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2015 Medicare Advantage Plan Benefit Details for the Humana Gold Choice H8145-008 (PFFS)


2015 Medicare Advantage Plan Details & Enrollment Options
Medicare Plan Name:Humana Gold Choice H8145-008 (PFFS)
Location (County, State ZIP):Knox, Illinois
Plan ID:H8145 - 008 - 0     Click to see other plans
Member Services:1-800-457-4708 TTY users 711

— Enrollment Options —
Plan Contact Information:1-800-833-2364 or HumanaOCS@humana.com
TTY users 711
Medicare Contact Information:1-800-MEDICARE (1-800-633-422)
TTY users 1-877-486-2048
Email a copy of the Humana Gold Choice H8145-008 (PFFS) benefit details

— Plan Features —
Monthly Premium:$157.00 (See premium details below.)
Annual Rx Deductible:$320 (Tier 1, 2 and 3 excluded from the Deductible.)
Health Plan Type:PFFS
Maximum Out-of-Pocket Limit for Parts A & B (MOOP):$0
Gap Coverage:Yes
Total Number of Formulary Drugs:3,810 drugsBrowse the Humana Gold Choice H8145-008 (PFFS) Formulary
Formulary Drug Details:Tier 1Tier 2Tier 3Tier 4Tier 5
Cost-Sharing during
  initial coverage phase:
$6.00$15.00$45.00$95.0025%
Number of Drugs per
  Tier:
2218328371453467
Number of Members enrolled in this plan in Knox, Illinois:less than 10 members
Number of Members enrolled in this plan in Illinois:1,589 members
Number of Members enrolled in this plan (H8145 - 008):1,697 members
Plan’s Summary Star Rating: 4.00 out of 5 Stars.
Customer Service Rating: 4 out of 5 Stars.
Member Experience Rating: 4 out of 5 Stars.
Drug Cost Accuracy Rating: 4 out of 5 Stars.

— Plan Premium Details —
The Monthly Premium is Split as Follows:Total
Premium
Part C
Premium
Part D Base
Premium
Part D Supplemental
Premium
$157.00$114.20$39.40$3.40
Monthly Premium with Low-Income Subsidy:100%
Subsidy
75%
Subsidy
50%
Subsidy
25%
Subsidy
$14.60$21.60$28.70$35.70

— Plan Health Benefits —
** Cost **
Monthly Premium, Deductible, and Limits on How Much You Pay for Covered Services
$157 per month. In addition you must keep paying your Medicare Part B premium.
This plan has deductibles for some hospital and medical services and Part D prescription drugs.
$320 per year for Part D prescription drugs.
Yes. Like all Medicare health plans our plan protects you by having yearly limits on your out-of-pocket costs for medical and hospital care.
Your yearly limit(s) in this plan:
  • $6 700 for services you receive from any provider.
If you reach the limit on out-of-pocket costs you keep getting covered hospital and medical services and we will pay the full cost for the rest of the year.
Please note that you will still need to pay your monthly premiums and cost-sharing for your Part D prescription drugs.
Our plan has a coverage limit every year for certain in-network benefits. Contact us for the services that apply.
** Doctor and Hospital Choice **
Acupuncture and Other Alternative Therapies
Not covered
** Extra Benefits **
Inpatient Mental Health Care
For inpatient mental health care see the "Mental Health Care" section.
Outpatient Prescription Drugs
For Part B drugs such as chemotherapy drugs:
  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost
Other Part B drugs:
  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost
After you pay your yearly deductible you pay the following until your total yearly drug costs reach $2 960. Total yearly drug costs are the total drug costs paid by both you and our Part D plan.
You may get your drugs at network retail pharmacies and mail order pharmacies.
Standard Retail Cost-Sharing
TierOne-month supplyThree-month supply
Tier 1 (Preferred Generic)$6 copay$18 copay
Tier 2 (Non-Preferred Generic)$15 copay$45 copay
Tier 3 (Preferred Brand)$45 copay$135 copay
Tier 4 (Non-Preferred Brand)$95 copay$285 copay
Tier 5 (Specialty Tier)25% of the costNot Offered
Preferred Mail Order Cost-Sharing
TierOne-month supplyThree-month supply
Tier 1 (Preferred Generic)$6 copay$0
Tier 2 (Non-Preferred Generic)$15 copay$0
Tier 3 (Preferred Brand)$45 copay$125 copay
Tier 4 (Non-Preferred Brand)$95 copay$275 copay
Tier 5 (Specialty Tier)25% of the costNot Offered
Standard Mail Order Cost-Sharing
TierOne-month supplyThree-month supply
Tier 1 (Preferred Generic)$6 copay$18 copay
Tier 2 (Non-Preferred Generic)$15 copay$45 copay
Tier 3 (Preferred Brand)$45 copay$135 copay
Tier 4 (Non-Preferred Brand)$95 copay$285 copay
Tier 5 (Specialty Tier)25% of the costNot Offered
If you reside in a long-term care facility you pay the same as at a retail pharmacy.
You may get drugs from an out-of-network pharmacy but may pay more than you pay at an in-network pharmacy.
Most Medicare drug plans have a coverage gap (also called the "donut hole"). This means that there's a temporary change in what you will pay for your drugs. The coverage gap begins after the total yearly drug cost (including what our plan has paid and what you have paid) reaches $2 960.

