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An exciting change has been made to your coverage – here’s what you need to know. Starting January 1, 2025, there is no longer a “Coverage Gap,” also called the “Donut Hole” Phase, in your prescription drug plan. This means that once you reach t...
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The Part D late enrollment penalty is a an amount added to your Part D monthly premium because you didn't sign up for drug coverage when it was available to you. If you go without a Part D plan or a Medicare Advantage plan with drug coverage for 6...
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Each Medicare Advantage plan with prescription drug coverage or Part D plan has its own list of covered drugs, called a formulary. Our pharmacy department partners with physicians from other health systems who are specialized in their field to dec...
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A HMO (Health Maintenance Organization) plan gives you personal care from a set network of doctors and hospitals. You'll get peace of mind with: The comfort of having an in-network primary care provider (PCP) to oversee all your care and refer you...
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A POS (Point of Service) plan gives you personal care and the freedom to go in and out of network. You'll get: The comfort of having an in-network PCP to oversee all your care. Flexibility to see out-of-network providers. Savings by seeing docto...
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When you're shopping for Medicare Advantage plans, it's important to find a plan type that meets your needs. Do you need personal care? Are your doctors covered in this plan's network? Knowing what comes with each type of Medicare Advantage plan is ...
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Out-of-pocket costs are what you must pay when you get care. These costs depend on how much care you actually get and your yearly out-of-pocket maximum. Once you hit this limit, your insurance pays for all of your care. There are three types of out-...
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For a Medicare Part D plan, you'll pay: A set monthly premium. A Part D deductible (if applicable). Copayments or coinsurance for your drug costs. All your other Medicare or Medicare Supplement costs. Medicare Part C plans may include Medicare...
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For Medicare Advantage plans, you pay: A set monthly premium. Your monthly Part B premium. Copayments, coinsurance or deductible (if applicable) each time you use medical services. Once you hit your yearly spending limit, or out-of-pocket maxim...
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In most cases, you can keep the health plan you have and enroll in Medicare when you retire. If you have other insurance, like through your work, there are rules for whether Medicare pays first. If your employer has fewer than 20 employees, you ma...