Question: My COBRA ends on 4/15 whereas Part D plans begin on the first of the month. When should I enroll?
Answer: You will need to call your COBRA carrier and ask them if enrolling in a Medicare Part D plan for April 1 would dis-enroll you from your COBRA plan. If they say "No, it would not dis-enrol...
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Question: What is meant by the abbreviations: EA BA DS AE in the plan benefit type?
Answer: The Medicare Part D Benefit Types as shown in PDP-Facts our Part D Plan Statistics (National and State) are defined by CMS as follows:Per the 2010 CMS Call Letter: "In establishing the Part D pr...
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Question: Medicare Part D? What is it? How do I do to get it? Who pays for it? How do I enroll?
Answer: You can get more information on the Medicare Part D prescription drug plans by reviewing our Website www.Q1Medicare.com. If you are new to the Part D program, you may wish to start here: http://...
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Question: What are the United States territories that are also covered by Medicare Part D prescription drug plans? Is there a way to see the Medicare Part D plans offered in these U.S. Territories?
Answer: There are five United States territories that are covered by the Medicare Part D program and offer stand-alone Medicare Part D prescription drug plans:
American Samoa
Guam
the North...
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Question: Where can I get a Medical Power of Attorney form?
Answer: You can download a free Medical Power of Attorney form in our blog:Click here to go to our blog: Notes on Medical Power of Attorney. (http://www.q1medicare.com/q1group/Blog.php?blog_id=92)...
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Question: What is Public Law No: 110-275 - Medicare Improvements for Patients and Providers Act of 2008 or MIPPA?
Answer: The Medicare Improvements for Patients and Providers Act of 2008 or MIPPA was passed in July 2008 and amends a number of sections of the existing Medicare law or, in the words of Congress, the M...
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Question: What are the CMS Medicare Part D prescription drug plan regions?
Answer: The Medicare Modernization Act mandated that the Centers for Medicare and Medicaid Services (CMS) establish geographic regions for the implementation of the Medicare Part D prescription drug plans (PD...
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Question: How many companies will be offering a Medicare Part D prescription drug plans on a national basis?
Answer: As in 2007, 17 insurance providers offered 2008 Medicare Part D prescription drug plans on a national basis with two new entrants (Sterling Insurance Group and Universal American Financial Corpo...
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Question: Do people who sell Medicare drug plans have to be licensed insurance agents?
Answer: With updates in Medicare Marketing regulations, states can require individual to be state licensed, certified, or registered to market Medicare plans. Agents must also observe state appoin...
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Question: Will the drugs covered by Medicare drug plans meet the needs of both seniors and people with disabilities?
Answer: Yes. Medicare drug plans must cover drugs and/or categories of drugs that are commonly used by seniors and people with disabilities.(Source: U.S. Department of Health & Human Services)...
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Question: What is Medicare Prescription Drug Coverage?
Answer: Medicare prescription drug coverage is insurance provided by private companies that have been approved by Medicare. Medicare prescription drug coverage is available to everyone with Medicare. Thi...
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Question: 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.
Answer: First, yes, this all gets a little confusing.Medicare is the government program started in 1965 by President Johnson to provide health care for seniors citizens (over 65) and people receiving di...
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Question: What are Tiers in Medicare Part D?
Answer: Tiers, according to the Centers for Medicare and Medicaid (CMS)are defined as:
Drugs on a formulary are often organized into different drug “tiers,” or groups of different drug type...
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Question: What is Step Therapy in Medicare Part D?
Answer: Step Therapy, according to the Centers for Medicare and Medicaid (CMS) is defined as:
In some cases, plans require you to first try one drug before they will cover another drug for that condition. Fo...
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Question: What is a Quantity Limitation in Medicare Part D?
Answer: A Quantity Limitation, according to the Centers for Medicare and Medicaid (CMS) is defined as:
For safety and cost reasons, plans may limit the quantity of drugs that they cover over a certain ...
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Question: What is a Qualified Medicare Beneficiary (QMB) in Medicare Part D?
Answer: A Qualified Medicare Beneficiary (QMB), according to the Centers for Medicare and Medicaid (CMS) is defined as:
A Medicaid program for people with Medicare who need help in paying for Medicare ...
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Question: What is a Prior Authorization in Medicare Part D?
Answer: A Prior Authorization, according to the Centers for Medicare and Medicaid (CMS) is defined as:
Prior approval from an insurance plan before you get care or fill a prescription. In many instances...
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Question: What is a Plan Name in Medicare Part D?
Answer: A Plan Name, according to the Centers for Medicare and Medicaid (CMS) is defined as:
The name of the plan offered by the company that contracts with Medicare.
(source: Medicare.gov)...
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Question: What is Part B (Medical Insurance)?
Answer: Part B (Medical Insurance), according to the Centers for Medicare and Medicaid (CMS) is defined as:
Medicare medical insurance that helps pay for doctors' services, outpatient hospital care, durable ...
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Question: What is Part A (Hospital Insurance)?
Answer: Part A (Hospital Insurance), according to the Centers for Medicare and Medicaid (CMS) is defined as:
The part of Medicare that pays for inpatient hospital stays, care in a skilled nursing facility, h...
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