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Questions & Answers (FAQ)
The categories of Frequently Asked Questions (FAQs) can be found to the right. Simply click on one of the questions below or a category to the right.
Medicare Part D - 1 General | [ All In Category ] | | • How can I get financial "extra help" with my medication or Medicare Part D prescription drug costs? | | • Is anybody doing something about coverage for Niaspan? | | • What happens after the $3600 out of pocket has been met? | | • What is Gap Coverage according to the Medicare Part D Plans? | | • What is Cost Sharing in Medicare Part D? | | • What is a Formulary in the Medicare Part D Plans? | | • What is an Employer or Union Retiree Plan as defined in Medicare Part D? | | • What are Tiers in Medicare Part D? | | • Do people who sell Medicare drug plans have to be licensed insurance agents? | | • What is a Qualified Medicare Beneficiary (QMB) in Medicare Part D? |
Medicare Part D - 2 Before Enrolling | [ All In Category ] | | • I am trying to select a new Medicare Part D Plan and I need help! How do you choose a Medicare Part D plan? | • I have chosen a plan, but I am waiting on info package. However, I need to find out what medications are on Tier One or Two would match one I'm on in Tier three. My doctor is willing to work with me, but neither of us know where to look.
| | • It is my understanding that I need to give you the names of the drugs my husband and I take to find out if you would provide us with the insurance we need. Is this so, or do I need to wait until I receive your application and return that and wait to see if we are approved. | • What will my drugs cost in the donut hole? Negotiated price of insurer or retail price? How can I find out my cost of drugs in the donut hole?
| • Do most of the major providers have plans for individuals that also are low income and have a secondary medical plan of medicaid?
| | • I AM ON DISB, AND SSI SO WHY IS IT THAT IT IS ALL DIFF NOW TELL ME HOW I CAN GET ALL THE SAME STUFF I HAD BEFORE AND NOT ALL THIS RUNNING AROUND SHIT | | • I plan to enroll in a Part D program sometime in May to avoid the higher premium. My question is will there be any additional cost if I just add the Plan D to my existing plan | | • I have a friend that applied for extra help and recieved her letter that she qualified. She also appied for a Unicare premier part D plan. Now the pharmacy says she has to pay $10 and $30 copay. Unicare is telling her that because she qualifies for extra help that she has to apply for a value plan. Is this true? What should she do now? | | • Where can I download a copy of the Humana Formulary | | • Where can I get additional help with choosing a Medicare Part D plan? |
Medicare Part D - 3 Enrollment | [ All In Category ] | | • How do I enroll in a Medicare Part D plan? | | • How do I contact WellCare about my Medicare Part D enrollment? | | • I enrolled and have not heard anything - how long will this take? | | • Do you offer Medicare Part D plans in California? | | • Do you offer Medicare Part D plans for West Virginia? | | • Do you offer Medicare Part D plans for Washington, DC? | | • I live in Alabama, do you offer 2007 Medicare Part D plans for me? | | • Do you offer Medicare Part D plans for South Dakota? | | • Do you offer Medicare Part D plans in Colorado? | | • Do you offer Medicare Part D plans for New Mexico? |
Medicare Part D - 4 After Enrolling and Living with your Part D Plan | [ All In Category ] | | • How do I find out if my Humana Medicare Part D plan is active? | | • I need the Humana form to order prescriptions by mail. | | • Where do I get a list of the number of pills I can get at one time under the Humana plans | | • How do I contact Humana about my Medicare Part D plan? | | • How can I check to see if my Aetna plan is active? | | • Please advise what pharmacies Humana honors. | | • I was entered into the wrong plan! I was about to use my Humana card and was told that it has the wrong code for my County. My number is CMS S5884 016. My wife's Plan number is the same except hers ends with 010. | | • How can the Pharmacy see if my Humana plan is active? | | • A recorded msg said plan d payment book would be here mid-jan but nothing has arrived. what is monthly/annual payment? where do i send it? help pls. | | • I am a new blue medicare Rx Value menber under your new plan for prescription drug plan. how much do i have to pay out of my pocket & were do i go fo my prescription to be fill. |
