Chapter 1 - Getting started as a member
Chapter 1 - Getting started as a member
- Section 1.1 - You are enrolled in KelseyCare Advantage Rx+Choice, which is a Medicare HMO Point-of-Service Plan
You are covered by Medicare, and you have chosen to get your Medicare health care and your prescription drug coverage through our plan, KelseyCare Advantage Rx+Choice.
There are different types of Medicare health plans. KelseyCare Advantage Rx+Choice is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. "Point-of-Service" means you can use providers outside the plan’s network for an additional cost. (See Chapter 3, Section 2.4 for information about using the Point-of-Service option.)
Coverage under this Plan qualifies as Qualifying Health Coverage (QHC) and satisfies the Patient Protection and Affordable Care Act’s (ACA) individual shared responsibility requirement. Please visit the Internal Revenue Service (IRS) website at: https://www.irs.gov/Affordable-Care-Act/Individuals-and-Families for more information.
- Section 1.2 - What is the Evidence of Coverage booklet about?
This Evidence of Coverage booklet tells you how to get your Medicare medical care and prescription drugs covered through our plan. This booklet explains your rights and responsibilities, what is covered, and what you pay as a member of the plan.
The word "coverage" and "covered services" refers to the medical care and services and the prescription drugs available to you as a member of KelseyCare Advantage Rx+Choice
It’s important for you to learn what the plan’s rules are and what services are available to you. We encourage you to set aside some time to look through this Evidence of Coverage booklet.
If you are confused or concerned or just have a question, please contact our plan’s Member Services (phone numbers are printed on the back cover of this booklet).
- Section 1.3 - Legal information about the Evidence of Coverage
It’s part of our contract with you
This Evidence of Coverage is part of our contract with you about how KelseyCare Advantage Rx+Choice covers your care. Other parts of this contract include your enrollment form, the List of Covered Drugs (Formulary), and any notices you receive from us about changes to your coverage or conditions that affect your coverage. These notices are sometimes called "riders" or "amendments."
The contract is in effect for months in which you are enrolled in KelseyCare Advantage Rx+Choice between January 1, 2019 and December 31, 2019.
Each calendar year, Medicare allows us to make changes to the plans that we offer. This means we can change the costs and benefits of KelseyCare Advantage Rx+Choice after December 31, 2019. We can also choose to stop offering the plan, or to offer it in a different service area, after December 31, 2019.
Medicare must approve our plan each year
Medicare (the Centers for Medicare & Medicaid Services) must approve KelseyCare Advantage Rx+Choice each year. You can continue to get Medicare coverage as a member of our plan as long as we choose to continue to offer the plan and Medicare renews its approval of the plan.
- Section 2.1 - Your eligibility requirements
You are eligible for membership in our plan as long as:
- You have both Medicare Part A and Medicare Part B (Section 2.2 tells you about Medicare Part A and Medicare Part B)
- -- and -- you live in our geographic service area (Section 2.3 below describes our service area).
- -- and -- you are a United States citizen or are lawfully present in the United States
- -- and -- you do not have End-Stage Renal Disease (ESRD), with limited exceptions, such as if you develop ESRD when you are already a member of a plan that we offer, or you were a member of a different plan that was terminated.
- Section 2.2 - What are Medicare Part A and Medicare Part B?
When you first signed up for Medicare, you received information about what services are covered under Medicare Part A and Medicare Part B. Remember:
- Medicare Part A generally helps cover services provided by hospitals (for inpatient services, skilled nursing facilities, or home health agencies).
- Medicare Part B is for most other medical services (such as physician’s services and other outpatient services) and certain items (such as durable medical equipment (DME) and supplies).
- Section 2.3 - Here is the plan service area for KelseyCare Advantage Rx+Choice
Although Medicare is a Federal program, KelseyCare Advantage Rx+Choice is available only to individuals who live in our plan service area. To remain a member of our plan, you must continue to reside in the plan service area. The service area is described below.
Our service area includes these counties in Texas: Harris, Fort Bend and Montgomery. Our service area includes these parts of counties in Texas: Galveston, the following zip codes only 77510, 77511, 77517, 77518, 77539, 77546, 77563, 77565, 77568, 77573, 77590, and 77591.
