Presentation on theme: "Choosing the Medicare Plan Thats Right for You H4531_S5715_MRK_TMP_SNSPPO08 CMS APPROVED 11/2007."— Presentation transcript:
Choosing the Medicare Plan Thats Right for You H4531_S5715_MRK_TMP_SNSPPO08 CMS APPROVED 11/2007
2 Today youll get information on… When to enroll in a Medicare-approved Prescription drug plan or Medicare Advantage Plan Who is eligible to enroll Blue MedicareRx Plan Options Blue Medicare PPO Determining which plan is right for you How to enroll
3 When is it Time to Enroll? Annual Enrollment Period –November 15th to December 31 st of each year –Coverage will be effective January 1 st Initial Enrollment Period –Turning age 65 You can enroll up to 3 months prior to the month of your 65th birthday, the month of your birthday, and up to 3 months after the month of your 65th birthday. –Disability
4 When is it Time to Enroll? Special Enrollment Period –Some examples A move outside the plans approved program service area. Enter or leave a skilled nursing facility (like a nursing home). Open Enrollment Period (Medicare Advantage plans only) –January 1 st through March 31 st of each year. –Only beneficiaries who are eligible to enroll in a Medicare Advantage or Medicare Advantage Prescription Drug plan may make a change during the Open Enrollment Period (OEP). –Those who already have drug coverage can only change to another option with drug coverage. Those who do not have drug coverage may not change to an option that provides drug coverage.
5 When is it Time to Enroll? Open Enrollment Period (Medicare Advantage plans only) contd –An individual who is enrolled in an MAPD plan may elect either another MAPD plan or standalone PDP plan. An individual who is enrolled in a standalone PDP plan can only enroll in an MAPD plan. Either action will generate an automatic disenrollment from whatever plan the individual currently is in. –An individual who is enrolled in an MA plan and who does not have Part D coverage may only elect another MA plan that does not include Part D coverage, or may elect Original Medicare, or may disenroll from the MA plan.
6 Why is it so important to enroll now? This page will be intentionally left blank because depending on the time of year the presentation is given, the reasons will vary.
7 Who is eligible to enroll? Must have Medicare Part B in order to join an MAPD plan. Individuals enrolled in an MAPD plan like Blue Medicare PPO, must continue to pay their Medicare Part B premium if not otherwise paid for under Medicaid or by another third party. If you are enrolled in a Medicare Advantage (MA) Plan, you may not enroll in any Medicare-approved prescription drug plan unless you have a Private Fee-for-Service (PFFS) MA Plan that does not provide Medicare prescription drug coverage, a Medical Savings Account (MSA) or an 1876 Cost Plan.
9 TYPE OF PRESCRIPTION DRUG PLANDESCRIPTION PDP (Prescription Drug Plan) A plan that covers prescription drugs. MAPD (Medicare Advantage Prescription Drug) A plan that offers both Medicare Advantage medical coverage and the Part D outpatient prescription drug benefit. Employers/Unions Can provide coverage to either active or retired employees. Employers who previously provided drug coverage will have multiple options to continue providing drug coverage for beneficiaries including: Contracting with a PDP to provide a Part D benefit Dropping current drug coverage, advising employees (beneficiaries) to sign up for a PDP, and possibly providing another new coverage option that supplements that Part D benefit Paying for part or all of Medicare PDP premiums Continuing to provide drug coverage to retirees in lieu of Part D coverage, which also must be at least actuarially equivalent in order for the employer to receive a tax-free federal subsidy There are three plan types available for those who want to enroll in Part D prescription drug coverage
10 Medicare AdvantagePart C (Blue Medicare PPO) Overview
11 Medicare Advantage Options Medicare Advantage (Part C) Name replacement for Medicare+Choice program Beneficiary choices include private health plan options, varying by geographic location HMO PPO Private fee-for-service plans Prescription drug benefits (equivalent to Part D) are included in MAPD plans Medicare Prescription Drug Benefits are only available to members of the MAPD plan If a beneficiary is already enrolled in an MAPD plan, the enrollee must receive their Medicare Prescription Drug Benefit through that plan.
12 Medicare Advantage – PPO Plans Medicare Advantage PPOs –PPOs will cover allowable costs of care if doctors and hospitals outside of the network are used –PPOs generally do not require a primary care physician to authorize specialist visits
13 Medicare Advantage Required Services RequirementIncludes Physician ServicesProvide consultation and referral by a licensed physician Inpatient Hospital Services (as needed) Medical/surgical care and supplies, intensive care, nursing services, drugs and medication, rehabilitation therapies, detoxification Home Health ServicesDurable Medical Equipment and IV therapy services Outpatient ServicesDiagnostic procedures such as X-ray, ambulatory care, short-term rehabilitation services and physical therapy Medically Necessary Emergency Treatment for both in-area and out-of-area services Substance AbuseTreatment/Referral services and medical treatment Preventive Health ServicesPeriodic health evaluations, ear and eye exams, and adult immunizations
14 PPO Option: Value Please note: Coverage exists, and copay applies, only to Medicare covered items/services unless otherwise specified
15 Blue Medicare PPO Value continued In Network Out of Network Please note: Coverage exists, and copay applies, only to Medicare covered items/services unless otherwise specified
16 PPO Option: Advantage Please note: Coverage exists, and copay applies, only to Medicare covered items/services unless otherwise specified
17 Blue Medicare PPO Advantage continued In Network Out of Network Please note: Coverage exists, and copay applies, only to Medicare covered items/services unless otherwise specified
18 PPO Option: Premier Please note: Coverage exists, and copay applies, only to Medicare covered items/services unless otherwise specified
19 Blue Medicare PPO Premier continued In Network Out of Network Please note: Coverage exists, and copay applies, only to Medicare covered items/services unless otherwise specified
21 How Do I Enroll? We offer two convenient ways to enroll Complete the enrollment form. You can also enroll on our secure Web site, www.bcbstx.com Just click on Medicare Products and then Blue Medicare PPO.
