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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 ] | | • What are the United States territories that are also covered by Medicare Part D prescription drug plans? What Medicare Part D plans will offer coverage in these area during 2009? | | • Where can I get a Medical Power of Attorney form? | | • What is Public Law No: 110-275 - Medicare Improvements for Patients and Providers Act of 2008 or MIPPA? | | • What are the CMS Medicare Part D prescription drug plan regions? | | • How many companies will be offering a Medicare Part D prescription drug plan in 2008? | | • Do people who sell Medicare drug plans have to be licensed insurance agents? | | • Will the drugs covered by Medicare drug plans meet the needs of both seniors and people with disabilities? | | • What is Medicare Prescription Drug Coverage? | | • Is Medicare and Humana the same thing? Do they both have the same benefits? Does Humana pay more for medication that maybe Medicare? Please explain. | | • What are Tiers in Medicare Part D? |
Medicare Part D - 2 Before Enrolling | [ All In Category ] | | • Does prescription drug coverage under a Medigap (or Medicare Supplement) plan H, I or J qualify as “creditable coverage” for purposes of avoiding the Medicare Part D late enrollment premium penalty? | | • Where can I get a Medical Power of Attorney form? | | • What do I need to know if I have drug coverage from TRICARE, the Department of Veteran's Affairs (VA), or the Federal Employee Health Benefits Program (FEHB)? | | • Will my drugs be covered? | | • Should I join a Medicare drug plan even if I don't take many prescription drugs? | | • What are the out-of-pocket costs for Medicare prescription drug coverage? | | • Do I have to join a Medicare drug plan? | | • Can I use my regional drug plan all over the country? | | • Is there someone to help me choose a Medicare prescription drug plan? | | • What other information should I (or can I) consider when choosing a Medicare Part D plan? |
Medicare Part D - 3 Enrollment | [ All In Category ] | | • I am a recent State of Georgia retiree. I had United HealthCare medical coverage and need to select a Part D plan. I would like to stay with United HealthCare. What are my options? | | • Where can I get a Medical Power of Attorney form? | | • What should I do if I have drug coverage through an employer or union and will also get the extra help with my drug costs? | | • How will my Federal Employee Health Benefits (FEHB) work with my Medicare prescription drug coverage? | | • How will my TRICARE coverage work with my Medicare prescription drug plan? | | • What do I need to know if I have the Original Medicare Plan (Medicare Part A and Part B) and I don't have prescription drug coverage? | | • When can I join a Medicare drug plan? | | • If I have a disability and receive Medicare benefits before reaching 65, can I also sign up for a Medicare Part D prescription drug plan at the same time? What if I decide NOT to join a Part D plan, do I pay a penalty if I decide to join a Part D plan later? | | • Do you offer Medicare Part D plans for West Virginia? | | • Do you offer Medicare Part D plans for Washington, DC? |
Medicare Part D - 4 After Enrolling and Living with your Part D Plan | [ All In Category ] | | • What is the BIN, PCN, and GROUP for my WellCare Medicare Part D plan? | | • What exactly is TrOOP or True Out of Pocket costs? | | • What are "Straddle Claims"? | | • Will I be able to use my drug store drug discount card (not a Medicare-approved drug discount card) with a Medicare drug plan? | | • Does Medicare Part D pay for the shingles vaccine? | | • I wish to disenroll from my Medicare Part D coverage. What should I do? | | • What if I have a prescription for a drug that isn't on my plan's list of covered drugs (formulary)? | | • Can my doctor ask for an exception on my behalf? | | • What is an Appeal? | | • The pharmacy couldn't fill my prescription. What should I do? |
Medicare Part D - 5 Changing-Enrollment or Switching Medicare Part D Plans | [ All In Category ] | | • How is a person's previous prescription drug spending (or True Out of Pocket costs - TrOOP) affected if a Medicare Part D beneficiary switches Medicare Part D prescription drug plans? In other words, if you move to another Part D plan, do you start again from the beginning of the Part D plan? | | • If I am in the coverage gap and I move and have to switch part d plans, will I be in the coverage gap in the new plan or start all over? | | • I wish to disenroll from my Medicare Part D coverage. What should I do? | | • When and how often can I switch my Medicare drug plan? | | • 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? | | • What happens if I have automatic premium deduction from my Social Security benefit and I switch to a different Medicare drug plan later? Will the automatic premium deduction carry over to my new drug plan? | | • I want to know if you know yet in 2008 if there will be any [Medicare Part D] plans that pay through the doughnut hole? I could only find 1 plan this year and hope there will be some new plans in the future. | | • 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? | | • How do I know if I have enrolled in the most cost-effective plan? |
Medicaid & Extra Help | [ All In Category ] | | • How will people know if their copayment amounts will change? | | • How does this affect people who currently automatically qualify for extra help? | | • What efforts are underway affecting people who qualify for extra help paying for their Medicare prescription drug coverage? | | • What if people don't agree with Social Security's decision on "extra help"? | | • What should people do if they think there's been a mistake determining their eligibility for extra help? | | • Will everyone with extra help get a letter from Medicare or Social Security? | | • How does this affect people who applied and qualified for extra help (i.e., those that did not automatically qualify)? | | • How will people know if they no longer automatically qualify for extra help? | | • What should people do if they no longer automatically qualify for extra help in 2007? | | • How often do I need to apply for the extra help? |
Other Common Questions | [ All In Category ] | | • What are the Medicare premiums and coinsurance rates for 2008? | | • Where can I get a Medical Power of Attorney form? | | • I am asking you this question, because I do not know where or how to look up my question. I want to donate my body when I die, hoping it will help someone else. Can you please tell me a web site to go to. | | • What do I do when a Medicare beneficiary dies? | | • What if I have a prescription for a drug that isn't on my plan's list of covered drugs (formulary)? | | • Do people who sell Medicare drug plans have to be licensed insurance agents? | | • Can my doctor ask for an exception on my behalf? | | • What is an Appeal? | | • The pharmacy couldn't fill my prescription. What should I do? | | • What is an Exception? |
Medicare Advantage Plans | [ All In Category ] | | • What is the difference between a Medicare Part D Prescription Drug Plan and a Medicare Advantage Plan? | • 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? |
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Find a Part D Plan and Enroll