Medicare-Eligible Welcome Kit

Size: px
Start display at page:

Download "Medicare-Eligible Welcome Kit"

Transcription

1 This booklet contains important information on how health care plan changes will affect you. *Services provided by Mercer Health & enefits Administration LLC. Mercer Marketplace 365SM* P.O. ox 14401, Des Moines, IA (toll-free) (TTY) (fax)

2 INCLUDED IN THIS KIT WHO S WHO...3 There are many people supporting you through this change. This list will help you understand the roles and responsibilities of each group. WHAT YOU NEED TO KNOW...4 Knowing what to do and what to expect will help you prepare for a smooth transition. APPOINTMENT PREPARATION...5 Following these steps will help you get the most out of your appointment with your enefits Counselor. QUESTIONS TO THINK AOUT...6 Considering these issues will help you make an informed decision. HEALTH CARE PROVIDER TRACKER...7 List your important health care providers to help determine what kind of plan will best meet your needs. PRESCRIPTION DRU TRACKER...8 ather your prescriptions in one place to give you a head start toward making a sound selection. MEDICARE OPTIONS...9 This tutorial will help you decide which plan options best fit your needs and budget. HEALTH REIMURSEMENT ACCOUNT (HRA)...10 Important facts about the HRA. NOTES...11 Use this page to keep track of any items you wish to discuss when you talk to your enefits Counselor. PAE 2 Welcome to Mercer Marketplace 365. Having the right health care coverage to meet your needs and budget during retirement is important. That s why TransCanada is partnering with Mercer Marketplace 365 to provide resources that will help you choose a plan from a variety of health care coverage options. You will shop for and enroll in your new coverage through Mercer Marketplace 365. You now have several options to choose from to meet your medical and prescription drug needs. Mercer Marketplace 365 and its enefits Counselors are ready to support you before, during, and long after your medical plan changes. They will help you understand the different individual plans offered to you, determine the best plan for you, and help you enroll. When you sign up for your new coverage through Mercer Marketplace 365, TransCanada will provide you with a subsidy to offset the cost of your health insurance. The subsidy will be placed in a Health Reimbursement Account ( HRA ) set up in your name. This is a special, tax-free account that you may use to reimburse yourself for insurance premiums and eligible health care expenses as defined by the IRS. Page 10 provides more information about your Health Reimbursement Account. To be eligible for the subsidy, you must enroll for medical coverage through Mercer Marketplace 365. You will have a dedicated enefits Counselor from Mercer Marketplace 365. Your enefits Counselor will help you compare your medical, prescription drug, dental, and vision coverage options. You can also visit our website to compare your options and learn more about Medicare. Refer to page 5 for more information about connecting with your enefits Counselor. In the meantime, review this Welcome Kit. It contains tools and exercises to help you start learning about your new health plan options. Completing the information in this kit will make it easy for you and your enefits Counselor to evaluate your options and get you enrolled. Our team is excited to serve you in this new program. enefits Counselors are available to support you during your enrollment period. You may reach Mercer Marketplace 365 Monday through Friday, from 8:00 a.m. to 5:30 p.m.est at toll-free (TTY ) to set up a consultation. Or, visit us online at at your convenience, 24 hours a day, seven days a week. For additional information about Mercer Marketplace 365, including our compensation and privacy practices, please see the enclosed documents. We look forward to working with you. Mercer Marketplace 365

3 Our enefits Counselors will help you through the change in health insurance and get the most out of your Health Reimbursement Account (HRA). Who s Who? You are not alone in this change. TransCanada carefully evaluated the retiree health insurance market and selected a team of companies and individuals to support you throughout the enrollment period and in the future. TransCanada values their retiree relationships and continues to work to provide access to comprehensive programs that support the needs of retirees and their families. TransCanada research determined that the robust individual health insurance market offers retirees choice and flexibility in coverage options to maximize the value of your HRA dollars. To best support retirees with the service and support necessary for this transition, TransCanada evaluated several potential partners and has assembled the following team: MERCER MARKETPLACE 365 Our enefits Counselors are licensed insurance professionals who are available to assist you with this transition. They will help you learn how to evaluate and compare plans to select a strategy that best fits your needs. When you have selected your plan(s), your enefits Counselor will help you through the enrollment process to ensure that all information is submitted accurately and timely to the insurance carrier(s). Once you have enrolled, your enefits Counselor continues to support you throughout the year with your reimbursement requests, HRA inquiries, and insurance advocacy. INSURANCE COMPANIES You will be able to enroll in individual health plan policies offered by leading health insurance companies. You may choose from any of several Medicare Supplement, Medicare Advantage, Part D, Dental and Vision plans. Once you enroll in your selected plan, a new health insurance card will be issued to you by your new insurance carrier. PAE 3

4 WHAT YOU NEED TO KNOW efore your call with Mercer Marketplace 365 KEEP TRACK OF YOUR HEALTH AND PRESCRIPTION DRU COSTS AND LIST YOUR PROVIDERS Start by keeping track of your individual health care needs. This step will prepare you for your call with your enefits Counselor. Use the Health Care Provider Tracker to list your important providers. Use the Prescription Drug Tracker to record your monthly prescriptions. Providing correct information in the trackers will help your enefits Counselor at Mercer Marketplace 365 analyze your health care insurance needs. As soon as possible SCHEDULE A TELEPHONE CONSULTATION WITH YOUR ENEFITS COUNSELOR Call Mercer Marketplace 365 at to schedule a one-on-one consultation with your dedicated enefits Counselor. In addition to support from your enefits Counselor, you will also have access to Medicare Supplement, Medicare Advantage and Prescription Drug plan information. To avoid a gap in your health care coverage ENROLL IN YOUR HEALTH PLAN When you are ready to enroll in your new plan(s), call your enefits Counselor at or TTY Post enrollment EXPECT YOUR ENROLLMENT PACKAE After submitting your enrollment, please watch for an enrollment package from your enefits Counselor. This package will provide details on when to expect your insurance card(s), how to access your HRA, how to submit claims and when you will receive reimbursements. Ongoing UTILIZE YOUR ENEFITS COUNSELOR Your enefits Counselor is your year-round advocate. Call your Mercer Marketplace 365 enefits Counselor whenever you have questions about any health insurance related matters. PAE 4

