Who is eligible
for Medicare?
Medicare is health insurance for people aged 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD) (permanent
kidney failure requiring dialysis or kidney transplant).
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What are the
different parts of Medicare?
There are 4 parts of Medicare:
Part A: Hospital Insurance
Every American who qualifies
for Medicare or is over 65 years old is eligible for Part A. Part A
provides coverage for among other things, inpatient hospital and skilled nursing facility
care. Once you are enrolled, your benefits are automatic -
usually for no monthly plan premium. However, many of these benefits
carry a deductible and coinsurance that the government sets annually.
Part B: Medical Insurance
Part B is optional and primarily
covers provider services, outpatient hospital care and more, for a low
monthly premium that changes from year to year. However, these programs
nearly always carry a deductible and coinsurance. The standard monthly Part B premium is $96.40.
Part C: Medicare Advantage
Plans
Part C, usually referred to
as Medicare Advantage Plans, are health plan options (like HMOs and PPOs) approved by Medicare and run by private companies. These plans cover ALL Medicare Part A and Part B benefits. These plans may also offer additional benefits, such as vision, hearing, dental, and/or health and wellness programs. Members of these plans may need to choose a primary care physician and use participating providers within the plan's network. You are eligible
to enroll in a Medicare Advantage plan if you are entitled to Part A
and enrolled in Part B; you live in the Medicare Advantage Plan's service area; and you don't have End-Stage Renal Disease (ESRD).
Part D: Prescription Drug Plans
Medicare offers prescription drug coverage through Prescription Drug plans run by private companies. This coverage is called "Part D." There are two ways to get Medicare Part D coverage, through: (1) stand-alone Prescription Drug Plans (PDPs) and (2) Medicare Advantage Part D (MA-PD) Plans. Part D plans also commonly use a variety of benefit management tools such as a formulary, co-pay tiers, step therapy and prior authorization.
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How can I compare
HNE’s different Medicare Advantage plans?
To compare our different Medicare Advantage plans, click here to view our plans' Summary of Benefits. Or, you can contact us.
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How can I compare
HNE’s Medicare Advantage plans with Medicare Advantage plans offered by other companies?
You can click here to visit the CMS website and use their plan finder tool.
When you click this link, you will leave the HNE Medicare Advantage Plan website. The website you go to offers health related services.
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Why should
I choose HNE?
The HNE Medicare Advantage
Plan options provide the same great local, and accountable HNE service our members
are used to, and the plans provide all the same benefits
as Medicare and more. We also pay for things that Medicare doesn’t
cover, like routine exams, vision screenings, and HNE’s innovative
health and fitness programs.
Here are some of the benefits
you’ll get from the HNE Medicare Advantage Plans:
- Routine office visits
- Emergency care anywhere
in the world
- Inpatient hospitalization
- X-rays and lab tests
- Vision screenings
- HNE’s innovative health programs
- Additional benefits:
- Vision allowance
- Dental allowance
- Fitness/Weight Watchers® allowance
Remember, most services require you to pay a copayment, and coverage for some services may be limited or require prior approval. Copayments, limits, and services that require prior approval are described in the HNE Medicare Advantage plans' Evidence of Coverage (click here).
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How do I know
if my drugs are covered?
To view our Formulary, click here. When it comes to benefits and prescription
drugs, we’re constantly re-evaluating our customers’ needs. We’ve taken
a lot of care to ensure that our prescription drug plan for Medicare offers
coverage for many commonly prescribed, brand name and generic drugs.
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How and when
do I sign up?
Medicare Beneficiaries may enroll in the HNE Medicare Advantage Plan:
- In person: come in to our office (use the Contact Us link to find our address)
- By telephone: call Enrollment (use the Contact Us link to for telephone numbers)
- Online: through the Centers for Medicare & Medicaid Services On-line Enrollment Center at http://www.medicare.gov. When you click this link, you will leave the HNE Medicare Advantage Plan website. The website you go to offers health related services.
Our Key Dates page tells you times that you can enroll.
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