Open Enrollment
Remember: Your clients MUST make updates to their Marketplace application during Open Enrollment or they’ll be automatically re-enrolled in the same plan or a similar plan if their plan is no longer available.
The deadline to help consumers find plans that best fit their needs is quickly approaching. This year’s Open Enrollment runs through December 15, so act fast!
Even if your clients intend to enroll in the same plan, help each client open and review their application to ensure you still receive a commission for their 2018 enrollment. Remind your clients who are making updates on their own to check that your National Producer Number (NPN) stays on their application.
We’re here to help! When you have questions,
contact us:
info@myutahhealthplans.com
University Of Utah Hospital
Overview University of Utah Hospital
Since University of Utah Hospital in Salt Lake City, Utah opened its doors in 1965, we’ve grown from a single hospital to an extensive health care system that includes four hospitals and 12 neighborhood health centers staffed by 1,000 board-certified University of Utah Health physicians trained in 200 medical specialties.
We care for patients across the spectrum of health care, from routine screenings and outpatient visits to trauma emergencies. We know that many of our patients arrive at our front doors, having already been on long and difficult health care journeys. They are seeking treatment, solutions and cures for some of the most complicated health issues. As an academic health care system, we are able to collaborate with our research and academic partners to push the furthermost limits of knowledge in science and medicine, so that we can discover the treatments and cures they need.
We are also 8,000 committed staff members working together to treat all patients with the compassion, integrity and respect they deserve.
Affordable Care Act (OBAMA CARE) Expained
Medicare Explained
What’s a Medicare health plan?
Generally, a plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in the plan. Medicare health plans include all Medicare Advantage Plans, Medicare Cost Plans, and Demonstration/Pilot Programs. Programs of All-inclusive Care for the Elderly (PACE) organizations are special types of Medicare health plans. PACE plans can be offered by public or private entities and provide Part D and other benefits in addition to Part A and Part B benefits.
Medicare Advantage Plans cover all Medicare services
Medicare Advantage Plans must cover all of the services that Original Medicare covers. However, if you’re in a Medicare Advantage Plan, Original Medicare will still cover the cost for hospice care, some new Medicare benefits, and some costs for clinical research studies. In all types of Medicare Advantage Plans, you’re always covered for emergency and urgently needed care.
The plan can choose not to cover the costs of services that aren’t medically necessary under Medicare. If you’re not sure whether a service is covered, check with your provider before you get the service.
Most Medicare Advantage Plans offer extra coverage, like vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Medicare Advantage Plan.
In 2017, the standard Part B premium amount is $134 (or higher depending on your income) ($134 in 2018). However, some people who get Social Security benefits pay less than this amount ($109 on average in 2017; $130 on average in 2018).
If you need a service that the plan says isn’t medically necessary, you may have to pay all the costs of the service. But, you have the right to appealthe decision.
You can also ask the plan for a written advance coverage decision to make sure a service is medically necessary and will be covered. If the plan won’t pay for a service you think you need, you’ll have to pay all of the costs if you didn’t ask for an advance coverage decision.
6 Ways to Lower Your Drug Cost
1. Consider switching to generics or other lower-cost drugs.
Talk to your doctor to find out if there are generic or less-expensive brand-name drugs that would work just as well as the ones you’re taking now. You might also be able to save money by using mail-order pharmacies. Find health & drug plans.
2. Choose a plan that offers additional coverage during the gap.
There are plans that offer additional coverage during the coverage gap (Medicare prescription drug coverage), like for generic drugs. However, plans with additional gap coverage may charge a higher monthly premium. Check with the drug plan first to see if your drugs would be covered during the gap. Find health & drug plans.
3. Pharmaceutical Assistance Programs.
Some pharmaceutical companies offer help for people enrolled in Medicare Part D. Find out whether there’s a Pharmaceutical Assistance Program for the drugs you take.
4. State Pharmaceutical Assistance Programs.
Many states and the U.S. Virgin Islands offer help paying drug plan premiums and/or other drug costs. Find out if your state has a State Pharmaceutical Assistance Program.
Medicare and Social Security have a program for people with limited income and resources that helps you pay for your prescription drugs. If you qualify, you could pay no more than $3.30 for each generic in 2017 ($3.35 in 2018) or $8.25 for each brand-name covered drug in 2017 ($8.35 in 2018).
6. Explore national and community-based charitable programs that can help with your drug costs like these:
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Medicare Relaxation Center
David Grau
Registered Agent