5 NEXT STEPS Appointment Preparation ACT QUICKLY for your new health care plan to be effective as applicable. QUESTIONS FOR MY ENEFITS COUNSELOR Follow these steps to ensure that you are prepared for your phone consultation with a Mercer Marketplace 365 enefits Counselor. 1 Call Mercer Marketplace 365 Monday through Friday between 8:00 a.m. and 5:30 p.m. EST at to schedule your one-on-one consultation with a enefits Counselor. Appointment Date Time enefits Counselor Phone 2 Prepare for your appointment. To help guide your decision, please see the Questions To Think About on page 6. 3 Complete the Health Care Provider Tracker and Prescription Drug Tracker forms included in this kit. Please mail, fax, or this information at least 10 days before your appointment. TransCanada.Retiree.Exchange@mercer.com Secure fax: Address: Mercer Marketplace 365 P.O. ox Des Moines, IA Please see page 9 for information on the differences among Medicare, Medicare Supplement, and Medicare Advantage Plans. 4 5 Write down your questions or concerns in the space on the left side of this page. Your enefits Counselor will take the time to explain your health care insurance options and answer any questions you have. Our goal is to help you select the health plan that best fits your needs. Have your Medicare (red, white, and blue) ID card available. You will need to provide both your Part A and Part effective dates. Please do not or fax this card or Medicare number. PAE 5

6 PREPARIN FOR YOUR CONSULTATION Questions to Think About 1.Do you have end stage renal disease (ESRD)? With so many health care plans to consider, it helps to narrow down options based on certain criteria that are important to you. Your answers to these questions will help the enefits Counselor discuss health care insurance plans that best fit your needs. 2.Do you currently reside in a Nursing Home or Assisted Living Facility? 3.Do you anticipate spending considerable time away from your primary residence during which you would seek nonemergency medical care? 4.Do you use the same group of health care providers? Are they relatively consistent and close to home? 5.Are you comfortable with an HMO/PPO network which may include some, but not all, of your providers and may not provide care outside your area without additional higher fees? 6.Would you be willing to switch providers if the most economical health plan did not include your current providers? 7.Do you use health care providers that do not accept Medicare? (You can call your providers and ask the billing department.) 8.Are you entitled to TRICARE For Life, other prescription drug/ health benefits through the VA, or any other health or prescription drug benefits not listed here? 9.Has Medicare or the Social Security Administration notified you that you are eligible for assistance with paying for Medicare prescription drug plan costs? 10.Are you currently receiving Medicaid benefits? PAE 6

7 NAME PHONE (PLEASE PRINT) Health Care Provider Tracker List your current health care providers on this sheet. Most health care plans like HMOs and PPOs use networks. athering your health care providers information here will help you and a enefits Counselor compare access to your current providers. You also can contact your providers and ask them which Medicare plans they accept. 1. PRIMARY CARE PHYSICIAN NAME PHONE ADDRESS athering your health care providers information will help determine if your providers accept the new health insurance you are considering. TIP Some providers do not participate in certain HMO and PPO plans. 2. SPECIALIST NAME PHONE ADDRESS 3. SPECIALIST NAME PHONE ADDRESS 4. OTHER NAME PHONE ADDRESS 5. OTHER NAME PHONE ADDRESS Please submit this worksheet days prior to your scheduled appointment. Mail, fax, or to: Mercer Marketplace 365 P.O. ox 14401, Des Moines, IA Fax: TransCanada.Retiree.Exchange@mercer.com PAE 7

8 All Medicare Part D prescription drug plans cover generic drugs at considerable savings over brandname prescriptions. You may want to have a discussion with your provider regarding the possibility of switching current brand prescriptions to generics before you enroll in a new Prescription Drug plan. NAME PHONE (PLEASE PRINT) Prescription Drug Tracker (Please Print Clearly) In order to construct an accurate cost analysis, we will need your complete and accurate prescription drug information. For example, it is important to indicate the name of the prescription drug that you are taking, and whether you are taking a RAND or ENERIC version. Please note, over-the-counter medications, vitamins, and supplements are not covered by prescription drug plans (e.g., Medicare Part D) and therefore are not required on this form. IF THE IF THE SUPPLY SUPPLY OF A OF PRESCRIPTION A MEDICATION DRU LASTS LASTS LONER LONER THAN THAN ONE ONE MONTH MONTH OR IS OR IS ONLY USED AS NEEDED (PRN), PLEASE TELL US HOW OFTEN IT IS ORDERED. NAME OF MEDICINE (Excluding vitamins and over the counter) RAND OR ENERIC FORM AND DOSAE PACKAE SIZE / QUANTITY MONTHLY (Quantities, number of packages) COST EXAMPLES: Simvastatin 20 mg tablet Timolol Maleate Opthalmic Sol 0.5% OP Sol 10 ml bottle 1 bottle per month Nasocort AQ AER 55 mcg/ac 16.5 gm inhaler 1 inhaler per month Ciclopirox el 0.77% gel 30 gm tube 1 tube per month Lantus Solostar INJ ml 3 ml pen (pack of 5) 10 pens (2 packs of 5 pens per month) Please complete one Prescription Drug Tracker per person. Please mail, fax, or this worksheet days before your scheduled appointment to: PAE 8 Mercer Marketplace 365 P.O. ox 14401, Des Moines, IA Fax: TransCanada.Retiree.Exchange@mercer.com