Medicare Part D - 5 Changing-Enrollment or Switching Medicare Part D Plans | [ All In Category ] | | • How can I change the plan I have selected? What is the procedure??? | | • How do I cancell (dis-enroll) from my plan? | | • I have signed up and been accepted in a plan. Since then I have found another plan that is a lot cheaper can I drop the plan I have have signed up with? | | • i disenrolled from my Humana Medicare Part D Olan in error by phone a couple days ago and i wish to stay enrolled in my plan. | | • How do I know if I have enrolled in the most cost-effective plan? | | • I moved to a different state (in another Part D Region) where my original plan offers no coverage (it was a local plan in my former state). I am now forced to change Part D plans - how do I avoid a premium penalty increase with the new plan? | | • I wish to disenroll from my Medicare Part D coverage. What should I do? | | • How soon will I get a refund of any premiums that are withheld for my current plan after I enroll in a new plan? Who will the refund come from? | | • What happens if I change plans and request automatic premium deductions from my Social Security benefits for my new plan, but the premium deduction from my previous plan doesn't stop? | | • When and how often can I switch my Medicare drug plan? |
Medicaid & Extra Help | [ All In Category ] | | • My son is on Medicaid. He was assigned a Medicare Part D plan and his plan in Georgia does not cover one of his medications. What do we do? | • I am having trouble getting the extra help that I qualify for at Wal-Mart, and I need to pick up 2 prescriptions that are ready that I cannot afford without the extra help.There is a problem on your end per Medicare & Social Security. Please contact me ASAP so I will know what to do.
| | • Where do I find more information on Tri-Care - for instance, where can I download the Tri-Care Forms? | | • I am not suppose to have a deductable. I cannot pay for my medicine. I get State Aid. Help!!! | | • I should be getting "extra help" and am not. What do I do? | • My parents used have medicaid to cover their drugs. They got a letter in 2005 from the insurance company that said they will automatically transfer my parents to a new medicare D plan. My parents waited untill 2006 but have not received any information about their new plan. I called the company today. They said they can not offer the medicare D to them because my parents only have Medicare B plan. Can you kindly tell me how my parents can do now?
| | • I work in the Senior Community Service Employment Program (SCSEP, Title V of the Older Americans Act). Will Medicare count this as income when determining if I qualify for extra help paying for Medicare prescription drug coverage? | | • If I qualify for extra help, will my drug plan premium always be $0? | | • If I am not certain whether or not I qualify, should I apply for extra help? | | • What does the term “extra help” mean when you are talking about Medicare prescription drug coverage? |
Other Common Questions | [ All In Category ] | | • Who are you? | • I noticed on your Medicare emails that you are "speciality insurance brokers". Can you or do you know of any life insurer that would issue a $10,000 to $20,000 or so life insurance policy on my husband? He is 70 years old, has no life insurance and is in treatment for prostate cancer.
| | • How much does it cost me to use you as my agent or purchase through your firm? | | • How soon will I get a refund of any premiums that are withheld for my current plan after I enroll in a new plan? Who will the refund come from? | | • What happens if I change plans and request automatic premium deductions from my Social Security benefits for my new plan, but the premium deduction from my previous plan doesn't stop? | | • I work in the Senior Community Service Employment Program (SCSEP, Title V of the Older Americans Act). Will Medicare count this as income when determining if I qualify for extra help paying for Medicare prescription drug coverage? | | • When and how often can I switch my Medicare drug plan? | | • Do people who sell Medicare drug plans have to be licensed insurance agents? | | • If I qualify for extra help, will my drug plan premium always be $0? | | • What if I have a prescription for a drug that isn’t on my plan’s list of covered drugs (formulary)? |
Medicare Advantage Plans | [ All In Category ] | • Can an insurance company drop you from their Medicare Advantage Plan or can you continue on it indefinitely?
I heard that a Medicare Advantage plan is renewable yearly and a company can decide not to handle the Medicare Advantage Plan or drop a customer if they so desire. Is that correct? | | • What is the difference between a Medicare Part D Prescription Drug Plan and a Medicare Advantage Plan? |
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