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Thank you for your interest in WellCare Value (HMO-POS). Our plan is offered by Harmony HealthPlan of Illinois, Inc./WellCare, a Medicare Advantage Health Maintenance Organization (HMO), witha point-of-service option (POS) that contracts with the Federal government. This Summary ofBenefits tells you some features of our plan. It doesn't list every service that we cover or list everylimitation or exclusion. To get a complete list of our benefits, please call WellCare Value (HMO-POS)and ask for the "Evidence of Coverage".
You have choices in your health care
As a Medicare beneficiary, you can choose from different Medicare options. One option is theOriginal (fee-for-service) Medicare Plan. Another option is a Medicare health plan, like WellCareValue (HMO-POS). You may have other options too. You make the choice. No matter what youdecide, you are still in the Medicare Program.
You may join or leave a plan only at certain times. Please call WellCare Value (HMO-POS) at thenumber listed at the end of this introduction or 1-800-MEDICARE (1-800-633-4227) for moreinformation. TTY/TDD users should call 1-877-486-2048. You can call this number 24 hours a day,7 days a week.
How can I compare my options?
You can compare WellCare Value (HMO-POS) and the Original Medicare Plan using this Summaryof Benefits. The charts in this booklet list some important health benefits. For each benefit, youcan see what our plan covers and what the Original Medicare Plan covers.
Our members receive all of the benefits that the Original Medicare Plan offers. We also offer morebenefits, which may change from year to year.
Where is WellCare Value (HMO-POS) available?
The service area for this plan includes: Champaign, Cook, Douglas, Kane, Kankakee, Knox, Madison,Monroe, Peoria, St. Clair, Tazewell, Vermilion, Washington, Will Counties, IL. You must live in oneof these areas to join the plan.
Who is eligible to join WellCare Value (HMO-POS)?
You can join WellCare Value (HMO-POS) if you are entitled to Medicare Part A and enrolled inMedicare Part B and live in the service area. However, individuals with End-Stage Renal Disease aregenerally not eligible to enroll in WellCare Value (HMO-POS) unless they are members of ourorganization and have been since their dialysis began.
Can I choose my doctors?
WellCare Value (HMO-POS) has formed a network of doctors, specialists, and hospitals. You canuse any doctor who is part of our network. In some cases, you may also go to doctors outside ofour network. The health providers in our network can change at any time.
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You can ask for a current provider directory. For an updated list, visit us at www.wellcare.com. Ourcustomer service number is listed at the end of this introduction.
What happens if I go to a doctor who's not in your network?
Generally, you are restricted to a doctor who is part of your network. However, we will cover yourcare from any provider for emergency or urgently needed care. Also, our point of service benefitallows you to get care from providers not in your network under certain conditions. For moreinformation, please call the customer service number listed at the end of this introduction.
Where can I get my prescriptions if I join this plan?
WellCare Value (HMO-POS) has formed a network of pharmacies. You must use a network pharmacyto receive plan benefits. We may not pay for your prescriptions if you use an out-of-networkpharmacy, except in certain cases. The pharmacies in our network can change at any time. You canask for a pharmacy directory or visit us at www.wellcare.com. Our customer service number islisted at the end of this introduction.
WellCare Value (HMO-POS) has a list of preferred pharmacies. At these pharmacies, you may getyour drugs at a lower co-pay or coinsurance. You may go to a non-preferred pharmacy, but youmay have to pay more for your prescription drugs.
Does my plan cover Medicare Part B or Part D drugs?
WellCare Value (HMO-POS) does cover both Medicare Part B prescription drugs and Medicare PartD prescription drugs.
What is a prescription drug formulary?
WellCare Value (HMO-POS) uses a formulary. A formulary is a list of drugs covered by your planto meet patient needs. We may periodically add, remove, or make changes to coverage limitationson certain drugs or change how much you pay for a drug. If we make any formulary change thatlimits our members' ability to fill their prescriptions, we will notify the affected members beforethe change is made. We will send a formulary to you and you can see our complete formulary onour website at www.wellcare.com.
