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Questions & Answers (FAQ)
The categories of Frequently Asked Questions (FAQs) can be found to the right. Simply click on one of the questions below or a category to the right.
Medicare Part D | [ All In Category ] | | • Is it compusolary that I join plan D? Why do I have to join plan D? What happens if I do not want to join the plan D? | | • Is anybody doing something about coverage for Niaspan? | | • How can I contact First Health Premier | | • How can I get extra help with my medication costs? | | • What happens after the $3600 out of pocket has been met? | | • What is an Employer or Union Retiree Plan as defined in Medicare Part D? | | • What is a Formulary in the Medicare Part D Plans? | | • What is Cost Sharing in Medicare Part D? | | • What is a Demonstration/Pilot Program in Medicare Part D? | | • What is the Deductible in the Medicare Part D Plans? |
Medicare Part D - 1 Pre-Enrollment Topics | [ All In Category ] | | • What is Co-Payment or Co-Pay? | | • I am trying to select a new Medicare Part D Plan and I need help! How do you choose a Medicare Part D plan? | • What will my drugs cost in the donut hole? Negotiated price of insurer or retail price? How can I find out my cost of drugs in the donut hole?
| | • Is it true that the 2007 WellCare Signature plan has a $0 deductible and a $0 generic drug co-pay? | | • Which drugs will UnitedHealth Rx cover in 2007? | • I am covered under Humana Gold Choice for my part D prescription coverage. I would like to know what exact coverage I have.
| | • I have a friend that applied for extra help and recieved her letter that she qualified. She also appied for a Unicare premier part D plan. Now the pharmacy says she has to pay $10 and $30 copay. Unicare is telling her that because she qualifies for extra help that she has to apply for a value plan. Is this true? What should she do now? | • I have chosen a plan, but I am waiting on info package. However, I need to find out what medications are on Tier One or Two would match one I'm on in Tier three. My doctor is willing to work with me, but neither of us know where to look.
| | • I plan to enroll in a Part D program sometime in May to avoid the higher premium. My question is will there be any additional cost if I just add the Plan D to my existing plan | | • How do I contact AmeriHealth Advantage Medicare Part D Prescription Drug Plans? |
Medicare Part D - 2 Enrollment | [ All In Category ] | | • How do I contact WellCare about my Medicare Part D enrollment? | | • How do I enroll in a Medicare Part D plan? | | • I receive Medicaid, which payment option do I select on my enrollment form? | | • Do you offer Medicare Part D plans for West Virginia? | | • Do you offer Medicare Part D plans for Washington, DC? | | • I live in Alabama, do you offer 2007 Medicare Part D plans for me? | | • Do you offer Medicare Part D plans in California? | | • Do you offer Medicare Part D plans in Delaware? | | • Do you offer Medicare Part D plans for Iowa? | | • Do you offer Medicare Part D plans for Nevada? |
Medicare Part D - 3 After-Enrollment or Living with your Part D Plan | [ All In Category ] | | • I need the Humana form to order prescriptions by mail. | • How do I find out if my Humana Medicare Part D plan is active?
| | • How can the Pharmacy see if my Humana plan is active? | • where do I get a list of the number of pills I can get at one time under the Humana plans
| | • How can I check to see if my Aetna plan is active? | | • What is the procedure for getting medications by mail on the AdvantraRx plans? | | • How do I get a Letter of Coverage from Humana | | • Is Niaspan covered by the Humana (or any other) Prescription Drug plans? | | • How do I contact AdvantraRx? | | • How do I create an online account on the Humana website. |
Medicaid or Extra Help | [ All In Category ] | • I am having trouble getting the extra help that I qualify for at Wal-Mart, and I need to pick up 2 prescriptions that are ready that I cannot afford without the extra help.There is a problem on your end per Medicare & Social Security. Please contact me ASAP so I will know what to do.
| | • Where do I find more information on Tri-Care - for instance, where can I download the Tri-Care Forms? | • My parents used have medicaid to cover their drugs. They got a letter in 2005 from the insurance company that said they will automatically transfer my parents to a new medicare D plan. My parents waited untill 2006 but have not received any information about their new plan. I called the company today. They said they can not offer the medicare D to them because my parents only have Medicare B plan. Can you kindly tell me how my parents can do now?
| • My son is on Medicaid. He was assigned a Medicare Part D plan and his plan in Georgia does not cover one of his medications. What do we do?