If you plan to move out of the service area, please contact Member Services (phone numbers are printed on the back cover of this booklet). When you move, you will have a Special Enrollment Period that will allow you to switch to Original Medicare or enroll in a Medicare health or drug plan that is available in your new location.
It is also important that you call Social Security if you move or change your mailing address. You can find phone numbers and contact information for Social Security in Chapter 2, Section 5.
- Section 2.4 - U.S. Citizen or Lawful Presence
A member of a Medicare health plan must be a U.S. citizen or lawfully present in the United States. Medicare (the Centers for Medicare & Medicaid Services) will notify KelseyCare Advantage Rx+Choice if you are not eligible to remain a member on this basis. KelseyCare Advantage Rx+Choice must disenroll you if you do not meet this requirement.
- Section 3.1 - Your plan membership card – Use it to get all covered care and prescription drugs
While you are a member of our plan, you must use your membership card for our plan whenever you get any services covered by this plan and for prescription drugs you get at network pharmacies. You should also show the provider your Medicaid card, if applicable. Here’s a sample membership card to show you what yours will look like:
As long as you are a member of our plan, in most cases, you must not use your new red, white, and blue Medicare card to get covered medical services (with the exception of routine clinical research studies and hospice services). You may be asked to show your new Medicare card if you need hospital services. Keep your new red, white, and blue Medicare card in a safe place in case you need it later.
Here’s why this is so important: If you get covered services using your new red, white, and blue Medicare card instead of using your KelseyCare Advantage Rx+Choice membership card while you are a plan member, you may have to pay the full cost yourself.
If your plan membership card is damaged, lost, or stolen, call Member Services right away and we will send you a new card. (Phone numbers for Member Services are printed on the back cover of this booklet.)
- Section 3.2 - The Provider Directory: Your guide to all providers in the plan’s network
The Provider Directory lists our network providers.
What are "network providers"?
Network providers are the doctors and other health care professionals, medical groups, durable medical equipment suppliers, hospitals, and other health care facilities that have an agreement with us to accept our payment and any plan cost-sharing as payment in full. We have arranged for these providers to deliver covered services to members in our plan. The most recent list of providers is available on our website at www.kelseycareadvantage.com.
Why do you need to know which providers are part of our network?
It is important to know which providers are part of our network because, with limited exceptions, while you are a member of our plan you must use network providers to get your medical care and services. The only exceptions are emergencies, urgently needed services when the network is not available (generally, when you are out of the area), out-of-area dialysis services, and cases in which KelseyCare Advantage Rx+Choice authorizes use of out-of-network providers. See Chapter 3 (Using the plan’s coverage for your medical services) for more specific information about emergency, out-of-network, and out-of-area coverage.
This plan has a Point-of-Service (POS) benefit that covers certain medically necessary services you get from non-plan providers. POS benefits do not apply to emergency room visits, emergency hospital admissions, urgent care or dialysis provided while you are temporarily outside of the service area that are covered at network cost-sharing. When you use the POS benefit, you are responsible for more of the cost of care. The POS benefits for covered services have a coinsurance or copayment. A coinsurance is a percentage of the allowed payment amount, usually Medicare allowable. Your out-of-pocket costs when using your POS benefits will be higher than when you use your network benefits.
You may choose to see any willing Medicare physician for covered medical services. Some Medicare physicians may not be willing to see you or bill our plan for medical services. You can also use POS benefits to see network physicians without obtaining prior authorization. Care ordered by a physician that you are seeing under your POS benefits, even when provided at a network facility, will be covered under your POS benefits and higher coinsurance or copayments will apply. The plan will send you a statement of coinsurance when you use your POS benefits. Coinsurance and copayments you pay when using your POS benefits for covered services count toward your $10,000 out-of-network out-of-pocket maximum. For services that require prior authorization, see the Medical Benefits Chart in Chapter 4.
If you don’t have your copy of the Provider Directory, you can request a copy from Member Services (phone numbers are printed on the back cover of this booklet). You may ask Member Services for more information about our network providers, including their qualifications. You can also see the Provider Directory at www.kelseycareadvantage.com . Both Member Services and the website can give you the most up-to-date information about changes in our network providers.
- Section 3.3 - The Pharmacy Directory: Your guide to pharmacies in our network
What are "network pharmacies"?
