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This is archive material for research purposes. Please see PDPFinder.com or MAFinder.com for current plans.

2011 Sterling Option II (PFFS) in Rutherford, North Carolina

Medicare Advantage Plan Benefit Details in Plain Text
The following Medicare Advantage plan benefits apply to the Sterling Option II (PFFS) (H5006 - 017) in Rutherford, North Carolina .

This plan is administered by .  To switch to a different Medicare Advantage plan or to change your location, click here.
Click here to see the Sterling Option II (PFFS) health and prescription benefit details in chart format or email and view benefits chart

Plan Premium
The Sterling Option II (PFFS) has a monthly premium of $90.70. That is $1,088.40 for 12 months. There are a few factors that can increase or decrease this premium. If you qualify for full or partial extra help, your premium will be lower. If you have a premium penalty, your premium will be higher. Please remember that the $90.70 montly premium is in addition to your Medicare Part B premium. If you have a premium penalty, your premium will be higher. Or if you have a higher income you would be subject to the Income Related Adjustment Amount (IRMAA).

This Medicare Advantage Plan with Prescription Drug Coverage is a PFFS plan.

Prescription Drug Coverage: Deductible, Cost-sharing, Formulary
This plan has a $200 deductible. So, you are 100% responsible for the first $200 in medication costs. After you have met the deductible, the Sterling Option II (PFFS) will share the costs of your medications with you (see cost-sharing below). The maximum deductible for 2011 is $310, but this plan (Sterling Option II (PFFS)) has a $200. There are other plans with a lower deductible or even a $0 deductible for all formulary drugs. Click here to review plans with a $0 deductible.

 
The Initial Coverage Phase (ICP) can be thought of as the cost-sharing phase of the plan. During this phase, you and the insurance company share your prescription costs. Once you have spent $200, your initial coverage phase will start. All medication are divided into tiers within the plans formulary. This helps the plan to organize and manage the prescription cost-sharing. The Sterling Option II (PFFS)’s formulary is divided into 4 tiers. Every plan can name their tiers differently, and can place medications on any tier. The cost-sharing for this plan is divided as follows:
  • Tier 1 (Preferred Generic Drugs) contains 0 drugs and has a co-payment of $4.00.
  • Tier 2 (Generic Drugs) contains 0 drugs and has a co-payment of $18.00.
  • Tier 3 (Preferred Brand Drugs) contains 0 drugs and has a co-payment of $40.00.
  • Tier 4 (Specialty Tier Drugs) contains 0 drugs and has a co-insurance of 25% of the drug cost.
    •   
Click here to browse the Sterling Option II (PFFS) Formulary.

The Coverage Gap, which is also known as the Donut (Doughnut) Hole is the phase of your Medicare Part D plan where you are responsible for 100% of your medication costs. Healthcare Reform mandates that the insurance carrier pay 7% of your generic drug prescription costs in the donut hole on your behalf.

The brand-name drug manufacturer will pay 50% and your plan will pay an additional 0% of the cost of your brand-name drugs purchased in the Donut Hole, for a total of 50% discount. The 50% paid by the brand-name drug manufacturer is paid on your behalf and therefore counts toward your TrOOP (or True Out-of-Pocket) costs. The portion paid by your plan, does not count toward TrOOP. Some Medicare Part D plans offer coverage during the Coverage Gap that is beyond the mandated discounts. Any drug not covered by the plan’s Gap Coverage will still receive the discounts noted above -- even if the plan has "No Gap Coverage". This plan (Sterling Option II (PFFS)) offers No Coverage during the Coverage Gap phase.

The Sterling Option II (PFFS) offers many Health and Prescription Drug Coverage Benefits. The following section will describe these benefits in detail.