After you enter the coverage gap you pay 45% of the plan's cost for covered brand name drugs and 65% of the plan's cost for covered generic drugs until your costs total $4 700 which is the end of the coverage gap. Not everyone will enter the coverage gap.

Under this plan you may pay even less for the brand and generic drugs on the formulary. Your cost varies by tier. You will need to use your formulary to locate your drug's tier. See the chart that follows to find out how much it will cost you.
Standard Retail Cost-Sharing
TierDrugs CoveredOne-month supplyThree-month supply
Tier 1 (Preferred Generic)Some$6 copay$18 copay
Tier 2 (Non-Preferred Generic)Some$15 copay$45 copay
Tier 3 (Preferred Brand)Some$45 copay$135 copay
Tier 4 (Non-Preferred Brand)Some$95 copay$285 copay
Tier 5 (Specialty Tier)Some25% of the costNot Offered
Preferred Mail Order Cost-Sharing
TierDrugs CoveredOne-month supplyThree-month supply
Tier 1 (Preferred Generic)Some$6 copay$0
Tier 2 (Non-Preferred Generic)Some$15 copay$0
Tier 3 (Preferred Brand)Some$45 copay$125 copay
Tier 4 (Non-Preferred Brand)Some$95 copay$275 copay
Tier 5 (Specialty Tier)Some25% of the costNot Offered
Standard Mail Order Cost-Sharing
TierDrugs CoveredOne-month supplyThree-month supply
Tier 1 (Preferred Generic)Some$6 copay$18 copay
Tier 2 (Non-Preferred Generic)Some$15 copay$45 copay
Tier 3 (Preferred Brand)Some$45 copay$135 copay
Tier 4 (Non-Preferred Brand)Some$95 copay$285 copay
Tier 5 (Specialty Tier)Some25% of the costNot Offered
After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $4 700 you pay the greater of:
  • 5% of the cost or
  • $2.65 copay for generic (including brand drugs treated as generic) and a $6.60 copayment for all other drugs.
** Important Information **
Monthly Premium, Deductible, and Limits on How Much You Pay for Covered Services
$157 per month. In addition you must keep paying your Medicare Part B premium.
This plan has deductibles for some hospital and medical services and Part D prescription drugs.
$320 per year for Part D prescription drugs.
Yes. Like all Medicare health plans our plan protects you by having yearly limits on your out-of-pocket costs for medical and hospital care.
Your yearly limit(s) in this plan:
  • $6 700 for services you receive from any provider.
If you reach the limit on out-of-pocket costs you keep getting covered hospital and medical services and we will pay the full cost for the rest of the year.
Please note that you will still need to pay your monthly premiums and cost-sharing for your Part D prescription drugs.
Our plan has a coverage limit every year for certain in-network benefits. Contact us for the services that apply.
** Outpatient Care and Services **
Acupuncture and Other Alternative Therapies
Not covered
Ambulance Services
  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost
Chiropractic Care
Manipulation of the spine to correct a subluxation (when 1 or more of the bones of your spine move out of position):
  • In-network:  $15 copay
  • Out-of-network:  $15 copay
Dental Services
Limited dental services (this does not include services in connection with care treatment filling removal or replacement of teeth):
  • In-network:  $40 copay
  • Out-of-network:  $40 copay
Diabetes Supplies and Services
Diabetes monitoring supplies:
  • In-network:  0-20% of the cost depending on the supply
  • Out-of-network:  20% of the cost
Diabetes self-management training:
  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing
Therapeutic shoes or inserts:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Diagnostic Tests, Lab and Radiology Services, and X-Rays
Diagnostic radiology services (such as MRIs CT scans):
  • In-network:  $15-40 copay or 20-25% of the cost depending on the service
  • Out-of-network:  $15-40 copay or 20-25% of the cost depending on the service
Diagnostic tests and procedures:
  • In-network:  $0-40 copay or 20-25% of the cost depending on the service
  • Out-of-network:  $0-40 copay or 20-25% of the cost depending on the service
Lab services:
  • In-network:  $0-40 copay or 25% of the cost depending on the service
  • Out-of-network:  $0-40 copay or 25% of the cost depending on the service
Outpatient x-rays:
  • In-network:  $15-40 copay or 20-25% of the cost depending on the service
  • Out-of-network:  $15-40 copay or 20-25% of the cost depending on the service
Therapeutic radiology services (such as radiation treatment for cancer):
  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost
Doctor’s Office Visits
Primary care physician visit:
  • In-network:  $15 copay
  • Out-of-network:  $15 copay
Specialist visit:
  • In-network:  $40 copay
  • Out-of-network:  $40 copay
Durable Medical Equipment (wheelchairs, oxygen, etc.)
