Your Medicare Advantage Solutions © 2011 Coventry Health Care, Inc. Y0022_2011_6002_092a_FINAL9 CMS Approval Date: 04/14/2011
Jan 12, 2016
Your Medicare Advantage Solutions
© 2011 Coventry Health Care, Inc.Y0022_2011_6002_092a_FINAL9 CMS Approval Date: 04/14/2011
2
Agenda
• Do You Qualify?• Understanding Your Needs• Who We Are• How Medicare Works• Plan Benefits• Network• Member Rights/Responsibilities• Plan Value• Enrollment• What Happens Next (if you enroll)
3
Do You Qualify - Eligibility
Three Eligibility Requirements:
• Must have both Medicare Parts A & B
• Must live in the plan’s service area
• Not have End Stage Renal Disease (ESRD) – some exceptions
Also Important to Know: • Part D Eligibility – Must have Part
A and/or B
• Must still pay Medicare Part B premium (if not paid for by Medicaid or another third party)
4
Do You Qualify - Plan Service Area
5
Understanding Your Needs
• Why did you decide to look into PersonalCare plans?
• What other coverage do you have now?
• What types of coverage have you had in the past?
• What health care access considerations are important to you?
6
Who We Are – Coventry Health Care
More than 20 years1 of experience administering health plans
Experience
Financial Stability
Presence
Fortune 500 Company
Serve more than 1.3 million2 Medicare beneficiaries
Sources: 1. Public website www.coventryhealthcare.com. 2. Publicly published CMS report “Monthly Enrollment by Contract – July 2011.” Can be accessed from www.cms.hhs.gov.
7
Who We Are - Your Neighborhood Health Plan
• Location: 2110 Fox Drive Suite A Champaign, IL 61820-
7592• Plan Rating: 4 Stars!• Plan ratings: www.medicare.gov
or call the plan
8
How Medicare Works
• PersonalCare sells Medicare Advantage plans through its contract with the Centers for Medicare and Medicaid Services (CMS)
• Benefit information presented is not comprehensive – contact the plan for complete details
• Plan benefits are subject to change annually• You are still a part of Medicare• You receive the same benefits offered under
Original Medicare• PersonalCare will pay for your health care
services, not Medicare• My compensation
9
Part C – Medicare Advantage
Part A - Hospital
How Medicare Works – The 4 Parts
Part B – Doctor’s Services
Part D – Prescription Drug
10
How Medicare Works - Enrollment Periods
Annual Enrollment
Period (AEP)
Medicare Advantage Disenrollme
nt Period (MADP)
Initial Coverage Election Period (ICEP)
Initial Enrollment
Period – Part D (IEP)
Special Election Period (SEP)
Oct. 15 to Dec. 7
Jan. 1 to Feb. 14
3 months before and 3 months after eligible for Part B
Entitled to Part A OR enrolled in Part B
Varies based on circumstance
All people with Medicare may enroll or disenroll from a plan (coverage will start 1/1/12)
May switch back to Original Medicare and elect a Part D plan
Newly eligible may enroll in a Medicare Advantage plan
Newly eligible may enroll in a Part D plan
May enroll or disenroll in a plan because of a special circumstance
11
How Medicare Works – Part D Late Enrollment Penalty
What is it?
The amount added to your premium if you did not join a Medicare drug plan when you were first eligible AND you did not have creditable drug coverage OR you had a break in your drug coverage for 63 days in a row.
Are there exceptions?
Yes, if you have credible drug coverage or get Extra Help, you don’t pay a penalty.
Q.
A.
Q.
A.
12
Extra Help (Low Income Subsidy [LIS]) – You may qualify
Program Help Paying For…
Extra Help Prescription drug premium and costs
QMB (Qualified Medicare
Individual)
Part A and B premiums, and other cost-sharing (like deductibles, coinsurance and copays)
SLMB(Special Low-income
Medicare Beneficiary)
Part B premium
• 1-800-Medicare (1-800-633-4227), 24 hours a day/7 days a week
(TTY 1-877-486-2048)
• Social Security Office 1-800-772-1213, 7 a.m. to 7 p.m. (TTY 1-800-325-0778)
• State Medicaid Office
• www.Medicare.gov
13
Extra Help – Find Out More
www.BenefitsCheckUp.org/Coventry
One-stop resource for determining eligibility for programs that can help with all types of expenses, including health care,
prescriptions, taxes, utilities and more!
14
Plan Benefits - Kit Contents
15
Plan Benefits
16
2012 Standard Part D Benefit Design
Deductible
Initial Coverage Limit (ICL)
Coverage Gap Catastrophic Coverage
Beneficiary pays first
$320 worth of
prescription costs
before the plan starts to pay its
share.