Network pharmacies are all of the pharmacies that have agreed to fill covered prescriptions for our plan members.
Why do you need to know about network pharmacies?
You can use the Pharmacy Directory to find the network pharmacy you want to use. There are changes to our network of pharmacies for next year. An updated Pharmacy Directory is located on our website at www.kelseycareadvantage.com. You may also call Member Services for updated provider information or to ask us to mail you a Pharmacy Directory. Please review the 2019 Pharmacy Directory to see which pharmacies are in our network.
The Pharmacy Directory will also tell you which of the pharmacies in our network have preferred cost-sharing, which may be lower than the standard cost-sharing offered by other network pharmacies for some drugs.
If you don’t have the Pharmacy Directory, you can get a copy from Member Services (phone numbers are printed on the back cover of this booklet). At any time, you can call Member Services to get up-to-date information about changes in the pharmacy network. You can also find this information on our website at www.kelseycareadvantage.com.
Certain medications known as "compound medications" will only be covered if dispensed by pharmacies that have met the National Compound Credentialing Program (NCCP) criteria to dispense compound medications. This rigorous additional credentialing is only for pharmacies to dispense compound medications. All other medications (non-compounded medications) may continue to be filled at any network pharmacy. For more information about what pharmacies can dispense compound medications, please call OptumRx Customer Service toll-free at 1-866-589-5222 (TTY/TDD users should call 1-888-206-8041).
- Section 3.4 - The plan’s List of Covered Drugs (Formulary)
The plan has a List of Covered Drugs (Formulary). We call it the "Drug List" for short. It tells which Part D prescription drugs are covered under the Part D benefit included in KelseyCare Advantage Rx+Choice. The drugs on this list are selected by the plan with the help of a team of doctors and pharmacists. The list must meet requirements set by Medicare. Medicare has approved the KelseyCare Advantage Rx+Choice Drug List.
The Drug List also tells you if there are any rules that restrict coverage for your drugs.
We will provide you a copy of the Drug List. The Drug List we provide you includes information for the covered drugs that are most commonly used by our members. However, we cover additional drugs that are not included in the provided Drug List. If one of your drugs is not listed in the Drug List, you should visit our website or contact Member Services to find out if we cover it. To get the most complete and current information about which drugs are covered, you can visit the plan’s website (www.kelseycareadvantage.com) or call Member Services (phone numbers are printed on the back cover of this booklet).
- Section 3.5 - The Part D Explanation of Benefits (the "Part D EOB"): Reports with a summary of payments made for your Part D prescription drugs
When you use your Part D prescription drug benefits, we will send you a summary report to help you understand and keep track of payments for your Part D prescription drugs. This summary report is called the Part D Explanation of Benefits (or the "Part D EOB").
The Part D Explanation of Benefits tells you the total amount you, or others on your behalf, have spent on your Part D prescription drugs and the total amount we have paid for each of your Part D prescription drugs during the month. Chapter 6 (What you pay for your Part D prescription drugs) gives more information about the Part D Explanation of Benefits and how it can help you keep track of your drug coverage.
A Part D Explanation of Benefits summary is also available upon request. To get a copy, please contact Member Services (phone numbers are printed on the back cover of this booklet).
- Section 4.1 - How much is your plan premium?
As a member of our plan, you pay a monthly plan premium. For 2019, the monthly premium for KelseyCare Advantage Rx+Choice is $77. In addition, you must continue to pay your Medicare Part B premium (unless your Part B premium is paid for you by Medicaid or another third party).
In some situations, your plan premium could be less
There are programs to help people with limited resources pay for their drugs. These include "Extra Help" and State Pharmaceutical Assistance Programs. Chapter 2, Section 7 tells more about these programs. If you qualify, enrolling in the program might lower your monthly plan premium.
If you are already enrolled and getting help from one of these programs, the information about premiums in this Evidence of Coverage may not apply to you. We sent you a separate insert, called the "Evidence of Coverage Rider for People Who Get Extra Help Paying for Prescription Drugs" (also known as the "Low Income Subsidy Rider" or the "LIS Rider"), which tells you about your drug coverage. If you don’t have this insert, please call Member Services and ask for the "LIS Rider." (Phone numbers for Member Services are printed on the back cover of this booklet.)