22 Medicare Part D Prescription Drug Plan (Blue MedicareRx) Overview
23 Are you eligible for Blue MedicareRx? Entitled to Part A and/or enrolled in Part B Reside permanently in the plans service area Not enrolled in any other Medicare Prescription Drug Plan at the same time as Blue MedicareRx –If you are enrolled in a Medicare Advantage (MA) Plan, you may not enroll in any Medicare-approved prescription drug plan unless you have a Private Fee-for-Service (PFFS) MA Plan that does not provide Medicare prescription drug coverage, a Medical Savings Account (MSA) or an 1876 Cost Plan.
24 Blue MedicareRx Plans We offer 3 plans to choose from Standard Value Plus Each plan offers you affordability, savings and flexibility Individuals enrolled in Blue MedicareRx must continue to pay their Medicare Part B premium if not otherwise paid for under Medicaid or by another third party
25 Which plan is right for you? Things to consider… How much does it cost? Are my drugs covered? What pharmacy can I use?
26 How much does it cost? What do my drug costs include? Premium Deductible, if applicable Copayment/Coinsurance Costs incurred during the coverage gap if applicable Medicare Part B premium must continue to be paid if not otherwise paid for under Medicaid or by another third party
27 Are my drugs covered? Formulary –A listing of medications covered by the plan –Blue MedicareRx covers more than 2,600 formulary drugs –Visit www.bcbstx.com for a complete listing Which tier are my drugs under? Generic Preferred Brand Brand Specialty
28 What pharmacy can I use? Members must use network pharmacies or the Blue MedicareRx mail-order program to receive benefits, except under emergency circumstances.
29 What pharmacy can I use? (continued) We offer one of the largest retail networks in the country with over 56,500* network pharmacies Retail drug store chains and their affiliates CVS, H-E-B, Walgreens Long-term care Home infusion Most independent pharmacies There are approximately 3,900 network pharmacies* in Texas
30 Preferred network pharmacies^ –Pay just two and a half months of copayments instead of three when you fill a 90-day supply of eligible prescriptions. –There are approximately 1,750 preferred network pharmacies in Texas –Albertsons, CVS, Kmart, Kroger, Randalls, Sams Club, Sav-On, Target, Tom Thumb, United Supermarket Pharmacies, Walgreens and Wal-Mart or their affiliates What pharmacy can I use ? (continued)
31 For a complete list of our retail, network and preferred network pharmacies –Call 1-888-579-9373, 7 days a week, 8 a.m.-8 p.m., Local Time. For the hearing or speech impaired, please call 1-888-579-9375. –Or visit www.bcbstx.com Mail order option –You can also save on copayments with our convenient mail-order program administered by Walgreens. What pharmacy can I use? (continued)
32 How Do I Enroll? We offer three convenient ways to enroll 1.Complete the enrollment form. 2.Via the phone. 1-888-579-9373, 7 days a week, 8 a.m.-8 p.m., Local Time. For the hearing or speech impaired, please call 1-888-579-9375. 3.You can also enroll on our secure Web site, www.bcbstx.com. Just click on Medicare Products and then Blue MedicareRx Plans.
33 When choosing a plan… Compare the Savings –$0 deductible options –Copayments as low as $5 for generics –A plan option with benefits during the gap Compare the pharmacy network –Savings on copayments at preferred network pharmacies –Savings through mail-order –One of the areas largest pharmacy networks
34 When choosing a plan… (continued) Review the formulary –Blue MedicareRx has a comprehensive formulary –We cover more than 2,600 formulary drugs
35 How do you apply for extra help? You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for extra help, call: –1-800-MEDICARE (1-800-633-4227), 24 hours a day/ 7 days a week. For the hearing or speech impaired, please call 1-877-486-2048. –Social Security Administration at 1-800-722-1213 between 7 a.m. and 7 p.m., Monday – Friday. For the hearing or speech impaired, please call 1-800-325-0778. –State Medicaid Office
36 Resources Blue Medicare PPO –Call 1-866-308-4781, 7 days a week, 8 a.m.-8 p.m., Local Time –For the hearing or speech impaired, please call 1-800-538-0380 –Visit www.bcbstx.com Medicare –Call 1-800-MEDICARE (1-800-633-4227) 24 hours a day –TTY/TDD Users: 1-877-486-2048, 24 hours a day –Visit www.medicare.gov
38 Additional Information Deductibles, coinsurance and limitations apply to out-of-network benefits. Your responsibility may be greater since the coinsurance is based on the Medicare-allowed amount. * Per a GEO Access analysis conducted by Prime Therapeutics on 7/3/2007. ^ At a preferred network pharmacy, you may purchase a 90-day supply of eligible generic or brand prescription drugs and pay only two and a half months of copayments. The list provided is current as of 6/20/06 and does not guarantee that a pharmacy is still in the network. Network pharmacies that are not preferred pharmacies do not offer lower copaymets for a 90-day supply. SM Service Marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans ® Registered Service Marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans Blue Cross and Blue Shield of New Mexico refers to HCSC Insurance Services Company, which is a wholly owned subsidiary of Health Care Service Corporation, a Mutual Legal Reserve Company. These companies are independent licensees of the Blue Cross and Blue Shield Association and offer or provide services for Medicare Advantage and Medicare Part D products under contracts H3208 and S5715 with the Centers for Medicare and Medicaid Services.