** Cost **
Premium and Other Important Information
$90.7 monthly plan premium in addition to your monthly Medicare Part B premium.
Most people will pay the standard monthly Part B premium in addition to their MA plan premium. However some people will pay higher Part B and Part D premiums because of their yearly income (over $85 000 for singles $170 000 for married couples). For more information about Part B and Part D premiums based on income call Medicare at 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. You may also call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778.
This plan covers all Medicare-covered preventive services with zero cost sharing.
This plan does not allow providers to balance bill (charging more than your cost share amount).
$4 000 out-of-pocket limit.
This limit includes only Medicare-covered services.
** Doctor and Hospital Choice **
Doctor and Hospital Choice
You may go to any doctor specialist or hospital that accepts the plan's terms and conditions of payment.
** Extra Benefits **
Prescription Drugs
20% of the cost for Part B-covered chemotherapy drugs and other Part B-covered drugs.
This plan uses a formulary. The plan will send you the formulary. You can also see the formulary at http://www.sterlingplans.com on the web.
Different out-of-pocket costs may apply for people who
  • have limited incomes
  • live in long term care facilities or
  • have access to Indian/Tribal/Urban (Indian Health Service).
The plan offers national in-network prescription coverage (i.e. this would include 50 states and DC). This means that you will pay the same cost-sharing amount for your prescription drugs if you get them at an in-network pharmacy outside of the plan's service area (for instance when you travel).
Total yearly drug costs are the total drug costs paid by both you and the plan.
The plan may require you to first try one drug to treat your condition before it will cover another drug for that condition.
Some drugs have quantity limits.
Your provider must get prior authorization from Sterling Option II (PFFS) for certain drugs.
You must go to certain pharmacies for a very limited number of drugs due to special handling provider coordination or patient education requirements that cannot be met by most pharmacies in your network. These drugs are listed on the plan's website formulary printed materials as well as on the Medicare Prescription Drug Plan Finder on Medicare.gov.
If the actual cost of a drug is less than the normal cost-sharing amount for that drug you will pay the actual cost not the higher cost-sharing amount.
If you request a formulary exception for a drug and Sterling Option II (PFFS) approves the exception you will pay Tier 3: Preferred Brand Drugs cost sharing for that drug.
$200 yearly deductible.
After you pay your yearly deductible you pay the following until total yearly drug costs reach $2 840:
Tier 1: Preferred Generic Drugs
Tier 2: Generic Drugs
Tier 3: Preferred Brand Drugs
Tier 4: Specialty Tier Drugs
  • $4 copay for a one-month (30-day) supply of drugs in this tier
  • $18 copay for a one-month (30-day) supply of drugs in this tier
  • $40 copay for a one-month (30-day) supply of drugs in this tier
  • 25% coinsurance for a one-month (30-day) supply of drugs in this tier
  • $12 copay for a three-month (90-day) supply of drugs in this tier
  • $54 copay for a three-month (90-day) supply of drugs in this tier
  • $120 copay for a three-month (90-day) supply of drugs in this tier
  • 25% coinsurance for a three-month (90-day) supply of drugs in this tier
    • Tier 1: Preferred Generic Drugs
    Tier 2: Generic Drugs
    Tier 3: Preferred Brand Drugs
    Tier 4: Specialty Tier Drugs
  • $4 copay for a one-month (31-day) supply of drugs in this tier
  • $18 copay for a one-month (31-day) supply of drugs in this tier
  • $40 copay for a one-month (31-day) supply of drugs in this tier
  • 25% coinsurance for a one-month (31-day) supply of drugs in this tier
    • Tier 1: Preferred Generic Drugs
    Tier 2: Generic Drugs
    Tier 3: Preferred Brand Drugs
    Tier 4: Specialty Tier Drugs
  • $10 copay for a three-month (90-day) supply of drugs in this tier
  • $45 copay for a three-month (90-day) supply of drugs in this tier
  • $100 copay for a three-month (90-day) supply of drugs in this tier
  • 25% coinsurance for a three-month (90-day) supply of drugs in this tier
    • After your total yearly drug costs reach $2 840 you pay 93% for all generic drugs and 100% for all brand drugs until your yearly out-of-pocket drug costs reach $4 550.
    After your yearly out-of-pocket drug costs reach $ 4 550 you pay the greater of:
    • A $ 2.50 copay for generic (including brand drugs treated as generic) and a $ 6.30 copay for all other drugs or
    • 5% coinsurance.