9 Original Medicare with Medicare Supplement (Medigap) vs. Medicare Advantage Use this chart to help you decide which plan is right for you. ORIINAL MEDICARE WITH MEDICARE SUPPLEMENT PART A (HOSPITAL INSURANCE) PART (MEDICAL INSURANCE) Medicare provides this coverage. You have your choice of doctors, hospitals, and other providers that accept Medicare. Most people pay a monthly premium for Part. In addition, you will pay deductibles for services covered under Parts A and and pay co-insurance for all Medicare-covered services. IN ADDITION, YOU MAY ADD A MEDICARE SUPPLEMENT POLICY TO YOUR PART A AND MEDICARE COVERAE. These plans are offered by private insurance companies that pay all or part of the deductibles and co-insurance with predictable out-of-pocket expenses. If you have a Medicare Supplement policy you cannot join a Medicare Advantage Plan. No network restrictions, as long as the provider accepts Medicare. If you want this coverage, you must choose a Medicare Prescription Drug Plan. These plans are run by private insurance companies approved by Medicare. You must pay the monthly plan premium and drug co-payments. STEP 1: DECIDE IF YOU WANT MEDICARE ADVANTAE PLAN LIKE AN HMO OR PPO NETWORK PART C: INCLUDES OTH PART A (HOSPITAL INSURANCE) & PART (MEDICAL INSURANCE) Private insurance companies approved by Medicare provide this coverage. In most plans, you need to use approved network doctors, hospitals, and other providers or you will pay more. You pay a monthly premium (depending upon the plan), your Part premium, and co-payments for covered services. Costs, rules, and coverage beyond what s covered in Medicare Parts A and will vary by plan. Note: If you join a Medicare Advantage Plan, you do not need to have a Medicare Supplement policy. Normally you will see lower monthly premium costs, but higher out-ofpocket expenses when services are rendered. STEP 2: DECIDE IF YOU WANT PRESCRIPTION DRU COVERAE (PART D) Most Medicare Advantage Plans include prescription drug coverage (Part D). enerally, the drug premium is included in your monthly Medicare Advantage premium. You will be responsible for co-payments and any other out-of-pocket plan costs. FACT oth Part D and Medicare Advantage plans are subject to the coverage gap (i.e., donut hole ) What is a donut hole? A donut hole refers to a coverage gap that you may enter after you and the prescription drug plan you have selected have spent a certain amount for covered prescription drugs. No plans currently eliminate the donut hole. Your enefits Counselor will be able to explain how the donut hole could impact you and your eligible dependents based on the specific prescription drugs taken. PAE 9

10 HRA (if applicable to you) TransCanada is providing an HRA for their retirees. This HRA may be used for Individual Health, Prescription Drug, Dental and Vision plan(s). This means that once you select your new plan(s), you will first pay your premiums directly to your insurance carrier, then be reimbursed by Mercer Marketplace 365 from your HRA account. ecause Mercer Marketplace 365 is administering these HRA reimbursements, you will have one place to call for all your insurance and reimbursement needs. Any change will be provided via direct communication from TransCanada. > Who s covered? Medicare-eligible retirees, if they elect individual health care insurance coverage through Mercer Marketplace 365. > How can I use the HRA? You can be reimbursed for certain eligible health care expenses (for example, your monthly premiums, and other eligible out-of-pocket expenses, including co-payments, coinsurance, deductibles, Medicare Part and D premiums). ONLINE ACCESS OF YOUR HRA You will be able to access your HRA information 24/7 by taking the following steps: 1) Visit TransCanada In the far right box, outlined in red below, click LOIN. Use the primary account holder s information to log in to access your HRA. 2) Next, in the red box outlined below, enter your Social Security Number (omit any dashes) as your User Name, and your Date of irth (MMDDYYYY) as your password. You will be prompted to change your password after you complete this initial log in. (This is a secure site.) WHEN TO EXPECT REIMURSEMENTS FROM YOUR HRA Approved claims received Monday through noon EST on Friday will be reimbursed Friday of the following week, excluding bank holidays. Direct deposits are made that Friday. Hard checks will be issued Friday and take approximately 3-5 business days to be delivered. To be eligible for subsidy from TransCanada, you must enroll through Mercer Marketplace 365 for your medical coverage. 3) From your dashboard, shown below, you can: View your account balance Submit claims and check their status Set up or edit direct deposit Access many other convenient features PAE 10

11 NOTES AND QUESTIONS FOR A ENEFITS COUNSELOR PAE 11

12 PAE 12

Medicare-Eligible Welcome Kit

Medicare-Eligible Welcome Kit This booklet contains important information on how health care plan changes will affect you. *Services provided by Mercer Health & enefits Administration LLC. Mercer Marketplace 365SM* P.O. ox 14401, Des

More information

Medicare-Eligible Welcome Kit

Medicare-Eligible Welcome Kit Medicare-Eligible Welcome Kit This booklet contains important information on how healthcare plan changes will affect you. *Services provided by Mercer Health & enefits Administration LLC. Mercer Marketplace

More information

Under 65 Participant Welcome Kit

Under 65 Participant Welcome Kit Under 65 Participant Welcome Kit This booklet contains important information on your health care coverage. *Services provided by Mercer Health & enefits Administration LLC. Mercer Marketplace 365SM* P.O.

