Medicare answers for your most commonly asked questions.
FAQ #1 What makes MediPlan Max different from all the others?
At MediPlan/Max we are specially trained independent agents who are skilled at helping you understand all of your options and to help you choose the right plan for your unique needs. We treat you like family by listening, learning, and advising on what would be the best fit for those unique needs taking into consideration your lifestyle, your doctors, your medications and your budget. Unlike a captive agent who will only be able to offer you a few plans, whether they fit your needs or not, they don’t have you in their best interest. You could call every insurance carrier available in your area and still not have the info you need to make a wise choice. We take all the Insurance companies and the plans available in your area and find the ONE plan that fits your needs best.
FAQ #2 What are the dates for Open Enrollment or Annual Enrollment?
Open or Annual Enrollment (they are one in the same) is between October 15, 2018 and December 7, 2018. During this time those Medicare beneficiaries that are on a health plan have a chance to stay on their current plan for the following year or change to a different plan that will start the first day of January 2019.
FAQ #3 When is the Medicare Advantage Plan Disenrollment Period?
The Medicare Advantage Plan Disenrollment Period was from January 1, 2018 to February 14, 2018. During that time if you were enrolled in a Medicare Advantage Plan you could drop it and go back to only Medicare. You would be given an SEP or Special Enrollment Period at that time that would allow you to purchase a Medicare Prescription Drug Plan. You could also at that time purchase a Medicare Supplement Insurance Plan.
FAQ #4 Can I change plans during the year?
No and Yes. If you are already on a plan and could not or did not take advantage of the Medicare Advantage Plan Disenrollment Period you cannot change plans during the year. You are in what is called the Lock-In Period. You will not have a chance to change plans until Open or Annual Enrollment October 15, 2018 through December 7, 2018. However, if you have an eligible SEP or Special Election Period you CAN change plans. There are many different SEP qualifiers. To see if you might qualify for a Special Election Period, contact at MediPlan/Max.
FAQ #5 Do I need to fill out any paperwork before talking to your advisors?
Yes, we have a small form to fill out so that we can contact you and we know your basic information and give total consideration to your time. When you schedule your free one-to-one consult or your free seminar you’ll have access to that form.
FAQ #6 How much do you charge for your services?
There is never a charge for our services. We are paid by the insurance companies. All of the companies pay us the same amount per enrollment as to meet guidelines established by the Center for Medicare and Medicaid Services. Our focus is on making all of your options clear, making our recommendation, and standing behind it.
FAQ #7 How many different plans do you carry?
We carry a multitude of plans depending on the city, county and state, so that we can, without bias, compare and enroll you in THE plan which suits your particular needs best. Some of our choices include, United Healthcare, Aetna, Humana, Blue Cross Blue Shield, Memorial Hermann, Texan Plus, AARP Medicare Supplement Plans, Care Improvement Plus, Cigna HealthSpring, Well Care, Mutual of Omaha, and more…. If our review were to ever to lead to the conclusion that a plan that we DO NOT CARRY was the best fit for you, we will instruct you on how to get enrolled in that plan and you still would not be charged for our services. We know the plans in and out, we know each different plan’s local management team as well as knowing the folks at corporate.
FAQ #8 How can I save money on my prescription drugs?
Have an annual review performed by an independent licensed agent that carries multiple plans. This is the best time to take an overview of your drug expenses throughout the year and put together a strategy that will guarantee you pay the least amount for your drugs. Purchase your prescription drugs at your plan’s Preferred Network Pharmacy. Submit a request for a drug exception or drug Tier level exception. If you are a MediPlan/Max client we perform a FREE annual review including Prescription Drug Cost Comparison and strategy to Guarantee that you pay the least amount for your prescriptions.
FAQ #9 Do I have to keep the same Primary Care Physician (PCP) for the entire year?
No. Medicare and the insurance companies want you to be able to change doctors to find one that you like. Simply call the number on the back of your insurance card and let them know the new doctor’s name. They will send out a new card with the new doctor’s name on it within 5 business days. You will be able to start seeing that doctor on the first day of the month following the change.
FAQ #10 If I move will I lose my insurance coverage right away?
No. Your current plan will continue to cover you for 60 days. You will have an SEP, or Special Election Period, that will allow you to search, compare and enroll in a new plan from the plans available in that county. If you move to an area where only the same plans are available that are available to you now, you will not qualify for a Special Election Period and will continue with your current plan.
FAQ #11 Do I lose my Medicare if I enroll in a Medicare Advantage Plan or a Medicare Supplement Plan or a Medicare Prescription Drug Plan?
No. In each case you actually must have Medicare to be enrolled. You must have Part A and Part B to enroll in a Medicare Advantage Plan or a Medicare Supplement Plan.
FAQ #12 Is there something I can do if I have a complaint against a doctor, lab or hospital? Yes.
You can ‘File a Grievance’ with the insurance company. You can also contact Medicare. If you are a MediPlan/Max client we will Prepare, File and Follow-Up on your Grievance until satisfied.
FAQ #13 What do I do if I receive an incorrect bill from a doctor, lab or hospital?
Your first call should be to the provider’s office to confirm they used your current insurance. You want to confirm the date and amount owed. You want to state your case for the bill being incorrect. If not satisfied call your insurance company and have them confirm the coverage and your part. If you are a client of MediPlan/Max, fax, email, text, or mail us a copy of the bill and we will get to the bottom of it and have the problem solved completely.