In some situations, your plan premium could be more
In some situations, your plan premium could be more than the amount listed above in Section 4.1. This situation is described below.
- Some members are required to pay a Part D late enrollment penalty because they did not join a Medicare drug plan when they first became eligible or because they had a continuous period of 63 days or more when they didn’t have "creditable" prescription drug coverage. ("Creditable" means the drug coverage is expected to pay, on average, at least as much as Medicare’s standard prescription drug coverage.) For these members, the Part D late enrollment penalty is added to the plan’s monthly premium. Their premium amount will be the monthly plan premium plus the amount of their Part D late enrollment penalty.
- If you are required to pay the Part D late enrollment penalty, the cost of the late enrollment penalty depends on how long you went without Part D or creditable prescription drug coverage. Chapter 1, Section 5 explains the Part D late enrollment penalty.
- If you have a Part D late enrollment penalty and do not pay it, you could be disenrolled from the plan.
- Section 5.1 - What is the Part D "late enrollment penalty"?
Note: If you receive "Extra Help" from Medicare to pay for your prescription drugs, you will not pay a late enrollment penalty.
The late enrollment penalty is an amount that is added to your Part D premium. You may owe a Part D late enrollment penalty if at any time after your initial enrollment period is over, there is a period of 63 days or more in a row when you did not have Part D or other creditable prescription drug coverage. "Creditable prescription drug coverage" is coverage that meets Medicare’s minimum standards since it is expected to pay, on average, at least as much as Medicare’s standard prescription drug coverage. The cost of the late enrollment penalty depends on how long you went without Part D or creditable prescription drug coverage. You will have to pay this penalty for as long as you have Part D coverage.
The Part D late enrollment penalty is added to your monthly premium. When you first enroll in KelseyCare Advantage Rx+Choice, we let you know the amount of the penalty.
Your Part D late enrollment penalty is considered part of your plan premium. If you do not pay your Part D late enrollment penalty, you could lose your prescription drug benefits for failure to pay your plan premium.
- Section 5.2 - How much is the Part D late enrollment penalty?
Medicare determines the amount of the penalty. Here is how it works:
- First count the number of full months that you delayed enrolling in a Medicare drug plan, after you were eligible to enroll. Or count the number of full months in which you did not have creditable prescription drug coverage, if the break in coverage was 63 days or more. The penalty is 1% for every month that you didn’t have creditable coverage. For example, if you go 14 months without coverage, the penalty will be 14%.
- Then Medicare determines the amount of the average monthly premium for Medicare drug plans in the nation from the previous year. For 2019, this average premium amount is $33.19.
- To calculate your monthly penalty, you multiply the penalty percentage and the average monthly premium and then round it to the nearest 10 cents. In the example here it would be 14% times $33.19, which equals $4.65. This rounds to $4.70. This amount would be added to the monthly premium for someone with a Part D late enrollment penalty.
There are three important things to note about this monthly Part D late enrollment penalty:
- First, the penalty may change each year, because the average monthly premium can change each year. If the national average premium (as determined by Medicare) increases, your penalty will increase.
- Second, you will continue to pay a penalty every month for as long as you are enrolled in a plan that has Medicare Part D drug benefits, even if you change plans.
- Third, if you are under 65 and currently receiving Medicare benefits, the Part D late enrollment penalty will reset when you turn 65. After age 65, your Part D late enrollment penalty will be based only on the months that you don’t have coverage after your initial enrollment period for aging into Medicare.
- Section 5.3 - In some situations, you can enroll late and not have to pay the penalty
Even if you have delayed enrolling in a plan offering Medicare Part D coverage when you were first eligible, sometimes you do not have to pay the Part D late enrollment penalty.
You will not have to pay a penalty for late enrollment if you are in any of these situations:
- If you already have prescription drug coverage that is expected to pay, on average, at least as much as Medicare’s standard prescription drug coverage. Medicare calls this "creditable drug coverage." Please note:
- Creditable coverage could include drug coverage from a former employer or union, TRICARE, or the Department of Veterans Affairs. Your insurer or your human resources department will tell you each year if your drug coverage is creditable coverage. This information may be sent to you in a letter or included in a newsletter from the plan. Keep this information, because you may need it if you join a Medicare drug plan later.