More information

WINDSTREAM WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS

WINDSTREAM WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS WINDSTREAM WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS YOU WILL WANT TO LOOK INSIDE TO LEARN MORE ABOUT: Connecting with a licensed Benefits Counselor Exploring your new healthcare coverage options

More information

COMCAST NBCUNIVERSAL WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS

COMCAST NBCUNIVERSAL WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS COMCAST NBCUNIVERSAL WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS LOOK INSIDE TO LEARN MORE ABOUT: Connecting with a licensed Benefits Counselor Exploring your new healthcare coverage options Enrolling

More information

Extend Health. New Health Coverage with More Choices

Extend Health. New Health Coverage with More Choices Extend Health New Health Coverage with More Choices Get ready for a new approach to health coverage with more flexibility to choose a plan that fits your needs. Effective January 1, 2013, health care benefits

More information

COMCAST NBCUNIVERSAL WELCOME KIT FOR PRE-65 INDIVIDUALS

COMCAST NBCUNIVERSAL WELCOME KIT FOR PRE-65 INDIVIDUALS COMCAST NBCUNIVERSAL WELCOME KIT FOR PRE-65 INDIVIDUALS LOOK INSIDE TO LEARN MORE ABOUT: Connecting with a licensed Benefits Counselor Exploring your new healthcare coverage options Enrolling in a plan

More information

MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE

MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE Please keep this guide in a convenient location so that you may refer to it as needed. Contact us by: Phone (toll-free): 1-866-321-0967 For deaf or hard of

More information

2016 Your. Getting Started Guide. Prepare for Your Medicare Plan Enrollment

2016 Your. Getting Started Guide. Prepare for Your Medicare Plan Enrollment 2016 Your Getting Started Guide Prepare for Your Medicare Plan Enrollment Important! How to Contact Us Contact us by phone 1-844-287-9945 (TTY: 711) Monday through Friday, 8 a.m. until 9 p.m. Eastern Time

More information

Chevron Retirees Association. October 15 December 7, 2017

Chevron Retirees Association. October 15 December 7, 2017 Chevron Retirees Association Chevron / OneExchange Open Enrollment October 15 December 7, 2017 The Chevron Retirees Association is not a subsidiary of the Chevron Corporation but an independent, non-profit

More information

Helping You Prepare For Your Upcoming Medicare Enrollment

Helping You Prepare For Your Upcoming Medicare Enrollment Welcome PEBP 1 Helping You Prepare For Your Upcoming Medicare Enrollment October, 2016 2016 Willis Towers Watson. All rights reserved. OneExchange Who We Are Your Future Coverage OneExchange For Your Benefit

More information

2018 healthcare benefits for retirees age 65 and older Welcome!

2018 healthcare benefits for retirees age 65 and older Welcome! 2018 healthcare benefits for retirees age 65 and older who retired under the 2005 or later agreements between Caterpillar and the UAW (and/or eligible spouses/partners) Welcome! In the event that the content

More information

Evidence of Coverage:

Evidence of Coverage: GROUP MEDICARE PLANS January 1 December 31, 2017 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of University of Iowa Health Alliance Medicare

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

2015 Medicare Advantage Plans

2015 Medicare Advantage Plans Quality health plans & benefits Healthier living Financial well-being Intelligent solutions 2015 Medicare Advantage Plans Y0001_6013_3396 Approved 7/2014 18.25.348.1 (8/14) Agenda Why choose Aetna? Enrollment

More information

Annual Notice of Changes for 2018

Annual Notice of Changes for 2018 Aetna Medicare SM Plan (PPO) Annual Notice of Changes for 2018 1 Aetna Medicare SM Plan (PPO) Offered by Aetna Life Insurance Company Annual Notice of Changes for 2018 November 2017 What to do now 1. ASK:

More information

MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE

MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE Please keep this guide in a convenient location so that you may refer to it as needed. Contact us by: Phone (toll-free): 1-866-609-4810 For deaf or hard of

More information

Information for Age 65+ NXP Medicare-Eligible Retirees and Medicare-Eligible Dependents

Information for Age 65+ NXP Medicare-Eligible Retirees and Medicare-Eligible Dependents Information for Age 65+ NXP Medicare-Eligible Retirees and Medicare-Eligible Dependents Beginning January 1, 2016, NXP retirees who are at least 65 years old and eligible for Medicare (or their dependent

More information

Getting Started with Medicare

Getting Started with Medicare Getting Started with Medicare TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll

More information

PROVIDENCE MEDICARE PRIME + RX (HMO-POS) MEMBER HANDBOOK EVIDENCE OF COVERAGE JAN. 1 DEC. 31, 2016

PROVIDENCE MEDICARE PRIME + RX (HMO-POS) MEMBER HANDBOOK EVIDENCE OF COVERAGE JAN. 1 DEC. 31, 2016 PROVIDENCE MEDICARE PRIME + RX (HMO-POS) MEMBER HANDBOOK EVIDENCE OF COVERAGE JAN. 1 DEC. 31, 2016 January 1 December 31, 2016 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription

More information

Getting Started Guide

Getting Started Guide 2018 Getting Started Guide Prepare for your 2018 Medicare coverage enrollment IMPORTANT! Your current health plan ends on December 31, 2017. Your Annual Conference or employer and Wespath Benefits and

