change Colorado Access Advantage Peak Plan (HMO) COLORADO ACCESS ADVANTAGE PEAK PLAN (HMO) offered by Colorado Access Annual Notice of Changes for 2015 You are currently enrolled

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 Central Health Medicare Plan (HMO) offered by Central Health Plan of California Annual Notice of Changes for 2016 You are currently enrolled as a member of Central Health Medicare Plan. Next year, there

More information

Orange County Benefit Highlights. Orange County. SCAN Classic (HMO), SCAN Balance (HMO SNP), and Heart First (HMO SNP) 2015 Benefit Highlights

Orange County Benefit Highlights. Orange County. SCAN Classic (HMO), SCAN Balance (HMO SNP), and Heart First (HMO SNP) 2015 Benefit Highlights Orange County Benefit Highlights Orange County SCAN Classic (HMO), SCAN Balance (HMO SNP), and Heart First (HMO SNP) 2015 Benefit Highlights Orange County Benefit Highlights Comprehensive Care SCAN CLASSIC

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 BlueCHiP for Medicare Plus (HMO) offered by Blue Cross & Blue Shield of Rhode Island Annual Notice of Changes for 2015 You are currently enrolled as a member of BlueCHiP for Medicare Plus. Next year, there

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 Central Health Focus Plan (HMO SNP) offered by Central Health Plan of California Annual Notice of Changes for 2016 You are currently enrolled as a member of Central Health Focus Plan. Next year, there

More information

Napa and Sonoma Counties

Napa and Sonoma Counties Napa and Sonoma Counties Benefit Highlights Napa and Sonoma Counties SCAN Classic (HMO), SCAN Balance (HMO SNP), and Heart First (HMO SNP) 2015 Benefit Highlights Napa and Sonoma Counties Benefit Highlights

More information

!nnual Notice of Changes for 2015

!nnual Notice of Changes for 2015 Central Health Medi-Medi Plan (HMO SNP) offered by Central Health Plan of California!nnual Notice of Changes for 2015 You are currently enrolled as a member of Central Health Medi-Medi Plan (HMO SNP).

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 SCAN Connections at Home (HMO SNP) offered by SCAN Health Plan Annual Notice of Changes for 2016 You are currently enrolled as a member of SCAN Connections at Home. Next year, there will be some changes

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Freedom Basic (PPO) Plan offered by Senior Care Plus Annual Notice of Changes for 2015 You are currently enrolled as a member of the Freedom Basic. Next year, there will be some changes to the plan s costs

More information

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

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

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 Blue Cross Medicare Advantage Basic (HMO) offered by GHS Health Maintenance Organization, Inc. Annual Notice of Changes for 2016 You are currently enrolled as a member of Blue Cross Medicare Advantage

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna-HealthSpring Rx Secure-Xtra (PDP) offered by Cigna-HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna Medicare Rx Secure-Xtra (PDP). Next year, there will

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna-HealthSpring Rx Secure (PDP) offered by Cigna HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna Medicare Rx Secure (PDP). Next year, there will be some

More information

Annual Notice of Changes for 2014

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

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Tufts Medicare Preferred PDP Plus (Medicare Prescription Drug Plan) offered by Tufts Health Plan Medicare Preferred Annual Notice of Changes for 2015 You are currently enrolled as a member of Tufts Medicare

More information

Annual Notice of Change 2015

Annual Notice of Change 2015 Clear Touchstone Health Medicare Clear Plan Annual Notice of Change 2015 Bronx, Kings, New York, Queens, Richmond and Westchester Counties www.touchstoneh.com Y0064_H3327_THPSMK_2374 Accepted Touchstone

More information

San Diego County. SCAN Health Plan. Evidence of Coverage. Scripps Signature offered by SCAN Health Plan (HMO)

San Diego County. SCAN Health Plan. Evidence of Coverage. Scripps Signature offered by SCAN Health Plan (HMO) San Diego County 2016 SCAN Health Plan Evidence of Coverage Scripps Signature offered by SCAN Health Plan (HMO) Y0057_SCAN_9180_2015F File & Use Accepted G9308 09/15 16C-EOC701 January 1 December 31,

More information

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

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

More information

Scripps Classic offered by SCAN Health Plan (HMO) Scripps Signature offered by SCAN Health Plan (HMO)

Scripps Classic offered by SCAN Health Plan (HMO) Scripps Signature offered by SCAN Health Plan (HMO) Scripps Classic offered by (HMO) Scripps Signature offered by (HMO) Evidence of Coverage for 2015 San Diego County Y0057_SCAN_8642_2014F File & Use Accepted 08272014 G8659 09/14 January 1 December 31,

More information

MEDICARE MYSTERY. Taking the OUT OF. Your how-to guide for finding the right plan for your needs

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

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 P.O. Box 52424, Phoenix, AZ 85072-2424 SilverScript Choice (PDP) offered by SilverScript Insurance Company Annual Notice of Changes for 2016 You are currently enrolled as a member of SilverScript Choice

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 P.O. Box 52424, Phoenix, AZ 85072-2424 SilverScript Choice (PDP) offered by SilverScript Insurance Company Annual Notice of Changes for 2015 You are currently enrolled as a member of BlueRx Standard (PDP).