  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost
If you go to a preferred vendor your cost may be less. Contact us for a list of preferred vendors.
Emergency Care
$65 copay
Foot Care (podiatry services)
Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions:
  • In-network:  $40 copay
  • Out-of-network:  $40 copay
Hearing Services
Exam to diagnose and treat hearing and balance issues:
  • In-network:  $40 copay
  • Out-of-network:  $40 copay
Home Health Care
  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing
Mental Health Care
Inpatient visit:
Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. The inpatient hospital care limit does not apply to inpatient mental services provided in a general hospital.
Our plan covers 90 days for an inpatient hospital stay.
Our plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days you can use these extra days. But once you have used up these extra 60 days your inpatient hospital coverage will be limited to 90 days.
  • In-network:  
    • $214 copay per day for days 1 through 6
    • You pay nothing per day for days 7 through 90
      • Out-of-network:  
        • $214 copay per day for days 1 through 6
        • You pay nothing per day for days 7 through 90
        • Outpatient group therapy visit:
          • In-network:  $40 copay
          • Out-of-network:  $40 copay
          Outpatient individual therapy visit:
          • In-network:  $40 copay
          • Out-of-network:  $40 copay
          Outpatient Rehabilitation Services
          Cardiac (heart) rehab services (for a maximum of 2 one-hour sessions per day for up to 36 sessions up to 36 weeks):
          • In-network:  $40 copay or 25% of the cost depending on the service
          • Out-of-network:  $40 copay or 25% of the cost depending on the service
          Occupational therapy visit:
          • In-network:  $40 copay
          • Out-of-network:  $40 copay
          Physical therapy and speech and language therapy visit:
          • In-network:  $40 copay
          • Out-of-network:  $40 copay
          Outpatient Substance Abuse
          Group therapy visit:
          • In-network:  25% of the cost
          • Out-of-network:  25% of the cost
          Individual therapy visit:
          • In-network:  25% of the cost
          • Out-of-network:  25% of the cost
          Outpatient Surgery
          Ambulatory surgical center:
          • In-network:  20% of the cost
          • Out-of-network:  20% of the cost
          Outpatient hospital:
          • In-network:  $40 copay or 20-25% of the cost depending on the service
          • Out-of-network:  $40 copay or 20-25% of the cost depending on the service
          Over-the-Counter Items
          Please visit our website to see our list of covered over-the-counter items.
          Prosthetic Devices (braces, artificial limbs, etc.)
          Prosthetic devices:
          • In-network:  20% of the cost
          • Out-of-network:  20% of the cost
          Related medical supplies:
          • In-network:  20% of the cost
          • Out-of-network:  20% of the cost
          Renal Dialysis
          • In-network:  20% of the cost
          • Out-of-network:  20% of the cost
          Transportation
          Not covered
          Urgently Needed Care
          $15-40 copay depending on the service
          Vision Services
          Exam to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening):
          • In-network:  $0-40 copay depending on the service
          • Out-of-network:  $0-40 copay depending on the service
          Routine eye exam:
          • In-network:  You pay nothing. You are covered for up to 1 every year.
          • Out-of-network:  You pay nothing.  There may be a limit to how often these services are covered.
          Our plan pays up to $130 every year for routine eye exams from any provider.
          Eyeglasses or contact lenses after cataract surgery:
          • In-network:  $25 copay
          • Out-of-network:  $25 copay
          ** Hospice **
          Hospice
          You pay nothing for hospice care from a Medicare-certified hospice. You may have to pay part of the cost for drugs and respite care.
          ** Preventive Care **
          Preventive Care
          • In-network:  You pay nothing
          • Out-of-network:  You pay nothing
          Our plan covers many preventive services including:
          • Abdominal aortic aneurysm screening
          • Alcohol misuse counseling
          • Bone mass measurement
          • Breast cancer screening (mammogram)
          • Cardiovascular disease (behavioral therapy)
          • Cardiovascular screenings
          • Cervical and vaginal cancer screening
          • Colonoscopy