More information

2018 Evidence of Coverage

2018 Evidence of Coverage Los Angeles County 2018 Evidence of Coverage SCAN Classic (HMO) Y0057_SCAN_10174_2017F File & Use Accepted 08/17 18C-EOC300 January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits

More information

Ventura County 2018 Evidence of Coverage SCAN Classic (HMO)

Ventura County 2018 Evidence of Coverage SCAN Classic (HMO) Ventura County 2018 Evidence of Coverage SCAN Classic (HMO) Y0057_SCAN_10178_2017F File & Use Accepted 08/17 18C-EOC600 January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits

More information

CENTERS FOR MEDICARE & MEDICAID SERVICES

CENTERS FOR MEDICARE & MEDICAID SERVICES CENTERS FOR MEDICARE & MEDICAID SERVICES 2015 Medicare checklist Read the information in this booklet carefully. It has important information about the decisions you need to make. Watch the mail for your

More information

ANNUAL NOTICE OF CHANGES

ANNUAL NOTICE OF CHANGES VANTAGE MEDICARE ADVANTAGE 2017 ANNUAL NOTICE OF CHANGES and EVIDENCE OF COVERAGE Your Medicare Health Benefits and Services as a Member of Vantage Health Plan, Inc. CONTACT MEMBER SERVICES Local: (318)

More information

Helping You Prepare For Your Upcoming Medicare Enrollment

Helping You Prepare For Your Upcoming Medicare Enrollment Helping You Prepare For Your Upcoming Medicare Enrollment August 16, 2016 2016 Willis Towers Watson. All rights reserved. OneExchange Who We Are Your Future Coverage OneExchange For Your Benefit A Deeper

More information

Getting Started with Medicare

Getting Started with Medicare Getting Started with Medicare TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll

More information

THE BEGINNER S GUIDE TO

THE BEGINNER S GUIDE TO THE BEGINNER S GUIDE TO MEDICARE Dear Friend, Thanks for requesting a copy of our Beginner s Guide to Medicare. As someone new to Medicare, you may be a little confused about your Medicare coverage options.

More information

MERCER MARKETPLACE 365 S M * RRA INSTRUCTIONAL GUIDE

MERCER MARKETPLACE 365 S M * RRA INSTRUCTIONAL GUIDE MERCER MARKETPLACE 365 S M * RRA INSTRUCTIONAL GUIDE Please keep this guide in a convenient location so that you may refer to it as needed. Contact us by: Phone (toll-free): 1-866-435-5135 Dial 711 (deaf

More information

Welcome to America's 1st Choice! We want to thank you for considering America's 1st Choice for your Medicare coverage.

Welcome to America's 1st Choice! We want to thank you for considering America's 1st Choice for your Medicare coverage. Welcome to America's 1st Choice! We want to thank you for considering America's 1st Choice for your Medicare coverage. America s 1st Choice Insurance Company of North Carolina is a health plan with a Medicare

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Health Net Violet 2 (PPO) This booklet gives you the details about

More information

MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE

MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE Please keep this guide in a convenient location so that you may refer to it as needed. Contact us by: Phone (toll-free): 1-855-698-1568 For deaf or hard of

More information

2018 Getting Started Guide

2018 Getting Started Guide 2018 Getting Started Guide Prepare for Your 2018 Medicare Coverage Enrollment IMPORTANT! Your current health plan ends on CoverageEndDate. ClientName has chosen Via Benefits to work with

More information

Alyeska Pipeline Service Company Retiree Medicare Eligible Reimbursement Health Plan

Alyeska Pipeline Service Company Retiree Medicare Eligible Reimbursement Health Plan Alyeska Pipeline Service Company Retiree Medicare Eligible Reimbursement Health Plan This guide explains your upcoming Alyeska post age 65 retirement healthcare benefits, and the steps you must take to

More information

For Participants in the Management Retiree Plan Design

For Participants in the Management Retiree Plan Design INFORMATION AND ACTION GUIDE 2012 Benefits Enrollment This package contains everything you need to make your enrollment decisions, including: This guide; Your personalized enrollment worksheet; and Benefits

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Health Net Gold Select (HMO) This booklet gives you the details

More information

Evidence of Coverage January 1 December 31, 2018

Evidence of Coverage January 1 December 31, 2018 2018 Evidence of Coverage January 1 December 31, 2018 Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Gateway Health Medicare Assured Select SM (HMO) This plan,

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services as a Member of Aetna Medicare SM Plan (PPO). This booklet gives you the details about your Medicare health care

More information

Evidence of Coverage: Your Medicare Health Benefits and Services as a Member of Aetna Medicare SM Plan (PPO).

Evidence of Coverage: Your Medicare Health Benefits and Services as a Member of Aetna Medicare SM Plan (PPO). January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services as a Member of Aetna Medicare SM Plan (PPO). This booklet gives you the details about your Medicare health care

More information

2018 Evidence of Coverage

2018 Evidence of Coverage 2018 Evidence of Coverage PREMERA BLUE CROSS MEDICARE ADVANTAGE (HMO) HMO premera.com/ma January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Bright Advantage HMO This booklet gives you the details about

More information

OFF TO A FRESH START. ENROLLMENT GUIDE.

OFF TO A FRESH START. ENROLLMENT GUIDE. Let RHA help find the right individual health insurance policy for you. Visit www.rhaexchange.com/dte or call toll-free 1-844-866-8257, Monday through Friday, 9 a.m. 7 p.m. (ET). OFF TO A FRESH START.