More information

Annual Notice of Changes for 2014

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

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 SeniorHealth Basic and Plus Plans Combined Annual Notice of Change and Evidence of Coverage Contract Year 2015 Contra Costa Health Plan s SeniorHealth Plan, a Medicare Cost Plan offered by Contra Costa

More information

2015 Optimum Healthcare Sales Presentation Video Transcript-

2015 Optimum Healthcare Sales Presentation Video Transcript- 2015 Optimum Healthcare Sales Presentation Video Transcript- H5594_15SalesPresVidv2_CMS_Approved Welcome to this presentation on Optimum HealthCare s Medicare Advantage Plans. Today you will learn about

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 HMO Prime No Rx (Medicare Advantage HMO) offered by Tufts Health Plan Medicare Preferred Annual Notice of Changes for 2016 You are currently enrolled as a member of Tufts Medicare Preferred HMO Prime No

More information

2013 SUMMARY OF BENEFITS

2013 SUMMARY OF BENEFITS 22222 2013 SUMMARY OF BENEFITS Plus Prescription Drug Plans S5670 S5768 Y0022_PDP_2013_S5670_036_S5768_009_S5768_129SBa Accepted FH13SB06VP2 22 SECTION I INTRODUCTION TO SUMMARY OF BENEFITS Thank you for

More information

Annual Notice of Changes for 2014

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).

More information

FHCP s Medvantage (HMO-POS) offered by Florida Health Care Plans

FHCP s Medvantage (HMO-POS) offered by Florida Health Care Plans FHCP s Medvantage (HMO-POS) offered by Florida Health Care Plans Annual Notice of Changes for 2016 You are currently enrolled as a member of FHCP s Medvantage plan. Next year, there will be some changes

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE

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

More information

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

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

More information

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

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

More information

2. Please read carefully, print neatly and complete the entire Enrollment Form, including the Enrollment Checklist.

2. Please read carefully, print neatly and complete the entire Enrollment Form, including the Enrollment Checklist. First Health Part D Medicare Prescription Drug Plan (PDP) Individual Enrollment Form Instructions Follow these easy instructions to enroll in First Health Part D. If you have any questions, please call

More information

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

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

More information

Annual Notice of Changes for 2016

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

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

ANNUAL NOTICE OF CHANGES FOR 2016

ANNUAL NOTICE OF CHANGES FOR 2016 Cigna HealthSpring Rx Secure Extra (PDP) offered by Cigna HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna HealthSpring Rx Secure Xtra (PDP). Next year, there

More information

Blue Cross Blue Shield of Arizona Advantage Plan Change Form

Blue Cross Blue Shield of Arizona Advantage Plan Change Form Blue Cross Blue Shield of Arizona Advantage Plan Change Form Date: Member Name: Member ID Number: I want to transfer from my current plan to the plan I have selected below. I understand that I will receive

More information

Medicare 101 Guide Your Guide to Medicare Basics

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

More information

EVIDENCE OF COVERAGE Molina Medicare Options Plus HMO SNP

EVIDENCE OF COVERAGE Molina Medicare Options Plus HMO SNP Molina Medicare Options Plus HMO SNP Member Services CALL (866) 440-0012 Calls to this number are free. 7 days a week, 8 a.m. to 8 p.m., local time. Member Services also has free language interpreter services

More information

2013 SUMMARY OF BENEFITS

2013 SUMMARY OF BENEFITS 2013 SUMMARY OF BENEFITS Plus Prescription Drug Plans S5670 S5768 Y0022_PDP_2013_S5670_138_S5768_119_S5768_150_SBb Accepted FH13SB935 SECTION I INTRODUCTION TO SUMMARY OF BENEFITS Thank you for your interest

More information

Humana Medicare Advantage and Prescription Drug Plans

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

More information

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

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

More information

Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc.

Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc. Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of Piedmont WellStar Medicare Choice HMO.