          • Colorectal cancer screenings
          • Depression screening
          • Diabetes screenings
          • Fecal occult blood test
          • Flexible sigmoidoscopy
          • HIV screening
          • Medical nutrition therapy services
          • Obesity screening and counseling
          • Prostate cancer screenings (PSA)
          • Sexually transmitted infections screening and counseling
          • Tobacco use cessation counseling (counseling for people with no sign of tobacco-related disease)
          • Vaccines including Flu shots Hepatitis B shots Pneumococcal shots
          • "Welcome to Medicare" preventive visit (one-time)
          • Yearly "Wellness" visit
          Any additional preventive services approved by Medicare during the contract year will be covered.
          ** Inpatient Care **
          Inpatient Hospital Care
          Our plan covers an unlimited number of days for an inpatient hospital stay.
          • In-network:  
            • $264 copay per day for days 1 through 7
            • You pay nothing per day for days 8 through 60
            • $100 copay per day for days 61 through 90
            • You pay nothing per day for days 91 and beyond
              • Out-of-network:  
                • $264 copay per day for days 1 through 7
                • You pay nothing per day for days 8 through 60
                • $100 copay per day for days 61 through 90
                • Inpatient Mental Health Care
                  For inpatient mental health care see the "Mental Health Care" section.
                  Skilled Nursing Facility (SNF)
                  Our plan covers up to 100 days in a SNF.
                  • In-network:  
                      • $0 copay per day for days 1 through 20
                      • $150 copay per day for days 21 through 100
                      • Out-of-network:  
                        • You pay nothing per day for days 1 through 20
                        • $150 copay per day for days 21 through 100
                        • Outpatient Prescription Drugs
                          For Part B drugs such as chemotherapy drugs:
                          • In-network:  20% of the cost
                          • Out-of-network:  20% of the cost
                          Other Part B drugs:
                          • In-network:  20% of the cost
                          • Out-of-network:  20% of the cost
                          After you pay your yearly deductible you pay the following until your total yearly drug costs reach $2 960. Total yearly drug costs are the total drug costs paid by both you and our Part D plan.
                          You may get your drugs at network retail pharmacies and mail order pharmacies.
                          Standard Retail Cost-Sharing
                          TierOne-month supplyThree-month supply
                          Tier 1 (Preferred Generic)$6 copay$18 copay
                          Tier 2 (Non-Preferred Generic)$15 copay$45 copay
                          Tier 3 (Preferred Brand)$45 copay$135 copay
                          Tier 4 (Non-Preferred Brand)$95 copay$285 copay
                          Tier 5 (Specialty Tier)25% of the costNot Offered
                          Preferred Mail Order Cost-Sharing
                          TierOne-month supplyThree-month supply
                          Tier 1 (Preferred Generic)$6 copay$0
                          Tier 2 (Non-Preferred Generic)$15 copay$0
                          Tier 3 (Preferred Brand)$45 copay$125 copay
                          Tier 4 (Non-Preferred Brand)$95 copay$275 copay
                          Tier 5 (Specialty Tier)25% of the costNot Offered
                          Standard Mail Order Cost-Sharing
                          TierOne-month supplyThree-month supply
                          Tier 1 (Preferred Generic)$6 copay$18 copay
                          Tier 2 (Non-Preferred Generic)$15 copay$45 copay
                          Tier 3 (Preferred Brand)$45 copay$135 copay
                          Tier 4 (Non-Preferred Brand)$95 copay$285 copay
                          Tier 5 (Specialty Tier)25% of the costNot Offered
                          If you reside in a long-term care facility you pay the same as at a retail pharmacy.
                          You may get drugs from an out-of-network pharmacy but may pay more than you pay at an in-network pharmacy.
                          Most Medicare drug plans have a coverage gap (also called the "donut hole"). This means that there's a temporary change in what you will pay for your drugs. The coverage gap begins after the total yearly drug cost (including what our plan has paid and what you have paid) reaches $2 960.

