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Frequently Asked Questions
|The following are some frequently asked questions
and the answers that have been provided by Central Management
Services. These may be helpful for you in understanding what is
going on with the new Medicare Advantage program.
However, all information should be verified by knowledgeable sources
--Central Management Services (CMS) TRAIL website,
--Medicare Advantage seminars put on by CMS,
--Group Insurance Representative (GIR) from the State Employee
--Insurance companies that are offering the new Medicare Advantage
Who will be required to make a choice regarding
being enrolled in the state’s new Medicare Advantage program?
Only retirees who meet the following two conditions: 1) the retiree
must be enrolled in Medicare Parts A and B; 2) all of a retiree’s
dependents who are on the retiree’s insurance coverage must be
enrolled in Medicare Parts A and B.
What conditions will allow a retiree or
survivor to remain with their existing state health insurance
policy? 1) if the retiree/survivor or any dependent on
his/her insurance policy is not enrolled in Medicare Parts A and B;
or 2) if the retiree/survivor does not live in the United States; or
3) if the retiree/survivor turns age 65 on or after October 1, 2013.
If I and my covered dependents are Medicare
eligible, must I do anything to remain in the state’s healthcare
program? Yes. You must choose which of the state’s four
Medicare Advantage insurance plans you wish to use and then submit
the appropriate enrollment form before December 13
If I am required to make a choice and fail to
do that by December 13, 2013, what will happen? You will be
dropped from your current health insurance plan, you will not be
enrolled in the new Medicare Advantage program, and you will be
dropped from the state’s life insurance program. You will continue
to have coverage under original (regular) Medicare only.
When will the changes in health insurance be
effective? February 1, 2014.
Is the choice I make during this enrollment
process permanent? No. Each year, during October - December,
the state will schedule an open enrollment period. During the open
enrollment period, you may choose to be in either original (regular)
Medicare or the state’s Medicare Advantage program. You may also
change which Medicare Advantage insurance plan you wish to be
Will there be informational meetings to explain
the new Medicare Advantage program and the choices to be made by
retirees? Yes. Medicare Advantage seminars have been
scheduled throughout the state starting November 11 and continuing
through December 11. The schedule of meetings is available on the
CMS TRAIL website.
When does the enrollment period for the
Medicare Advantage program end? December 13, 2013.
Enrollment materials must be post-marked with a date on or before
December 13, 2013.
Will the 1% annuity deduction that began July
1, 2013 continue to be deducted if someone chooses to enroll in the
state’s Medicare Advantage program? Yes, this deduction will
continue to be taken. It will increase to 2% starting July 1, 2014.
Will the Medicare premium payment currently
paid by Medicare eligible retirees and their Medicare eligible
dependents be required if someone chooses to enroll in the state’s
Medicare Advantage program? Yes. This payment will be
required no matter what choice is made – enroll in Medicare
Advantage or opt out of the state’s healthcare program and remain in
original (regular) Medicare.
Will medical providers provide services and
accept payment from the state’s Medicare Advantage insurance plans?
Medical providers who accept original (regular) Medicare are
required to accept insurance coverage under the state’s Medicare
Do the state’s Medicare Advantage insurance
plans include prescription drug coverage? Yes. All four of
the Medicare Advantage plans have prescription drugs coverage with
no gap (i.e. donut hole) in the coverage.