More information

Aetna Medicare Rx (PDP) Offered by Aetna Life Insurance Company

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

More information

Florida Hospital Employer Group POS B Plan (HMO-POS)

Florida Hospital Employer Group POS B Plan (HMO-POS) Florida Hospital Employer Group POS B Plan (HMO-POS) January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of the Florida

More information

2015 SUMMARY OF BENEFITS Phoenix Advantage (HMO) Phoenix Advantage Select (HMO) January 1, 2015 December 31, 2015. H5985_009-2015 Accepted

2015 SUMMARY OF BENEFITS Phoenix Advantage (HMO) Phoenix Advantage Select (HMO) January 1, 2015 December 31, 2015. H5985_009-2015 Accepted 2015 SUMMARY OF BENEFITS Phoenix Advantage (HMO) Phoenix Advantage Select (HMO) January 1, 2015 December 31, 2015 H5985_009-2015 Accepted SUMMARY OF BENEFITS JANUARY 1, 2015 - DECEMBER 31, 2015 This booklet

More information

Annual Notice of Changes for 2016

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

More information

Tribute. 2015 Summary of Benefits. Health Plan of Oklahoma. Tribute Health Plan of Oklahoma HMO SNP

Tribute. 2015 Summary of Benefits. Health Plan of Oklahoma. Tribute Health Plan of Oklahoma HMO SNP Tribute Health Plan of Oklahoma Tribute Health Plan of Oklahoma HMO SNP 2015 Summary of Benefits This booklet gives you a summary of what we cover and what you pay. It doesn t list every service that we

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 Care N Care Health Plan I MA-Only (PPO) offered by Care N Care Insurance Company, Inc. Annual Notice of Changes for 2016 You are currently enrolled as a member of Care N Care Health Plan I MA-Only. Next

More information

Annual Notice of Changes for 2014

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

More information

WELCOME. We re glad you re here!

WELCOME. We re glad you re here! WELCOME We re glad you re here! Premera Blue Cross Medicare Advantage HMO and HMO-POS Plans This year do what s right for you. Meeting agenda Medicare basics Your Medicare coverage options Premera Blue

More information

2015 Freedom Health Sales Presentation Video Transcript- (Host) (Member Testimony) H5427_15FHSalesPresVidv2_CMS Approved

2015 Freedom Health Sales Presentation Video Transcript- (Host) (Member Testimony) H5427_15FHSalesPresVidv2_CMS Approved 2015 Freedom Health Sales Presentation Video Transcript- H5427_15FHSalesPresVidv2_CMS Approved Welcome to this presentation on Freedom Health s Medicare Advantage Plans. Today you will learn about the

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna HealthSpring Premier (HMO POS) offered by Cigna HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna HealthSpring Premier (HMO POS). Next year, there will

More information

Your complimentary Medicare Guidebook

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

More information

Easy Choice Health Plan Medicare Advantage Plans Individual Enrollment Form

Easy Choice Health Plan Medicare Advantage Plans Individual Enrollment Form Easy Choice Health Plan Medicare Advantage Plans Individual Enrollment Form How to Enroll with Easy Choice 1 Please contact Easy Choice if you need an enrollment form or information in another language,

More information

EVIDENCE OF COVERAGE Your Medicare Benefits and Services as a Member of EmblemHealth MLTC Plus (HMO SNP) January 1 December 31, 2015 H3330_124504

EVIDENCE OF COVERAGE Your Medicare Benefits and Services as a Member of EmblemHealth MLTC Plus (HMO SNP) January 1 December 31, 2015 H3330_124504 EVIDENCE OF COVERAGE Your Medicare Benefits and Services as a Member of EmblemHealth MLTC Plus (HMO SNP) January 1 December 31, 2015 H3330_124504 January 1 December 31, 2015 Evidence of Coverage: Your

More information

EVIDENCE OF COVERAGE. Blue Medicare Advantage Premier (HMO)

EVIDENCE OF COVERAGE. Blue Medicare Advantage Premier (HMO) 2015 EVIDENCE OF COVERAGE Blue Medicare Advantage Premier (HMO) January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Aetna Medicare SM Plan (PPO) Offered by Aetna Life Insurance Company Annual Notice of Changes for 2015 You are currently enrolled as a member of Aetna Medicare Plan (PPO). Next year, there will be some

More information

Life offers you many choices.