If you are currently taking a drug that is not on our formulary or subject to additional requirementsor limits, you may be able to get a temporary supply of the drug. You can contact us to requestan exception or switch to an alternative drug listed on our formulary with your physician's help.Call us to see if you can get a temporary supply of the drug or for more details about our drugtransition policy.
How can I get extra help with my prescription drug plan costs or get extrahelp with other Medicare costs?
You may be able to get extra help to pay for your prescription drug premiums and costs as wellas get help with other Medicare costs. To see if you qualify for getting extra help, call:
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1 1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7days a week and see www.medicare.gov 'Programs for People with Limited Income and Resources'in the publication Medicare & You.1 The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through
Friday. TTY/TDD users should call 1-800-325-0778 or1 Your State Medicaid Office.
What are my protections in this plan?
All Medicare Advantage Plans agree to stay in the program for a full calendar year at a time. Planbenefits and cost-sharing may change from calendar year to calendar year. Each year, plans candecide whether to continue to participate with Medicare Advantage. A plan may continue in theirentire service area (geographic area where the plan accepts members) or choose to continue onlyin certain areas. Also, Medicare may decide to end a contract with a plan. Even if your MedicareAdvantage Plan leaves the program, you will not lose Medicare coverage. If a plan decides not tocontinue for an additional calendar year, it must send you a letter at least 90 days before yourcoverage will end. The letter will explain your options for Medicare coverage in your area.
As a member of WellCare Value (HMO-POS), you have the right to request an organizationdetermination, which includes the right to file an appeal if we deny coverage for an item or service,and the right to file a grievance. You have the right to request an organization determination ifyou want us to provide or pay for an item or service that you believe should be covered. If wedeny coverage for your requested item or service, you have the right to appeal and ask us to reviewour decision. You may ask us for an expedited (fast) coverage determination or appeal if you believethat waiting for a decision could seriously put your life or health at risk, or affect your ability toregain maximum function. If your doctor makes or supports the expedited request, we mustexpedite our decision. Finally, you have the right to file a grievance with us if you have any typeof problem with us or one of our network providers that does not involve coverage for an itemor service. If your problem involves quality of care, you also have the right to file a grievance withthe Quality Improvement Organization (QIO) for your state. Please refer to the Evidence of Coverage(EOC) for the QIO contact information.
As a member of WellCare Value (HMO-POS), you have the right to request a coverage determination,which includes the right to request an exception, the right to file an appeal if we deny coveragefor a prescription drug, and the right to file a grievance. You have the right to request a coveragedetermination if you want us to cover a Part D drug that you believe should be covered. Anexception is a type of coverage determination. You may ask us for an exception if you believe youneed a drug that is not on our list of covered drugs or believe you should get a non-preferred drugat a lower out-of-pocket cost. You can also ask for an exception to cost utilization rules, such asa limit on the quantity of a drug. If you think you need an exception, you should contact us beforeyou try to fill your prescription at a pharmacy. Your doctor must provide a statement to supportyour exception request. If we deny coverage for your prescription drug(s), you have the right toappeal and ask us to review our decision. Finally, you have the right to file a grievance if you haveany type of problem with us or one of our network pharmacies that does not involve coverage
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for a prescription drug. If your problem involves quality of care, you also have the right to file agrievance with the Quality Improvement Organization (QIO) for your state. Please refer to theEvidence of Coverage (EOC) for the QIO contact information.
What is a Medication Therapy Management (MTM) program?
A Medication Therapy Management (MTM) Program is a free service we offer. You may be invitedto participate in a program designed for your specific health and pharmacy needs. You may decidenot to participate but it is recommended that you take full advantage of this covered service ifyou are selected. Contact WellCare Value (HMO-POS) for more details.
What types of drugs may be covered under Medicare Part B?
Some outpatient prescription drugs may be covered under Medicare Part B. These may include,but are not limited to, the following types of drugs. Contact WellCare Value (HMO-POS) for moredetails.