    Plan drugs may be covered in special circumstances for instance illness while traveling outside of the plan's service area where there is no network pharmacy. You may have to pay more than your normal cost-sharing amount if you get your drugs at an out-of-network pharmacy. In addition you will likely have to pay the pharmacy's full charge for the drug and submit documentation to receive reimbursement from Sterling Option II (PFFS).
    After you pay your yearly deductible you will be reimbursed up to the full cost of the drug minus the following for drugs purchased out-of-network until total yearly drug costs reach $2 840:
    Tier 1: Preferred Generic Drugs
    Tier 2: Generic Drugs
    Tier 3: Preferred Brand Drugs
    Tier 4: Specialty Tier Drugs
  • $4 copay for a (10-day) supply of drugs in this tier
  • $18 copay for a (10-day) supply of drugs in this tier
  • $40 copay for a (10-day) supply of drugs in this tier
  • 25% coinsurance for a (10-day) supply of drugs in this tier
    • You will be reimbursed up to 7% of the plan allowable cost for generic drugs purchased out-of-network until total yearly out-of-pocket drug costs reach $4 550.
    After your total yearly drug costs reach $2 840 you pay 100% of the pharmacy's full charge for brand drugs purchased out-of-network until your yearly out-of-pocket drug costs reach $4 550. You will not be reimbursed by Sterling Option II (PFFS) for out-of-network purchases when you are in the coverage gap. However you should still submit documentation to Sterling Option II (PFFS) so we can add the amounts you spent out-of-network to your total out-of-pocket costs for the year.
    After your yearly out-of-pocket drug costs reach $ 4 550 you will be reimbursed for drugs purchased out-of-network up to the full cost of the drug minus your cost share which is the greater of:
    • A $ 2.50 copay for generic (including brand drugs treated as generic) and a $ 6.30 copay for all other drugs or
    • 5% coinsurance.
    Physical Exams
    $0 copay for routine exams.
    Limited to 1 exam(s) every year.
    Vision Services
    $0 copay for diagnosis and treatment for diseases and conditions of the eye
  • and up to 1 routine eye exam(s) every year
    • $0 copay for
    • one pair of eyeglasses or contact lenses after cataract surgery
  • up to 1 pair(s) of glasses
    • $100 plan coverage limit for eye exams every year.
    $200 plan coverage limit for eye wear.
    Dental Services
    $0 copay for Medicare-covered dental benefits.
    $0 copay for the following preventive dental benefits:
  • oral exams
  • cleanings
  • fluoride treatments
  • dental x-rays
    • $200 plan coverage limit for preventive dental benefits every year.
    Separate Office Visit cost sharing of $15 to $30 [or 0% to 15% of the cost] may apply.
    ** Important Information **
    Premium and Other Important Information
    $90.7 monthly plan premium in addition to your monthly Medicare Part B premium.
    Most people will pay the standard monthly Part B premium in addition to their MA plan premium. However some people will pay higher Part B and Part D premiums because of their yearly income (over $85 000 for singles $170 000 for married couples). For more information about Part B and Part D premiums based on income call Medicare at 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. You may also call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778.
    This plan covers all Medicare-covered preventive services with zero cost sharing.
    This plan does not allow providers to balance bill (charging more than your cost share amount).
    $4 000 out-of-pocket limit.
    This limit includes only Medicare-covered services.
    Doctor and Hospital Choice
    You may go to any doctor specialist or hospital that accepts the plan's terms and conditions of payment.
    ** Inpatient Care **
    Inpatient Hospital Care (Acute)
    You may go to any doctor specialist or hospital that accepts the plan's terms and conditions of payment except in emergencies.
    No limit to the number of days covered by the plan each benefit period.
    For Medicare-covered hospital stays:
    Days 1 - 5: $200 copay per day
    Days 6 - 90: $0 copay per day
    $0 copay for each additional hospital day.
    Inpatient Mental Health Care
    Contact the plan for details about coverage in a Psychiatric Hospital beyond 190 days.
    For Medicare-covered hospital stays:
    Days 1 - 5: $200 copay per day
    Days 6 - 90: $0 copay per day
    For hospital days:
    Days 91 - 190: $0 copay per day
    Skilled Nursing Facility (SNF)
    Plan covers up to 100 days each benefit period
    3-day prior hospital stay is required.
    For Medicare-covered SNF stays:
    Days 1 - 10: $0 copay per day
    Days 11 - 100: $50 copay per day
    Home Health Care
    $0 copay for Medicare-covered home health visits.
    Hospice
    You must get care from a Medicare-certified hospice.