                          After you enter the coverage gap you pay 45% of the plan's cost for covered brand name drugs and 65% of the plan's cost for covered generic drugs until your costs total $4 700 which is the end of the coverage gap. Not everyone will enter the coverage gap.

                          Under this plan you may pay even less for the brand and generic drugs on the formulary. Your cost varies by tier. You will need to use your formulary to locate your drug's tier. See the chart that follows to find out how much it will cost you.
                          Standard Retail Cost-Sharing
                          TierDrugs CoveredOne-month supplyThree-month supply
                          Tier 1 (Preferred Generic)Some$6 copay$18 copay
                          Tier 2 (Non-Preferred Generic)Some$15 copay$45 copay
                          Tier 3 (Preferred Brand)Some$45 copay$135 copay
                          Tier 4 (Non-Preferred Brand)Some$95 copay$285 copay
                          Tier 5 (Specialty Tier)Some25% of the costNot Offered
                          Preferred Mail Order Cost-Sharing
                          TierDrugs CoveredOne-month supplyThree-month supply
                          Tier 1 (Preferred Generic)Some$6 copay$0
                          Tier 2 (Non-Preferred Generic)Some$15 copay$0
                          Tier 3 (Preferred Brand)Some$45 copay$125 copay
                          Tier 4 (Non-Preferred Brand)Some$95 copay$275 copay
                          Tier 5 (Specialty Tier)Some25% of the costNot Offered
                          Standard Mail Order Cost-Sharing
                          TierDrugs CoveredOne-month supplyThree-month supply
                          Tier 1 (Preferred Generic)Some$6 copay$18 copay
                          Tier 2 (Non-Preferred Generic)Some$15 copay$45 copay
                          Tier 3 (Preferred Brand)Some$45 copay$135 copay
                          Tier 4 (Non-Preferred Brand)Some$95 copay$285 copay
                          Tier 5 (Specialty Tier)Some25% of the costNot Offered
                          After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $4 700 you pay the greater of:
                          • 5% of the cost or
                          • $2.65 copay for generic (including brand drugs treated as generic) and a $6.60 copayment for all other drugs.
                          ** Outpatient Care **
                          Diabetes Supplies and Services
                          Diabetes monitoring supplies:
                          • In-network:  0-20% of the cost depending on the supply
                          • Out-of-network:  20% of the cost
                          Diabetes self-management training:
                          • In-network:  You pay nothing
                          • Out-of-network:  You pay nothing
                          Therapeutic shoes or inserts:
                          • In-network:  You pay nothing
                          • Out-of-network:  20% of the cost
                          Foot Care (podiatry services)
                          Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions:
                          • In-network:  $40 copay
                          • Out-of-network:  $40 copay
                          Hearing Services
                          Exam to diagnose and treat hearing and balance issues:
                          • In-network:  $40 copay
                          • Out-of-network:  $40 copay
                          ** Outpatient Medical Services and Supplies **
                          Outpatient Substance Abuse
                          Group therapy visit:
                          • In-network:  25% of the cost
                          • Out-of-network:  25% of the cost
                          Individual therapy visit:
                          • In-network:  25% of the cost
                          • Out-of-network:  25% of the cost
                          Prosthetic Devices (braces, artificial limbs, etc.)
                          Prosthetic devices:
                          • In-network:  20% of the cost
                          • Out-of-network:  20% of the cost
                          Related medical supplies:
                          • In-network:  20% of the cost
                          • Out-of-network:  20% of the cost
                          ** Additional Benefits **
                          Inpatient Mental Health Care