- Please note: If you receive a "certificate of creditable coverage" when your health coverage ends, it may not mean your prescription drug coverage was creditable. The notice must state that you had "creditable" prescription drug coverage that expected to pay as much as Medicare’s standard prescription drug plan pays.
- The following are not creditable prescription drug coverage: prescription drug discount cards, free clinics, and drug discount websites.
- For additional information about creditable coverage, please look in your Medicare & You 2019 Handbook or call Medicare at 1-800-MEDICARE (1-800-633-4227). TTY users call 1-877-486-2048. You can call these numbers for free, 24 hours a day, 7 days a week.
- If you were without creditable coverage, but you were without it for less than 63 days in a row.
- If you are receiving "Extra Help" from Medicare.
- Section 5.4 - What can you do if you disagree about your Part D late enrollment penalty?
If you disagree about your Part D late enrollment penalty, you or your representative can ask for a review of the decision about your late enrollment penalty. Generally, you must request this review within 60 days from the date on the first letter you receive stating you have to pay a late enrollment penalty. If you were paying a penalty before joining our plan, you may not have another chance to request a review of that late enrollment penalty. Call Member Services to find out more about how to do this (phone numbers are printed on the back cover of this booklet).
Important: Do not stop paying your Part D late enrollment penalty while you’re waiting for a review of the decision about your late enrollment penalty. If you do, you could be disenrolled for failure to pay your plan premiums.
- Section 6.1 - Who pays an extra Part D amount because of income?
Most people pay a standard monthly Part D premium. However, some people pay an extra amount because of their yearly income. If your income is $85,000 or above for an individual (or married individuals filing separately) or $170,000 or above for married couples, you must pay an extra amount directly to the government for your Medicare Part D coverage.
If you have to pay an extra amount, Social Security, not your Medicare plan, will send you a letter telling you what that extra amount will be and how to pay it. The extra amount will be withheld from your Social Security, Railroad Retirement Board, or Office of Personnel Management benefit check, no matter how you usually pay your plan premium, unless your monthly benefit isn’t enough to cover the extra amount owed. If your benefit check isn’t enough to cover the extra amount, you will get a bill from Medicare. You must pay the extra amount to the government. It cannot be paid with your monthly plan premium.
- Section 6.2 - How much is the extra Part D amount?
If your modified adjusted gross income (MAGI) as reported on your IRS tax return is above a certain amount, you will pay an extra amount in addition to your monthly plan premium. For more information on the extra amount you may have to pay based on your income, visit https://www.medicare.gov/part-d/costs/premiums/drug-plan-premiums.html.
- Section 6.3 - What can you do if you disagree about paying an extra Part D amount?
If you disagree about paying an extra amount because of your income, you can ask Social Security to review the decision. To find out more about how to do this, contact Social Security at 1-800-772-1213 (TTY 1-800-325-0778).
- Section 6.4 - What happens if you do not pay the extra Part D amount?
The extra amount is paid directly to the government (not your Medicare plan) for your Medicare Part D coverage. If you are required by law to pay the extra amount and you do not pay it, you will be disenrolled from the plan and lose prescription drug coverage.
Many members are required to pay other Medicare premiums
In addition to paying the monthly plan premium, many members are required to pay other Medicare premiums. As explained in Section 2 above, in order to be eligible for our plan, you must have both Medicare Part A and Medicare Part B. Some plan members (those who aren’t eligible for premium-free Part A) pay a premium for Medicare Part A. Most plan members pay a premium for Medicare Part B.You must continue paying your Medicare premiums to remain a member of the plan.
Some people pay an extra amount for Part D because of their yearly income. This is known as Income Related Monthly Adjustment Amounts, also known as IRMAA. If your income is greater than $85,000 for an individual (or married individuals filing separately) or greater than $170,000 for married couples, you must pay an extra amount directly to the government (not the Medicare plan) for your Medicare Part D coverage.
- If you are required to pay the extra amount and you do not pay it, you will be disenrolled from the plan and lose prescription drug coverage.
- If you have to pay an extra amount, Social Security, not your Medicare plan, will send you a letter telling you what that extra amount will be.
- For more information about Part D premiums based on income, go to Chapter 1, Section 6 of this booklet. You can also visit https://www.medicare.gov on the Web or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048. Or you may call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778.
