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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 ] | | • I'm on Medicare, can I have an HSA? | | • What are Tiers in Medicare Part D? | | • What is Step Therapy in Medicare Part D? | | • What is a Specified Low - Income Medicare Beneficiary (SLMB)? | | • What is a Quantity Limitation in Medicare Part D? | | • What is a Qualified Medicare Beneficiary (QMB) in Medicare Part D? | | • What is a Private Fee-for-Service Plan in Medicare Part D? | | • What is a Prior Authorization in Medicare Part D? | | • What is a Preferred Provider Organization in Medicare Part D? | • What is a Preferred Pharmacy in Medicare Part D?
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Medicare Part D - 1 Pre-Enrollment Topics | [ All In Category ] | | • Which drugs will UnitedHealth Rx cover in 2007? | | • Is it true that the 2007 WellCare Signature plan has a $0 deductible and a $0 generic drug co-pay? | | • What is a Copayment in the Medicare Part D Plans? | • What is Coinsurance for the Medicare Part D Plans?
| | • What is the meaning behind Cobrands or Cobranding Medicare Part D Plans? | | • What is the Approval Status of a Presciption Drug Plan? | | • What actually is the Annual Deductible? | | • How do I contact AmeriHealth Advantage Medicare Part D Prescription Drug Plans? | | • What is the contact information for the Advantage Star Plan - Medicare Part D Prescription Drug Plan? | | • What is the contact information for the SierraRx Prescription Drug Plans. |
Medicare Part D - 2 Enrollment | [ All In Category ] | | • Do you offer Medicare Part D plans for West Virginia? | | • Do you offer Medicare Part D plans for Washington, DC? | | • Do you offer Medicare Part D plans for Washington? | | • Do you offer Medicare Part D plans for Texas? | | • Do you offer Medicare Part D plans for Rhode Island? | | • Do you offer Medicare Part D plans for Pennsylvania? | | • Do you offer Medicare Part D plans for South Dakota? | | • Do you offer Medicare Part D plans for North Dakota? | | • Do you offer Medicare Part D plans for South Carolina? | | • Do you offer Medicare Part D plans for North Carolina? |
Medicare Part D - 3 After-Enrollment or Living with your Part D Plan | [ All In Category ] | | • What happens if I drop my present Part D plan because of insuficient use. Then, what happens if I were to reenroll at a later date (possiblly in 3 or 4 years?). Niether my Wife nor myself have even come close to the $250.00 initial deductible (even when considered together) - so the Part D plan seems a waste of money at this point. | | • How do I contact AdvantraRx? | | • What is the procedure for getting medications by mail on the AdvantraRx plans? | | • Is Niaspan covered by the Humana (or any other) Prescription Drug plans? | | • How do I contact Humana about my Medicare Part D plan? | | • I received a phone message from Humana saying that they will deduct Jan, Feb & Mar payments from my social security check in March. This is not what I wanted, what do I do? | | • I enrolled in a Humana Medicare Part D plan, but I was charged the full or wrong price for my Medication! How do I get reimbursed for my out of pocket expenses? | | • I enrollled in the wrong Humana Medicare Part D plan - I wanted the Enhanced plan, but signed up for the Standard Plan. | | • How do I change the method of payment for my Humana Medicare Part D plan? | | • My name is mis-spelled or incorrect on my Humana Medicare Part D ID card - how do I get this corrected? |
Medicaid or Extra Help | [ All In Category ] | | • Where do I find more information on Tri-Care - for instance, where can I download the Tri-Care Forms? | | • I should be getting "extra help" and am not. What do I do? | • 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.
| • 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 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 do I know if I have enrolled in the most cost-effective plan? | | • How do I cancell (dis-enroll) from my plan? | | • 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. | | • 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 can I change the plan I have selected? What is the procedure???
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AD & D | [ All In Category ] | | • How far in advance of travel can I buy my AD&D policy? And what would happen if my travel were to be canceled? Do I get a refund? | | • We have two employees interested in AD&D insurance. Do they need to have separate quotes? | | • Do I have to be employed full-time to qualify for AD&D coverage? | | • Am I covered if I am shot while testifying in court. | | • Can I get AD&D coverage if I am on disability? | | • I just got a motorcycle. If I have an accident will I be covered. | | • Why would I purchase AD&D insurance as opposed to normal Life Insurance? | | • Can my beneficiary live outside of the united states? | | • If I am involved in a fatal accident within 3 months of the policy activation, will the beneficiary be paid. | | • To which fax number do I fax the completed AD&D application form. |
Student Health Insurance | [ All In Category ] | | • What is the maximum benefit for Medical Evaculation and how does it work? | | • Would I have coverage in Canada and Europe under the Student Select Plan? |
Short Term (Temporary) Health Insurance | [ All In Category ] | • Does this coverage include psychiatrists,psychologists,therapists? If so is there a limitation on visits in/outpatient therapy as well?
| | • 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? |
Travel Insurance | [ All In Category ] | | • How is the H1N1 swine flu handled on International Medical Group's Travel and Trip Cancellation Insurance coverage | | • Does the Trip Cancellation/Travel Interruption Insurance have a deductible? | | • I would like to purchase Trip Cancellation/Interuption Insurance for a 60 day trip. Can I do this? | | • Are pre-existing conditions covered under this policy? | | • Who makes the decision on evaculation vs. local medical treatment | | • If I get sick or in an accident, do I have to pay first and then get reimbursed? | | • Do you offer travel insurance for a sports vacation? |
About Us | [ All In Category ] | | • What is the Monthly Premium in Medicare Part D? | | • How much does it cost me to use you as my agent or purchase through your firm? | • 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? |
Individual/Family Health Insurance | [ All In Category ] | | • I am a North Carolina resident who has been denied health coverage. Are there any options for me? | | • Who can help me establish an HSA account? | • Can I use my HSA to pay for medical expenses incurred before I set up my account?
| • May a self-employed person contribute to an HSA on a pre-tax basis?
| | • I don't have health insurance, can I get an HSA? | | • Does the HDHP policy have to be in my name to open an HSA? | | • Who is eligible for a Health Savings Account? | | • How much does an HSA cost? | | • What Is a "High Deductible Health Plan" (HDHP)? | | • What is a Health Savings Account ("HSA")? |
Health Savings Accounts | [ All In Category ] | • How are contributions treated for partners in a partnership or limited liability company (LLC)?
| • 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?
| • Our company wants to offer "matching" contributions, can we do that?
| • Our company offers benefits through a Section 125 plan, do contributions have to be comparable under these plans as well?
| | • As an employer, do I have to contribute the same amount to every employee's HSA? | • Do HSA contributions have to be made in equal amounts each month?
| • How much do I have to contribute to my employees' HSA, as an employer?
| • My employees want to contribute to their HSAs but want to make sure they get a tax benefit out of doing so. How does that work?
| • As an employer, do I own my employees' HSAs? Can I control how they spend the money in them?
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