                          For inpatient mental health care see the "Mental Health Care" section.
                          ** Cost **
                          Monthly Premium, Deductible, and Limits on How Much You Pay for Covered Services
                          Package 1: MyOption Dental - High PPO
                          Benefits include:
                          • Preventive Dental
                          • Comprehensive Dental
                          Additional $20.80 per month. You must keep paying your Medicare Part B premium and your $157 monthly plan premium.
                          $50 per year.
                          Our plan pays up to $1500 every year.
                          ** Important Information **
                          Package 1: MyOption Dental - High PPO
                          Benefits include:
                          • Preventive Dental
                          • Comprehensive Dental
                          Additional $20.80 per month. You must keep paying your Medicare Part B premium and your $157 monthly plan premium.
                          $50 per year.
                          Our plan pays up to $1500 every year.
                          ** Cost **
                          Package 2: MyOption Plus
                          Benefits include:
                          • Preventive Dental
                          • Comprehensive Dental
                          • Eye Exams
                          • Eyewear
                          Additional $20.90 per month. You must keep paying your Medicare Part B premium and your $157 monthly plan premium.
                          $50 per year. This package has additional deductibles for some services.
                          Our plan has a coverage limit for certain benefits.
                          ** Important Information **
                          Package 2: MyOption Plus
                          Benefits include:
                          • Preventive Dental
                          • Comprehensive Dental
                          • Eye Exams
                          • Eyewear
                          Additional $20.90 per month. You must keep paying your Medicare Part B premium and your $157 monthly plan premium.
                          $50 per year. This package has additional deductibles for some services.
                          Our plan has a coverage limit for certain benefits.

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                          Tips & Disclaimers
                          • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
                          • Medicare has neither reviewed nor endorsed the information on our site.
                          • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
                          • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDP-Compare.com and MA-Compare.com provide highlights of annual plan benefit changes.
                          • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
                          • Limitations, copayments, and restrictions may apply.
                          • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
                          • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
                          • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
                          • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
                          • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
                          • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
                          • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
                          • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
                          • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
                          • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
                          • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
                          • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
                          • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
                          • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
                          • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
                          • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.


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