More information

For agent use only - Not Intended for distribution to beneficiaries

For agent use only - Not Intended for distribution to beneficiaries Instructions for using this sales presentation: We want to help you deliver a compliant, effective sales presentation. Brokers/agents MUST follow not only the slides, but also the notes section. Each notes

More information

Insurance Trust for Delta Retirees (ITDR) Q&A following the October 18, 2017 BCBSGA Medicare Advantage PPO Webinar

Insurance Trust for Delta Retirees (ITDR) Q&A following the October 18, 2017 BCBSGA Medicare Advantage PPO Webinar Insurance Trust for Delta Retirees (ITDR) Q&A following the October 18, 2017 BCBSGA Medicare Advantage PPO Webinar Is the Medicare Advantage plan an HMO? Answer. No, the Medicare Advantage plan is a PPO

More information

Medicare prescription drug plans (Part D)

Medicare prescription drug plans (Part D) Medicare prescription drug plans (Part D) Medicare prescription drug plans (Part D) Help with prescription drug costs Works differently from Original Medicare Part A and Part B. You can only get Medicare

More information

New Approach to Retiree Health Care Coverage. New Choices Better Value

New Approach to Retiree Health Care Coverage. New Choices Better Value New Approach to Retiree Health Care Coverage New Choices Better Value What We ll Cover Today What s Changing and Why What You Need To Do Introducing Extend Health Understanding Supplemental Medicare Insurance

More information

2018 Evidence of Coverage

2018 Evidence of Coverage 2018 Evidence of Coverage PREMERA BLUE CROSS MEDICARE ADVANTAGE TOTAL HEALTH (HMO) Total Health HMO premera.com/ma January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services

More information

of coverage evidence Johns Hopkins Advantage MD (HMO) H3890_HMO001_ 0917 Accepted

of coverage evidence Johns Hopkins Advantage MD (HMO) H3890_HMO001_ 0917 Accepted 20 18 evidence of coverage Johns Hopkins Advantage MD (HMO) H3890_HMO001_ 0917 Accepted 12222017 January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of the SunSaver Plan (HMO-POS) This booklet gives you the details

More information

Medicare Advantage FAQ

Medicare Advantage FAQ Medicare Advantage FAQ Contents Medicare Advantage Talking Points... 2 University of Richmond Medicare Advantage Plan Questions... 3 Provider Acceptance Questions... 4 Claims Processing... 6 Frequently

More information

True Blue Connected Care (HMO-POS)

True Blue Connected Care (HMO-POS) True Blue Connected Care (HMO-POS) 2014 Evidence of Coverage January 1 December 31, 2014 Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of True Blue Connected Care

More information

Medicare Made Simple

Medicare Made Simple Medicare Made Simple TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll 10 Medicare

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Blue Shield 65 Plus (HMO) This booklet gives you the details about

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of AvMed Medicare Choice Broward County (HMO) This booklet gives

More information

Retiree Medical FAQs For Retirees

Retiree Medical FAQs For Retirees Retiree Medical FAQs For Retirees The following questions and answers are general in nature and are intended to provide basic information to retirees regarding the change to Dominion s Retiree Medical

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Regence BlueAdvantage HMO This booklet gives you the details about

More information

2014 HMO-POS Evidence of Coverage

2014 HMO-POS Evidence of Coverage 2014 HMO-POS Evidence of Coverage hap.org/medicare HAP Senior Plus (hmo-pos)-expanded Network Individual Plan 007 Option 2 Your Medicare Health Benefits and Services and Prescription Drug Coverage as a

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 True Blue (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 (HMO). Next year, there will

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Forever Blue Medicare PPO 751 offered by BlueCross BlueShield of Western New York Annual Notice of Changes for 2015 You are currently enrolled as a member of Forever Blue Medicare PPO 751. Next year, there

More information

F R E Q U E N T L Y A S K E D Q U E S T I O N S UnitedHealthcare Group Medicare Advantage PPO Plan

F R E Q U E N T L Y A S K E D Q U E S T I O N S UnitedHealthcare Group Medicare Advantage PPO Plan F R E Q U E N T L Y A S K E D Q U E S T I O N S UnitedHealthcare Group Medicare Advantage PPO Plan A. General Information About the UnitedHealthcare Group Medicare Advantage PPO Plan... 1 1. Why is Johnson

More information

Medicare Made Simple

Medicare Made Simple Medicare Made Simple TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll 10 Medicare

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Bright Advantage Plus HMO This booklet gives you the details about

More information

Aon Hewitt 1. Why is CenturyLink changing the way retiree health insurance is delivered for those eligible for Medicare?

Aon Hewitt 1. Why is CenturyLink changing the way retiree health insurance is delivered for those eligible for Medicare? Retiree Exchange (Applies to Legacy CenturyTel, Legacy Embarq 1/1/11 and later and Legacy Qwest Post-90 Management Retirees) Frequently Asked Questions (FAQ) Question Aon Hewitt 1. Why is CenturyLink changing

More information

Medicare in Maryland Navigating Medicare and Understanding Your Options

Medicare in Maryland Navigating Medicare and Understanding Your Options Medicare in Maryland Navigating Medicare and Understanding Your Options H8854_17_4041-07_003_OE CMS Accepted 6/13/2017 Table of Contents Introduction... 1 Medicare: A Brief History... 2 The Four Parts

More information

2018 Evidence of Coverage

2018 Evidence of Coverage 2018 Evidence of Coverage BlueCross Total SM Midlands/Coastal (PPO) Jan. 1, 2018 Dec. 31, 2018 855-204-2744 TTY 711 Seven Days a Week, 8 a.m. to 8 p.m. (Oct. 1, 2017, to Feb. 14, 2018) Monday-Friday, 8

More information

Annual Notice of Changes for 2019

Annual Notice of Changes for 2019 Eon Deluxe (HMO SNP) offered by Eon Health, Inc. Annual Notice of Changes for 2019 You are currently enrolled as a member of Eon Deluxe. Next year, there will be some changes to the plan s costs and benefits.