1 Some Antigens: If they are prepared by a doctor and administered by a properly instructedperson (who could be the patient) under doctor supervision.1 Osteoporosis Drugs: Injectable osteoporosis drugs for some women.1 Erythropoietin (Epoetin Alfa or Epogen®): By injection if you have end-stage renal disease
(permanent kidney failure requiring either dialysis or transplantation) and need this drug to treatanemia.1 Hemophilia Clotting Factors: Self-administered clotting factors if you have hemophilia.1 Injectable Drugs: Most injectable drugs administered incident to a physician's service.1 Immunosuppressive Drugs: Immunosuppressive drug therapy for transplant patients if the
transplant took place in a Medicare-certified facility and was paid for by Medicare or by a privateinsurance company that was the primary payer for Medicare Part A coverage.1 Some Oral Cancer Drugs: If the same drug is available in injectable form.1 Oral Anti-Nausea Drugs: If you are part of an anti-cancer chemotherapeutic regimen.1 Inhalation and Infusion Drugs administered through Durable Medical Equipment.
Where can I find information on plan ratings?
The Medicare program rates how well plans perform in different categories (for example, detectingand preventing illness, ratings from patients and customer service). If you have access to the web,you may use the Web tools on www.medicare.gov and select "Health and Drug Plans" then "CompareDrug and Health Plans" to compare the plan ratings for Medicare plans in your area. You can alsocall us directly to obtain a copy of the plan ratings for this plan. Our customer service number islisted below.
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Please call WellCare for more information about WellCare Value (HMO-POS).
Visit us at www.wellcare.com or, call us:
Customer Service Hours for October 1 – February 14: Sunday, Monday, Tuesday,Wednesday, Thursday, Friday, Saturday, 8:00 a.m. - 9:00 p.m. EasternCustomer Service Hours for February 15 – September 30: Monday, Tuesday, Wednesday,Thursday, Friday, 8:00 a.m. – 9:00 p.m. Eastern
Current members should call toll-free and locally (866) 334-6876 for questions relatedto the Medicare Advantage program or Medicare Part D Prescription Drug program.(TTY/TDD (877) 247-6272)
Prospective members should call toll-free and locally (877) 817-5794 for questionsrelated to the Medicare Advantage program or Medicare Part D Prescription Drugprogram. (TTY/TDD (877) 247-6272)
For more information about Medicare, please call Medicare at 1-800-MEDICARE(1-800-633-4227). TTY users should call 1-877-486-2048. You can call 24 hours a day, 7 daysa week. Or, visit www.medicare.gov on the web.
This document may be available in other formats such as Braille, large print or other alternateformats. This document may be available in a non-English language. For additional information,call customer service at the phone number listed above.
Este documento puede estar disponible en un idioma diferente al inglés. Para informaciónadicional, llame a Servicio al Cliente al número de teléfono indicado más arriba.
English: We have free interpreter services to answer any questions you may have about our health or drug plan. To get an interpreter, just call us at 1-877-374-4056. Someone who speaks English can help you. This is a free service. Spanish: Tenemos servicios de intérprete sin costo alguno para responder cualquier pregunta que pueda tener sobre nuestro plan de salud o medicamentos. Para hablar con un intérprete, por favor llame al 1-877-374-4056. Alguien que hable español le podrá ayudar. Este es un servicio gratuito.
Chinese Mandarin: 我们提供免费的翻译服务,帮助您解答关于健康或药物保险的任何疑问。
如果您需要此翻译服务,请致电 1-877-374-4056。我们的中文工作人员很乐意帮助您。这是
一项免费服务。
Chinese Cantonese: 您對我們的健康或藥物保險可能存有疑問,為此我們提供免費的翻譯服
務。如需翻譯服務,請致電 1-877-374-4056。我們講中文的人員將樂意為您提供幫助。這是
一項免費服務。
Tagalog: Mayroon kaming libreng serbisyo sa pagsasaling-wika upang masagot ang anumang mga katanungan ninyo hinggil sa aming planong pangkalusugan o panggamot. Upang makakuha ng tagasaling-wika, tawagan lamang kami sa 1-877-374-4056. Maaari kayong tulungan ng isang nakakapagsalita ng Tagalog. Ito ay libreng serbisyo.
