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: I do not use any medicatons at this time, so if I decide not to enroll in a Medicare Part D prescription drug plan next year does that prevent me from enrolling in future years?
Answer: No. But you may pay a higher premium each month. The Medicare Part D program is voluntary and you can join a Medicare Part D plan during any of the Annual Enrollment Periods that run each ...
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Question: I am enrolling in a new Medicare Part D plan for next year. I still have enough of a 90 day prescription left to last me until February. Can I make my part D plan effective February 1 to save the cost of the January Part D premium?
Answer: I do not believe that you are able to choose your effective date when enrolling in a Medicare Part D plan during the Annual Election Period.
The effective or starting date of your new (or re-newed)...
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Question: Do any companies offer a non deductible and no pay in the donut hole? In the beginning of he Part D program they did for a higher premium then it was stopped.
Answer: A number of Medicare Part D plan providers offer generic drug coverage in the donut hole or coverage gap.However, in recent years, only a very limited number of Medicare Part D plans offer some ...
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Question: I just selected a Medicare Part D plan and now the CMS Part D plan ratings are online. Are the Plan ratings really important?
Answer: To make the enrollment decision simpler, the Centers for Medicare and Medicaid Services (CMS) stress that Medicare beneficiaries should focus on a few important aspects when selecting a new Part D pre...
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Question: Last year, my Part D prescription drug coverage was delayed because of a problem with my enrollment application. How can I avoid this problem this year?
Answer: Some people find that applying for Medicare Part D prescription drug coverage is not so easy.
The Part D application is only few pages long, but there are some common mistakes that can keep you from...
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Question: I didn’t enroll in a Medicare Part D plan when I was first eligible, how will I calculate my Part D premium penalty?
Answer: If you did not enroll into a Medicare Part D prescription drug plan during your initial enrollment period (IEP) and you did not have other creditable prescription coverage (like VA or employer b...
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Question: Should I send a monthly payment in with my Medicare Part D enrollment form?
Answer: Never submit any money with your Medicare Part D plan enrollment application.No Medicare Part D plan requires an enrollee to send money with a prescription drug plan enrollment application.If you are ...
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Question: What is the Initial Coverage Limit or drug cost ceiling before going into the donut hole or coverage gap? The limit seems to vary between Medicare Part D plan providers.
Answer: The standard Initial Coverage Limit before entering the coverage gap or donut hole varies each year. For instance, the initial coverage limit is $2,700 for 2009.You can view the standard Initial...
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Question: I enrolled in a Medicare Part D plan during the annual Open Enrollment Period, then, I changed my mind and enrolled in Medicare Advantage plan that includes drug coverage. What happens if I enrolled in more than one plan during the enrollment period?
Answer: The last Medicare plan enrollment application received before the end of the annual Open Enrollment Period (December 7th) determines your Medicare Part D plan or Medicare Advantage plan for the n...
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Question: When I enroll in a new Medicare Part D prescription drug plan, do I need to dis-enroll from my old Medicare Part D plan or do I need to notify the current prescription drug plan about the change?
Answer: No. You do not need to cancel or dis-enroll from your existing Part D plan before enrolling in a new Medicare Part D prescription drug plan.When you change Medicare Part D prescription dru...
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Question: What are the Annual Enrollment Period dates?
Answer: The Annual Enrollment Period for a Medicare Part D plan (also called the Annual Coordinated Election Period or Annual Election Period or AEP) is the same every year and begins on October 15th and cont...
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Question: 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?
Answer: United HealthCare has 2 plans available for 2008 UnitedHealth Rx Basic ($0 deductible) and UnitedHealth Rx Value ($275 deductible). The 2009 United HealthCare plan information will be available ...
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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 should I do if I have drug coverage through an employer or union and will also get the extra help with my drug costs?
Answer: If you have drug coverage through an employer or union and will also get the extra help paying for your drug costs, talk to your employer/union or the benefits administrator of your employer or u...
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Question: How will my Federal Employee Health Benefits (FEHB) work with my Medicare prescription drug coverage?
Answer: If you get Federal Employee Health Benefits (FEHB), your coverage will not change. If you decide that your Federal Employee Health Benefits drug coverage meets your needs, you can choose not to join a...
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Question: How will my TRICARE coverage work with my Medicare prescription drug plan?
Answer: If you get TRICARE, your coverage will not change. If you decide that TRICARE drug coverage meets your needs, you can choose not to join a Medicare drug plan. You can keep your current coverage.
It w...
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Question: 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?
Answer: To have Medicare help pay for your drugs, you must join a plan that provides Medicare prescription drug coverage. You can choose and join the plan that meets your needs. If you don't use a lot of pres...
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Question: When can I join a Medicare drug plan?
Answer: You can join from October 15 - December 7 of each year.
In most cases, if you don't join by December 31, and you don't currently have a drug plan that, on average, covers at least as much as st...
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Question: If I have a disability and receive Medicare benefits before age 65, can I also sign up for a Medicare Part D 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?
Answer: If you are eligible for Medicare A and/or Medicare B, you are also eligible to enroll in a Medicare Part D prescription drug plan.
You have an initial enrollment period (or IEP) during a seven (7) ...
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