Your copy of Medicare & You 2019 gives information about the Medicare premiums in the section called "2019 Medicare Costs." This explains how the Medicare Part B and Part D premiums differ for people with different incomes. Everyone with Medicare receives a copy of Medicare & You each year in the fall. Those new to Medicare receive it within a month after first signing up. You can also download a copy of Medicare & You 2019 from the Medicare website (https://www.medicare.gov). Or, you can order a printed copy by phone at 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users call 1-877-486-2048.
- Section 7.1 - There are several ways you can pay your plan premium
There are three ways you can pay your plan premium. Contact Member Services for more information on how to change the way you pay your plan premium.
If you decide to change the way you pay your premium, it can take up to three months for your new payment method to take effect. While we are processing your request for a new payment method, you are responsible for making sure that your plan premium is paid on time.
Option 1: You can pay by check
You may decide to pay your premium directly to our plan by check. If you choose to pay your premium by check, you will receive a monthly statement. You can also make a payment in person at 11511 Shadow Creek Parkway, Pearland, TX 77584. Payments can be made by check or money order when paying in person. If paying by check, please make the check payable to the plan and not CMS or HHS. There is a $25 charge each time a check is rejected for insufficient funds. Your payment should be received by the fifth (5th) of the month.
Option 2: You can pay by Electronic Fund Transfer (EFT)
Instead of paying by check, you can have your monthly plan premium automatically withdrawn from your bank account. Your premium will be automatically withdrawn from your bank account on or around the fifth of the month and sent to the plan. To set up your payment to be automatically withdrawn from your bank account, you will need to complete an Electronic Fund Transfer (EFT) Authorization Form. Call KelseyCare Advantage Member Services for a copy of the form.
Option 3: You can have the plan premium taken out of your monthly Social Security check
You can have the plan premium taken out of your monthly Social Security check. Contact Member Services for more information on how to pay your plan premium this way. We will be happy to help you set this up. (Phone numbers for Member Services are printed on the back cover of this booklet.)
What to do if you are having trouble paying your plan premium
Your plan premium is due in our office by the 5th of the month. If we have not received your premium payment by the 5th, we will send you a notice telling you that your plan membership will end if we do not receive your premium within two (2) calendar months after the fifth day of the month for which your premium is unpaid. If you are required to pay a Part D late enrollment penalty, you must pay the penalty to keep your prescription drug coverage.
If you are having trouble paying your premium on time, please contact Member Services to see if we can direct you to programs that will help with your plan premium. (Phone numbers for Member Services are printed on the back cover of this booklet.)
If we end your membership because you did not pay your premium, you will have health coverage under Original Medicare.
If we end your membership with the plan because you did not pay your plan premium, then you may not be able to receive Part D coverage until the following year if you enroll in a new plan during the annual enrollment period. During the annual Medicare open enrollment period, you may either join a stand-alone prescription drug plan or a health plan that also provides drug coverage. (If you go without "creditable" drug coverage for more than 63 days, you may have to pay a Part D late enrollment penalty for as long as you have Part D coverage.)
At the time we end your membership, you may still owe us for premiums you have not paid. We have the right to pursue collection of the premiums you owe. In the future, if you want to enroll again in our plan (or another plan that we offer), you will need to pay the amount you owe before you can enroll.
If you think we have wrongfully ended your membership, you have a right to ask us to reconsider this decision by making a complaint. Chapter 9, Section 10 of this booklet tells how to make a complaint. If you had an emergency circumstance that was out of your control and it caused you to not be able to pay your premiums within our grace period, you can ask us to reconsider this decision by calling 713-442-CARE (2273) or toll free at 1-866-535-8343. From October 1 through March 31, hours are 8:00 a.m. to 8:00 p.m., seven days a week. During this period on Thanksgiving Day and Christmas Day, calls are handled by our voice mail system. From April 1 through September 30, hours are 8:00 a.m. to 8:00 p.m., Monday through Friday. During this period on Saturdays, Sundays, and holidays, calls are handled by our voice mail system. TTY users should call 1-866-302-9336. You must make your request no later than 60 days after the date your membership ends.
- Section 7.2 - Can we change your monthly plan premium during the year?