Beneficiary pays a copayment/coinsurance and their plan pays its share for each covered
drug until their combined amount (including the deductible) reaches
$2,930.
Once the beneficiary and their plan have
spent $2,930 for covered drugs, the beneficiary is in the
coverage gap.
In 2012, the beneficiary gets a 50%
discount on covered brand-name
prescription drugs and 14% discount on covered generic
prescription drugs that counts as
out‑of‑pocket spending, and helps them get out of the
coverage gap.
Once the beneficiary has spent $4,700
out‑of‑pocket for the year, their coverage gap ends. Now they
only pay a small copayment or
coinsurance for each drug until the end of
the year.
$2.60 for generic$6.50 for brand or a
5% coinsurance, which ever is
greater.
You pay NO prescription drug deductible with PersonalCare
17
Reaching the Coverage Gap
Example*:30-day supply of a prescription = $100 (total
drug cost)
You Pay Plan Pays
Amount that counts toward the Initial Coverage Limit of
$2,930
$10 $90 $100*This is only an example and does not represent the actual cost
you will pay for your specific prescription medication(s)If you are receiving Extra Help, the coverage gap does not apply to you
18
Closing the Coverage Gap
Example*: 30-day supply of a brand-name drug
Contracted Cost
Dispensing Fee Contracted Cost After 50%
Discount
Total Member Cost
(Discounted Cost +
Dispensing Fee)
$100 $2 $50 $52**With Health Care Reform, beneficiaries will now receive discounts on their generic and brand-name drugs once they enter the gap
**2012 True Out of Pocket (TrOOP) is $4,700. It includes any applicable deductible, copayments, coinsurance and out of pocket costs for covered drugs in the coverage gap.
*This is only an example and does not represent the actual cost you will pay for your specific prescription medication(s)
If you are receiving Extra Help, the coverage gap does not apply to you
19
Prescription Plan Benefits
• Formulary Exception – You can ask the plan to make an exception to the coverage rules
• Cost Tiers – Each drug is categorized by Tier, which determines how much you will pay for that drug
• Restrictions – Some drugs have Prior Authorization, Quantity Limits and/or Step Therapy requirements
• Transition Process – If you are entering or leaving a long-term facility, you can receive a one-time emergency 31-day supply of your medication(s)
• Network – Extensive network of participating pharmacies, as well as mail order option for long term medications
Important: Review the plan’s Formulary and Summary of Benefits for details on the pharmacy benefit. Online
searchable formulary: www.pcadvantra.com
20
Network Overview
Extensive network of physicians, hospitals and facilities to provide you with convenient access to quality care
21
Member Rights – Appeals/Grievances and More
As a member, you can:• File a grievance if you have a specific concern/complaint or
file an appeal if you disagree with a coverage of care decision
• Access medical treatment regardless of race, national origin,
religion, physical handicap or source of payment
• Receive treatment for any emergency medical condition
• Refuse treatment, unless otherwise provided by law
• Be treated with dignity, respect, and right to privacy
• Receive information about the plan, its services and providers
22
Member Responsibilities
As a member, your responsibilities include:
• Member pays plan premium and cost sharing
• Notify PersonalCare if you receive care from a non-network provider, inside or outside service area
• Out-of-Network services may incur a higher level of cost sharing
• Notify PersonalCare and Social Security Administration if you move, even if only a temporary move
• Submit your change of address, new telephone number in writing to PersonalCare
• If you move, but do not move out of the current service area, you may not have to disenroll (call the plan to confirm)
23
Plan Value Summary
• Comprehensive and flexible coverage to meet your medical and prescription drug needs
• $0 or low monthly plan premium options and predictable expenses
• Benefits to help you live life your way at a price you want
Take charge of your Medicare. The choice is yours.
24
Enrollment – What You Need to Know
25
Enrollment - What Happens Next
Once we receive your application, we’ll confirm your Medicare eligibility with CMS.
A plan representative will make three (3) attempts to call you within 15 days of receiving your application to: Confirm that you have enrolled in our plan. Review some important information about the plan and answer any questions you
may have.
If we are unable to reach you after the first attempt, you will receive a letter outlining the plan rules. Both the telephone calls and letters will cover the same information.
You will receive a letter that your application was received and is being processed
If your application was incomplete, you will receive a letter explaining what information is missing. You must reply by calling the telephone number listed on the letter within 21 days of the date on the letter to avoid cancellation of your application.
Once your application is approved, you will receive another letter confirming your membership with our plan (Use this letter as proof of insurance until you receive your member ID card.)
In the next few weeks, you will receive important materials regarding your coverage
26
Enrollment – Your New Card
27
Closing
Thank You!