| | • I should be getting "extra help" and am not. What do I do? | | • I am not suppose to have a deductable. I cannot pay for my medicine. I get State Aid. Help!!! |
Medicare Part D - 4 Switching Medicare Part D Plans | [ All In Category ] | • How can I change the plan I have selected? What is the procedure???
| | • i disenrolled from my Humana Medicare Part D Olan in error by phone a couple days ago and i wish to stay enrolled in my plan. | | • How do I cancell (dis-enroll) from my plan? | | • I have signed up and been accepted in a plan. Since then I have found another plan that is a lot cheaper can I drop the plan I have have signed up with? | | • How do I know if I have enrolled in the most cost-effective plan? |
AD & D | [ All In Category ] | | • I see a monthly premium for Accidental Death & Dismemberment AD&D being directly deducted from my checking account. I don't think that I ever signed up for such insurance coverage! Where is this deduction coming from? | | • Why would I purchase AD&D insurance as opposed to normal Life Insurance? | | • I just got a motorcycle. If I have an accident will I be covered. | | • To which fax number do I fax the completed AD&D application form. | | • What methods of payment are accepted for AD&D policies? | | • What is the difference between the policy owner and the beneficiary? | | • Can I get AD&D coverage if I am on disability? | | • Can my beneficiary live outside of the united states? | | • Is the AD&D premium per month or for the year? | | • If I am involved in a fatal accident within 3 months of the policy activation, will the beneficiary be paid. |
Student Health Insurance | [ All In Category ] | | • Would I have coverage in Canada and Europe under the Student Select Plan? | | • What is the maximum benefit for Medical Evaculation and how does it work? |
Short Term (Temporary) Health Insurance | [ All In Category ] | | • We are US citizens who have been out of the country for 7 out of the last 12 months. On the STM quote form for temporary insurance they ask if one has been a "legal resident of the United States for the last 12 consecutive months". Does this apply to us? | | • Under the Fortis plan do I have to go to certain doctors and hospitals? | • Does this coverage include psychiatrists,psychologists,therapists? If so is there a limitation on visits in/outpatient therapy as well?
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Travel Insurance | [ All In Category ] | | • Are pre-existing conditions covered under this policy? | | • Who makes the decision on evaculation vs. local medical treatment | | • Do you offer travel insurance for a sports vacation? | | • I would like to purchase Trip Cancellation/Interuption Insurance for a 60 day trip. Can I do this? | | • If I get sick or in an accident, do I have to pay first and then get reimbursed? | | • Does the Trip Cancellation/Travel Interruption Insurance have a deductible? |
About Us | [ All In Category ] | • I noticed on your Medicare emails that you are "speciality insurance brokers". Can you or do you know of any life insurer that would issue a $10,000 to $20,000 or so life insurance policy on my husband? He is 70 years old, has no life insurance and is in treatment for prostate cancer.
| | • Who are you? | | • How much does it cost me to use you as my agent or purchase through your firm? | | • What is the Monthly Premium in Medicare Part D? |
Individual/Family Health Insurance | [ All In Category ] | | • What is a Health Savings Account ("HSA")? | | • Does the HDHP policy have to be in my name to open an HSA? | | • What Is a "High Deductible Health Plan" (HDHP)? | | • I don't have health insurance, can I get an HSA? | | • Are there family plans with a rate guarantee? | | • What are the factors that exclude a person from "preferred" pricing for premiums? | | • What is a HIPAA policy? | | • I am looking for health insurance, but I am not total clear on the Coinsurance percentage and the Coinsurance Out-of-Pocket options. | | • I am looking for medical insurance coverage for both me and my husband. I recieved a quote of $330 per month but I want to know if it will change once I enter all of our information and don't want to commit if I can't accept the price. | • Can I use my HSA to pay for medical expenses incurred before I set up my account?
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Health Savings Accounts | [ All In Category ] | | • What is a Health Savings Account ("HSA")? | | • Does the HDHP policy have to be in my name to open an HSA? | | • What Is a "High Deductible Health Plan" (HDHP)? | | • I don't have health insurance, can I get an HSA? | • Can I use my HSA to pay for medical expenses incurred before I set up my account?
| | • I'm on Medicare, can I have an HSA? | | • Who is eligible for a Health Savings Account? | | • Who can help me establish an HSA account? | • How are contributions treated for owners and shareholders of S corps?
| • I don't offer health insurance, but some of my employees have opened HSAs and I'd like to help them out, what can I do?
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