French: Nous proposons des services gratuits d'interprétation pour répondre à toutes vos questions relatives à notre régime de santé ou d'assurance-médicaments. Pour accéder au service d'interprétation, il vous suffit de nous appeler au 1-877-374-4056. Un interlocuteur parlant Français pourra vous aider. Ce service est gratuit.
Vietnamese: Chúng tôi có dịch vụ thông dịch miễn phí để trả lời các câu hỏi về chương sức khỏe và chương trình thuốc men. Nếu quí vị cần thông dịch viên xin gọi 1-877-374-4056 sẽ có nhân viên nói tiếng Việt giúp đỡ quí vị. Đây là dịch vụ miễn phí .
German: Unser kostenloser Dolmetscherservice beantwortet Ihren Fragen zu unserem Gesundheits- und Arzneimittelplan. Unsere Dolmetscher erreichen Sie unter 1-877-374-4056. Man wird Ihnen dort auf Deutsch weiterhelfen. Dieser Service ist kostenlos.
Korean: 당사는 의료 보험 또는 약품 보험에 관한 질문에 답해 드리고자 무료 통역 서비스를
제공하고 있습니다. 통역 서비스를 이용하려면 전화 1-877-374-4056 번으로 문의해
주십시오. 한국어를 하는 담당자가 도와 드릴 것입니다. 이 서비스는 무료로 운영됩니다.
Russian: Если у вас возникнут вопросы относительно страхового или медикаментного плана, вы можете воспользоваться нашими бесплатными услугами переводчиков. Чтобы воспользоваться услугами переводчика, позвоните нам по телефону 1-877-374-4056. Вам окажет помощь сотрудник, который говорит по-pусски. Данная услуга бесплатная.
Arabic: ليس فوري، مترجم على للحصول. لدينا األدوية جدول أو بالصحة تتعلق أسئلة أي عن لإلجابة المجانية الفوري المترجم خدمات نقدم إننا
العربية يتحدث ما شخص سيقوم. 4053-374-777-1 على بنا االتصال سوى عليك مجانية خدمة هذه. بمساعدتك .
Italian: È disponibile un servizio di interpretariato gratuito per rispondere a eventuali domande sul nostro piano sanitario e farmaceutico. Per un interprete, contattare il numero 1-877-374-4056. Un nostro incaricato che parla Italianovi fornirà l'assistenza necessaria. È un servizio gratuito.
Portugués: Dispomos de serviços de interpretação gratuitos para responder a qualquer questão que tenha acerca do nosso plano de saúde ou de medicação. Para obter um intérprete, contacte-nos através do número 1-877-374-4056. Irá encontrar alguém que fale o idioma Português para o ajudar. Este serviço é gratuito.
French Creole: Nou genyen sèvis entèprèt gratis pou reponn tout kesyon ou ta genyen konsènan plan medikal oswa dwòg nou an. Pou jwenn yon entèprèt, jis rele nou nan 1-877-374-4056. Yon moun ki pale Kreyòl kapab ede w. Sa a se yon sèvis ki gratis.
Polish: Umożliwiamy bezpłatne skorzystanie z usług tłumacza ustnego, który pomoże w uzyskaniu odpowiedzi na temat planu zdrowotnego lub dawkowania leków. Aby skorzystać z pomocy tłumacza znającego język polski, należy zadzwonić pod numer 1-877-374-4056. Ta usługa jest bezpłatna.
Hindi: हमारे स्वास््य या दवा की योजना के बारे में आपके ककसी भी प्रश्न के जवाब देने के लिए हमारे पास मुफ्त दभुाषिया सेवाए ँउपिब्ध हैं. एक दभुाषिया प्राप्त करने के लिए, बस हमें 1-877-374-4056 पर फोन करें. कोई व्यक्तत जो हहन्दी बोिता है आपकी मदद कर सकता है. यह एक मुफ्त सेवा है.