More information

Get started with the basics of Medicare

Get started with the basics of Medicare Get started with the basics of Medicare innovationhealthmedicare.com 71.02.315.1 (3/18) You have a lot of choices for Medicare coverage. And you probably have a lot of questions, too. A C B D So let s

More information

MEDICARE 101 PRESENTED BY WESTERN MARKETING

MEDICARE 101 PRESENTED BY WESTERN MARKETING MEDICARE 101 PRESENTED BY WESTERN MARKETING WHAT IS MEDICARE? A health insurance program for: People 65 years of age and older People under age 65 with certain disabilities People with End-State Renal

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Regence MedAdvantage + Rx Enhanced (PPO) This booklet gives you

More information

Welcome. to Medicare. An educational Medicare guide compliments of the Medicare Welcome Team. Y0041_H3156_AH_15_28071 Accepted (1/7/2015)

Welcome. to Medicare. An educational Medicare guide compliments of the Medicare Welcome Team. Y0041_H3156_AH_15_28071 Accepted (1/7/2015) Welcome to Medicare An educational Medicare guide compliments of the Medicare Welcome Team Y0041_3156_A_15_28071 Accepted (1/7/2015) qualifies? WO You are almost ready to enroll in Medicare, and we would

More information

Evidence of Coverage:

Evidence of Coverage: 2018 Evidence of Coverage for MetroPlus Platinum Plan (HMO) 1 Table of Contents January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage

More information

2018 Medicare Program Overview

2018 Medicare Program Overview 2018 Medicare Program Overview State College of Florida Florida College System Risk Management Consortium #78800 Retirees Eligible for Medicare Florida Blue is an Independent Licensee of the Blue Cross

More information

Evidence of Coverage:

Evidence of Coverage: January 1 - December 31, 2017 Evidence of Coverage: Your Medicare Health Benefits and Services as a Member of PacificSource Medicare Explorer 8 (PPO). This booklet gives you the details about your Medicare

More information

Research Foundation (RF) Retiree Health Insurance Plan. Post-65 Medicare-Eligible Retiree Transition Guide

Research Foundation (RF) Retiree Health Insurance Plan. Post-65 Medicare-Eligible Retiree Transition Guide Research Foundation (RF) Retiree Health Insurance Plan Post-65 Medicare-Eligible Retiree Transition Guide A NEW WAY TO SUPPLEMENT MEDICARE COVERAGE Eligibility for the Aon Retiree Health Exchange You will

More information

Stride (HMO) Medicare Advantage Plan

Stride (HMO) Medicare Advantage Plan Maine 2018 Stride (HMO) Medicare Advantage Plan SM In Step With Your Health Care Coverage Needs Y0098_18012 Approved Welcome Letter...3 Introduction to Medicare Basics...4 Stride SM (HMO) Plan overview...5

More information

Evidence of Coverage. Stanford Health Care Advantage - Platinum (HMO) January 1 - December 31, 2016

Evidence of Coverage. Stanford Health Care Advantage - Platinum (HMO) January 1 - December 31, 2016 Evidence of Coverage Stanford Health Care Advantage - Platinum (HMO) January 1 - December 31, 2016 January 1 December 31, 2016 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription

More information

Evidence of Coverage. Simply Complete (HMO SNP) Offered by Simply Healthcare Plans , TTY 711

Evidence of Coverage. Simply Complete (HMO SNP) Offered by Simply Healthcare Plans , TTY 711 Evidence of Coverage Simply Complete (HMO SNP) Offered by Simply Healthcare Plans This booklet gives you the details about your Medicare health care and prescription drug coverage from January 1 December

More information

2019 Pre-Medicare Retiree Healthcare Open Enrollment

2019 Pre-Medicare Retiree Healthcare Open Enrollment 2019 Pre-Medicare Retiree Healthcare Open Enrollment CHANGES ONLY ENROLLMENT Submit Enrollment Changes Before November 21 You MUST complete and submit the enclosed enrollment form by November 21 if you

More information

UPMC RETIREMENT BENEFITS YOUR RETIREMENT GUIDE. A Step-by-Step Checklist

UPMC RETIREMENT BENEFITS YOUR RETIREMENT GUIDE. A Step-by-Step Checklist UPMC RETIREMENT BENEFITS YOUR RETIREMENT GUIDE A Step-by-Step Checklist YOU RE RETIRING SOON CONGRATULATIONS! RETIRING IS A BIG STEP You ll be asked to make many important decisions about your UPMC benefits

More information

IMPORTANT NOTICE: Your Medicare plan won t be offered in 2015.