Life offers you many choices. Life offers you many choices. It s time to choose the right 2014 prescription drug plan. Through It All. Y0096_MRK_TMP_PDDG14a Approved 08132013 32322.1013 Contact Information Blue Cross MedicareRx SM

More information

City of Arlington Open Enrollment Meeting. November, 2015

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

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

ANNUAL NOTICE OF CHANGES FOR 2016

ANNUAL NOTICE OF CHANGES FOR 2016 Cigna HealthSpring Rx Secure Extra (PDP) offered by Cigna HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna HealthSpring Rx Secure Xtra (PDP). Next year, there

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

Easy Choice Medicare Advantage Plans Individual Enrollment Form

Easy Choice Medicare Advantage Plans Individual Enrollment Form Easy Choice Medicare Advantage Plans Individual Enrollment Form How to Enroll with Easy Choice 1 Please contact Easy Choice if you need an enrollment form or information in another language or format (Braille

More information

Annual Notice of Changes for 2014

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

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 H8677_15_15107_0001_MMPCAMbrHbk Accepted Molina Dual Options Cal MediConnect Plan (Medicare-Medicaid Plan) offered by Molina Healthcare Annual Notice of Changes for 2015 You are currently enrolled as a

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna-HealthSpring Rx Secure (PDP) offered by Cigna HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna Medicare Rx Secure (PDP). Next year, there will be some

More information

Health First Health Plans 2014 Medicare Advantage Plans

Health First Health Plans 2014 Medicare Advantage Plans Health First Health Plans 2014 Medicare Advantage Plans Y0089_MP3405 CMS Approved 09172013 Today we ll cover: Welcome Who is Health First? Basics of Medicare Enrollment Periods / Eligibility Our 2014 Medicare

More information

Geisinger Gold Preferred Complete Rx (PPO) offered by Geisinger Indemnity Insurance Company

Geisinger Gold Preferred Complete Rx (PPO) offered by Geisinger Indemnity Insurance Company Geisinger Gold Preferred Complete Rx (PPO) offered by Geisinger Indemnity Insurance Company Annual Notice of Changes for 2016 You are currently enrolled as a member of Geisinger Gold Preferred Complete

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna HealthSpring Preferred (HMO) offered by Cigna HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna HealthSpring Preferred (HMO). Next year, there will be

More information

Annual Notice of Changes for 2015

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

More information

Your complimentary Medicare Guidebook

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

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 Gateway Health Medicare Assured DiamondSM (HMO SNP) offered by Gateway Health Plan of Ohio, Inc. Annual Notice of Changes for 2016 You are currently enrolled as a member of Gateway Health Medicare Assured

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 P.O. Box 52424, Phoenix, AZ 85072-2424 SilverScript Plus (PDP) offered by SilverScript Insurance Company Annual Notice of Changes for 2016 You are currently enrolled as a member of SilverScript Plus (PDP).

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

(HMO SNP) Affinity Medicare Ultimate (HMO SNP) Evidence of Coverage 2013

(HMO SNP) Affinity Medicare Ultimate (HMO SNP) Evidence of Coverage 2013 (HMO SNP) Affinity Medicare Ultimate (HMO SNP) Evidence of Coverage 2013 1 January 1 December 31, 2013 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as

More information

It s Time for Medicare

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

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Cigna-HealthSpring Advantage (HMO) offered by Cigna-HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna-HealthSpring Advantage (HMO). Next year, there will be

More information

Evidence of Coverage:

Evidence of Coverage: Table of Contents January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Mercy Care Advantage (HMO SNP) This booklet

More information

Annual Notice of Changes for 2015

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

More information

L.A. Care s Medicare Advantage Special Needs Plan

L.A. Care s Medicare Advantage Special Needs Plan L.A. Care s Medicare Advantage Special Needs Plan Summary of Benefits 2008 for people with Medicare and Medi-Cal Thank you for your interest in L.A. Care Health Plan. Our plan is offered by L.A. CARE

More information

2015 Summary of Benefits

2015 Summary of Benefits 2015 Summary of Benefits January 1, 2015 December 31, 2015 Houston/Beaumont Area Y0067_PRE_H4506_SETX_SB41_0814 CMS Accepted 09/13/2014 HMO-SETX-SB K41 2015 Section I Introduction to Summary of Benefits

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 Blue Medicare HMO SM Standard offered by Blue Cross and Blue Shield of North Carolina (BCBSNC) Annual Notice of Changes for 2014 You are currently enrolled as a member of Blue Medicare HMO Standard. Next

More information

Companion Basic Rx (HMO) / Companion Rx (HMO) / Companion Plus Rx (HMO)

Companion Basic Rx (HMO) / Companion Rx (HMO) / Companion Plus Rx (HMO) / / Summary of Benefits January 1, 2016 December 31, 2016 The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. s pharmacy network offers

More information

ANNUAL NOTICE OF CHANGES FOR 2016

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

More information

Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare

Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare Annual Notice of Changes for 2016 You are currently enrolled as a member of Essentials Choice Rx 25 (HMO-POS). Next year, there will

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Kaiser Permanente Senior Advantage Essential Plus plan (HMO) offered by Kaiser Foundation Health Plan, Inc., Hawaii Region Annual Notice of Changes for 2015 You are currently enrolled as a member of Kaiser

More information