Medicare prescription drug plans (Part D)

Transcription

1 Medicare prescription drug plans (Part D)

2 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 Part D through a private insurance company You must enroll in a Part D plan. Coverage is not automatic If you do not sign up for a Part D plan when you become eligible, you may have to pay a late-enrollment penalty You do need to continue to pay your Part B premium 2

3 Prescription drug coverage stages $4,750 $2,930 In the coverage gap you pay only a percentage of the drug cost. However, 100% of the drug cost is applied toward your out-of-pocket costs. 3

4 UnitedHealthcare prescription drug plans Our plans are available in all 50 states and provide coverage for thousands of brand name and generic drugs. They offer: Mail order service that s convenient and may save you money More than 65,000 network pharmacies nationwide $0 deductible 4

5 Two plans to fit your needs 5 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

6 Medicare Advantage plans (Part C)

7 Medicare Advantage plans (Part C) All the benefits of Part A * Hospital stays Skilled nursing Home health All the benefits of Part B ** Doctor visits Screenings and shots Outpatient care Lab tests Prescription drug coverage Included in many Medicare Advantage plans, but not all Additional benefits May be bundled with the plan These are examples of the most significant items Part C will help you with. 7 *Plans do not cover hospice care. Hospice benefits for Medicare Advantage members continue to be provided through Medicare Part A. **You will need to continue to pay your Part B premium

8 A closer look at Medicare Advantage Health Maintenance Organizations (HMOs): Use a network of doctors, hospitals and other health care professionals You must get routine care from one of our many plan providers Typically do not provide coverage outside the contracted service area except for emergencies Urgent care and renal dialysis are available out of network 8

9 A closer look at Medicare Advantage Preferred Provider Organizations (PPOs): You can go out of network for any covered services, generally at a higher cost Allow you to see a specialist without a referral 9

10 Step 2: Consider your choices

11 Choosing a plan that s right for you How frequently do you access care? Do you take prescription medications regularly? Are you comfortable with using a network provider? Do you prefer complete freedom in selecting the doctors you see? Do you travel frequently and/or internationally? What is more important, lower monthly premiums or predictable out-of-pocket costs? Give us a call we can assist you every step of the way. Convenient hours of operation: 8 a.m. 8 p.m. local time, 7 days a week Toll-free dedicated line: , TTY

12 Step 3: Enroll in a plan

13 Help is just a phone call away Convenient hours of operation: 8 a.m. 8 p.m. local time, 7 days a week Toll-free dedicated line: , TTY 711 Helpful hints before you enroll: Have your Medicare ID card on hand Think about how much you want to spend on your new plan(s) Have your doctors names and addresses ready, and a list of your prescription drugs Know the date you need to make a decision 13

14 Enroll in a plan Three easy ways to enroll in a plan: 1. If you would like to complete your enrollment today, we will assist you. 2. Give us a call when you are ready. 3. Mail in a completed application. Once your enrollment is processed, you will receive a Welcome Kit with additional plan details. Your ID card will arrive separately. We must receive your completed forms no later than November 4, 2012 for your coverage to begin on January 1,

15 In closing We've talked about how Medicare works and the types of plans available. We hope you will leave today feeling that you: Learned about your options Considered your choices Understand how to enroll Remember, November 4, 2012 is your enrollment deadline January 1, 2013 is when your new health coverage begins 15

16 Resources

17 Resources Call UnitedHealthcare we re here to help. Call us on the dedicated Brevard Public Schools toll-free number: , TTY a.m. 8 p.m. local time, 7 days a week 17

18 18 Questions?

19 UnitedHealthcare looks forward to welcoming you as a member. Thank you. 19

20 Disclaimers The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. The family of UnitedHealthcare Medicare Solutions plans include Part D Prescription Drug Plans, Medicare Supplement Insurance Plans and Medicare Advantage Plans featuring the UnitedHealthcare, AARP, SecureHorizons, Evercare or AmeriChoice brand names. Plans are insured or covered by UnitedHealthcare Insurance Company or one of its affiliates, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. UnitedHealthcare Medicare Advantage plans are insured through UnitedHealthcare Insurance Company and its affiliated companies, a Medicare Advantage organization with a Medicare contract. Members may enroll in the plan only during specific times of the year. Contact UnitedHealthcare for more information. You must have both Medicare Parts A and B to enroll in the plan. HMO members must use plan providers except in emergency or urgent care situations or for out-of-area renal dialysis. If you obtain routine care from out-of-network providers neither Medicare nor UnitedHealthcare Medicare Advantage plans will be responsible for the costs. For PPO and HMO-POS members, with the exception of emergency or out-of-area renal dialysis, it may cost more to get care from out-of-network providers. <OVEX11PO _000> Y0066_110808_ CMS Approved

21 Disclaimers The AARP MedicareComplete plans are insured through UnitedHealthcare Insurance Company and its affiliated companies, a Medicare Advantage organization with a Medicare contract. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. You do not need to be an AARP member to enroll. AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals. Members may enroll in the plan only during specific times of the year. Contact UnitedHealthcare for more information. You must have both Medicare Parts A and B to enroll in the plan. Your ability to enroll in a special needs plan is not limited to certain times of the year. 21