No. We are not allowed to change the amount we charge for the plan’s monthly plan premium during the year. If the monthly plan premium changes for next year we will tell you in September and the change will take effect on January 1.
However, in some cases the part of the premium that you have to pay can change during the year. This happens if you become eligible for the "Extra Help" program or if you lose your eligibility for the "Extra Help" program during the year. If a member qualifies for "Extra Help" with their prescription drug costs, the "Extra Help" program will pay part of the member’s monthly plan premium. A member who loses their eligibility during the year will need to start paying their full monthly premium. You can find out more about the "Extra Help" program in Chapter 2, Section 7.
- Section 8.1 - How to help make sure that we have accurate information about you
Your membership record has information from your enrollment form, including your address and telephone number. It shows your specific plan coverage including your Primary Care Provider.
The doctors, hospitals, pharmacists, and other providers in the plan’s network need to have correct information about you. These network providers use your membership record to know what services and drugs are covered and the cost-sharing amounts for you. Because of this, it is very important that you help us keep your information up to date.
Let us know about these changes:
- Changes to your name, your address, or your phone number
- Changes in any other health insurance coverage you have (such as from your employer, your spouse’s employer, workers’ compensation, or Medicaid)
- If you have any liability claims, such as claims from an automobile accident
- If you have been admitted to a nursing home
- If you receive care in an out-of-area or out-of-network hospital or emergency room
- If your designated responsible party (such as a caregiver) changes
- If you are participating in a clinical research study
If any of this information changes, please let us know by calling Member Services (phone numbers are printed on the back cover of this booklet).
It is also important to contact Social Security if you move or change your mailing address. You can find phone numbers and contact information for Social Security in Chapter 2, Section 5.
Read over the information we send you about any other insurance coverage you have
Medicare requires that we collect information from you about any other medical or drug insurance coverage that you have. That’s because we must coordinate any other coverage you have with your benefits under our plan. (For more information about how our coverage works when you have other insurance, see Section 10 in this chapter.)
Once each year, we will send you a letter that lists any other medical or drug insurance coverage that we know about. Please read over this information carefully. If it is correct, you don’t need to do anything. If the information is incorrect, or if you have other coverage that is not listed, please call Member Services (phone numbers are printed on the back cover of this booklet).
- Section 9.1 - We make sure that your health information is protected
Federal and state laws protect the privacy of your medical records and personal health information. We protect your personal health information as required by these laws.
For more information about how we protect your personal health information, please go to Chapter 8, Section 1.4 of this booklet.
- Section 10.1 - Which plan pays first when you have other insurance?
When you have other insurance (like employer group health coverage), there are rules set by Medicare that decide whether our plan or your other insurance pays first. The insurance that pays first is called the "primary payer" and pays up to the limits of its coverage. The one that pays second, called the "secondary payer," only pays if there are costs left uncovered by the primary coverage. The secondary payer may not pay all of the uncovered costs.
These rules apply for employer or union group health plan coverage:
- If you have retiree coverage, Medicare pays first.
- If your group health plan coverage is based on your or a family member’s current employment, who pays first depends on your age, the number of people employed by your employer, and whether you have Medicare based on age, disability, or End-Stage Renal Disease (ESRD):
- If you’re under 65 and disabled and you or your family member is still working, your group health plan pays first if the employer has 100 or more employees or at least one employer in a multiple employer plan that has more than 100 employees.
- If you’re over 65 and you or your spouse is still working, your group health plan pays first if the employer has 20 or more employees or at least one employer in a multiple employer plan that has more than 20 employees.
- If you have Medicare because of ESRD, your group health plan will pay first for the first 30 months after you become eligible for Medicare.
These types of coverage usually pay first for services related to each type:
- No-fault insurance (including automobile insurance)
- Liability (including automobile insurance)
- Black lung benefits
- Workers’ compensation
Medicaid and TRICARE never pay first for Medicare-covered services. They only pay after Medicare, employer group health plans, and/or Medigap have paid.
If you have other insurance, tell your doctor, hospital, and pharmacy. If you have questions about who pays first, or you need to update your other insurance information, call Member Services (phone numbers are printed on the back cover of this booklet). You may need to give your plan member ID number to your other insurers (once you have confirmed their identity) so your bills are paid correctly and on time.