IMPORTANT NOTICE: Your Medicare plan won t be offered in 2015. IMPORTANT NOTICE: Your Medicare plan won t be offered in 2015. September 24, 2014 Keep this letter. It s proof that you have a special right to buy a Medigap policy or join a Medicare plan. AlohaCare Advantage

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS Pfizer Medicare-Eligible Prescription Drug Coverage FAQs 2016 Annual Enrollment Period October 2015 FREQUENTLY ASKED QUESTIONS These FAQs provide information about the Jan. 1, 2016 move to SilverScript

More information

Health Maintenance Organization (HMO)

Health Maintenance Organization (HMO) Health Maintenance Organization (HMO) Blue Shield 65 Plus (HMO) Evidence of Coverage Effective January 1, 2014 Blue Shield of California is an HMO plan with a Medicare contract. Enrollment in Blue Shield

More information

Anthem MediBlue (HMO) Individual Enrollment Request Form 2016

Anthem MediBlue (HMO) Individual Enrollment Request Form 2016 Anthem MediBlue (HMO) Individual Enrollment Request Form 2016 Be sure to complete the entire enrollment form. Then, mail the completed form to P.O. Box 659404, San Antonio, TX 78265-9863 or fax the completed

More information

BCBSHP MediBlue (HMO) Individual Enrollment Request Form 2017

BCBSHP MediBlue (HMO) Individual Enrollment Request Form 2017 BCBSHP MediBlue (HMO) Individual Enrollment Request Form 2017 Be sure to complete the entire enrollment form. Then, mail the completed form to P.O. Box 659404 San Antonio TX, 78265-9863 or fax the completed

More information

Medicare 101. Understanding your Medicare options. Brought to you by Wemasol

Medicare 101. Understanding your Medicare options. Brought to you by Wemasol Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Medicare 101 Understanding your Medicare options Brought to you by Wemasol 1. Medicare Parts A - D Medicare

More information

Stride SM (HMO) Medicare Advantage Plan

Stride SM (HMO) Medicare Advantage Plan Massachusetts 2017 Stride SM (HMO) Medicare Advantage Plan In Step With Your Health Care Coverage Needs Y0098_17001 Accepted Welcome Letter...3 Introduction to Medicare Basics...4 Stride SM (HMO) Plan

More information

Welcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES

Welcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES Welcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES Your Personalized Medicare Manager Is Waiting for You Online. Go to My.Medicare.gov and get the personalized information you need to make better

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2017 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Health Net Jade (HMO SNP) This booklet gives you the details about

More information

Evidence of Coverage:

Evidence of Coverage: Keystone 65 HMO January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Keystone 65 Rx HMO This booklet gives you the

More information

Retiree Exchange Frequently Asked Questions (FAQ)

Retiree Exchange Frequently Asked Questions (FAQ) Retiree Exchange Frequently Asked Questions (FAQ) Question Aon Hewitt 1. Why is CenturyLink changing the way supplemental retiree health insurance is delivered? 2. Do I have to enroll in a policy through

More information

Evidence of Coverage

Evidence of Coverage January 1 December 31, 2018 Evidence of Coverage Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Kaiser Permanente Medicare Advantage (HMO) This booklet gives you

More information

Medical and prescription drug options

Medical and prescription drug options Post-65 Retiree Medical coverage Your OneExchange benefit advisor will help you understand all of your options for selecting an individual supplement plan from the marketplace. While you will have a choice

More information

Medicare Open Enrollment Community Meeting

Medicare Open Enrollment Community Meeting Medicare Open Enrollment Community Meeting Presentation by: Champaign County Health Care Consumers (CCHCC) Welcome! Medicare Basics By Jen Tayabji What is Medicare? Medicare is a federal health insurance

More information

Evidence of Coverage. Amerivantage Select (HMO) Offered by Amerigroup , TTY 711

Evidence of Coverage. Amerivantage Select (HMO) Offered by Amerigroup , TTY 711 Evidence of Coverage Amerivantage Select (HMO) Offered by Amerigroup This booklet gives you the details about your Medicare health care and prescription drug coverage from January 1 December 31, 2018.

More information

EVIDENCE OF COVERAGE JANUARY 1 - DECEMBER 31, 2018

EVIDENCE OF COVERAGE JANUARY 1 - DECEMBER 31, 2018 EVIDENCE OF COVERAGE JANUARY 1 - DECEMBER 31, 2018 H8854_18_1127_001_OE1 CMS Accepted: 08/28/2017 Form CMS 10260-ANOC-EOC (Approved 05/2017) OMB Approval 0938-1051 (Expires May 31, 2020) January 1 December

More information

2018 Enrollment Guide

2018 Enrollment Guide 2018 Enrollment Guide Enroll in Additional Medicare Coverage for 2018 OneExchange is now Via Benefits! Please make a note of our new name and logo as you will be receiving information from Via Benefits

More information

Provider Partners Pennsylvania Advantage (HMO SNP) offered by Provider Partners Health Plan, Inc.

Provider Partners Pennsylvania Advantage (HMO SNP) offered by Provider Partners Health Plan, Inc. Provider Partners Pennsylvania Advantage (HMO SNP) offered by Provider Partners Health Plan, Inc. Annual Notice of Changes for 2019 You are currently enrolled as a member of Provider Partners Pennsylvania

More information

!!! Medicare!Age+in!Outreach!Program!! Members!of!BCBST!! Commercial!Groups!!!!!!! !!!

!!! Medicare!Age+in!Outreach!Program!! Members!of!BCBST!! Commercial!Groups!!!!!!! !!! MedicareAge+inOutreachProgram MembersofBCBST CommercialGroups Outreachmaterialsat64 DearMember: WevalueyourmembershipinBlueCrossBlueShieldofTennessee.Overtheyears, youhavetrustedusforqualityhealthcoverage.andasyouturn65,youcan

More information

Evidence of Coverage

Evidence of Coverage PEOPLES HEALTH January 1 December 31, 2018 Evidence of Coverage Peoples Health Choices Gold (HMO) 2018 Evidence of Coverage Your Medicare Health Benefits and Services and Prescription Drug Coverage as

More information

Evidence of Coverage

Evidence of Coverage January 1 December 31, 2018 Evidence of Coverage Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Kaiser Permanente Senior Advantage Medicare Medicaid (HMO SNP)

More information