    ** Outpatient Care **
    Doctor Office Visits
    You may go to any doctor specialist or hospital that accepts the plan's terms and conditions of payment.
    See 'Welcome to Medicare; and Annual Wellness Visit' for more information.
    $15 copay for each primary care doctor visit for Medicare-covered benefits.
    $30 copay for each specialist visit for Medicare-covered benefits.
    Chiropractic Services
    $15 copay for each Medicare-covered visit.
    Medicare-covered chiropractic visits are for manual manipulation of the spine to correct subluxation (a displacement or misalignment of a joint or body part) if you get it from a chiropractor or other qualified providers.
    Podiatry Services
    $30 copay for each Medicare-covered visit.
    Medicare-covered podiatry benefits are for medically-necessary foot care.
    Outpatient Mental Health Care
    40% of the cost for each Medicare-covered individual or group therapy visit.
    Outpatient Substance Abuse Care
    40% of the cost for Medicare-covered individual or group visits.
    Outpatient Hospital Services
    15% of the cost for each Medicare-covered ambulatory surgical center visit.
    15% of the cost for each Medicare-covered outpatient hospital facility visit.
    Emergency Care
    $50 copay for Medicare-covered emergency room visits.
    $25 000 plan coverage limit for emergency services outside the U.S. every year.
    If you are admitted to the hospital within 1-day for the same condition you pay $0 for the emergency room visit
    Outpatient Rehabilitation Services
    There may be limits on physical therapy occupational therapy and speech and language pathology services. If so there may be exceptions to these limits.
    15% of the cost for Medicare-covered Occupational Therapy visits.
    15% of the cost for Medicare-covered Physical and/or Speech and Language Therapy visits.
    $0 copay for Medicare-covered Cardiac Rehab services.
    ** Outpatient Medical Services and Supplies **
    Durable Medical Equipment
    20% of the cost for Medicare-covered items.
    Prosthetic Devices
    20% of the cost for Medicare-covered items.
    Diabetes Self-Monitoring Training, Nutrition Therapy, and Supplies
    $0 copay for Diabetes self-monitoring training.
    $0 copay for Nutrition Therapy for Diabetes.
    20% of the cost for Diabetes supplies.
    Separate Office Visit cost sharing of $15 to $30 [or 0% to 15% of the cost] may apply.
    ** Preventive Services **
    Bone Mass Measurement
    $0 copay for Medicare-covered bone mass measurement
    Separate Office Visit cost sharing of $15 to $30 [or 0% to 15% of the cost] may apply.
    Colorectal Screening Exams
    $0 copay for Medicare-covered colorectal screenings.
    Separate Office Visit cost sharing of $15 to $30 [or 0% to 15% of the cost] may apply.
    Immunizations
    $0 copay for Flu and Pneumonia vaccines.
    $0 copay for Hepatitis B vaccine.
    Pap Smears and Pelvic Exams
    $0 copay for Medicare-covered pap smears and pelvic exams.
    Separate Office Visit cost sharing of $15 to $30 [or 0% to 15% of the cost] may apply.
    Prostate Cancer Screening Exams
    $0 copay for
    • Medicare-covered prostate cancer screening
    Separate Office Visit cost sharing of $15 to $30 [or 0% to 15% of the cost] may apply.
    ** Additional Benefits **
    Dialysis
    15% of the cost for renal dialysis
    $0 copay for Nutrition Therapy for End-Stage Renal Disease
    Prescription Drugs
    20% of the cost for Part B-covered chemotherapy drugs and other Part B-covered drugs.
    This plan uses a formulary. The plan will send you the formulary. You can also see the formulary at http://www.sterlingplans.com on the web.
    Different out-of-pocket costs may apply for people who
    • have limited incomes
    • live in long term care facilities or
    • have access to Indian/Tribal/Urban (Indian Health Service).
    The plan offers national in-network prescription coverage (i.e. this would include 50 states and DC). This means that you will pay the same cost-sharing amount for your prescription drugs if you get them at an in-network pharmacy outside of the plan's service area (for instance when you travel).
    Total yearly drug costs are the total drug costs paid by both you and the plan.
    The plan may require you to first try one drug to treat your condition before it will cover another drug for that condition.
    Some drugs have quantity limits.
    Your provider must get prior authorization from Sterling Option II (PFFS) for certain drugs.
    You must go to certain pharmacies for a very limited number of drugs due to special handling provider coordination or patient education requirements that cannot be met by most pharmacies in your network. These drugs are listed on the plan's website formulary printed materials as well as on the Medicare Prescription Drug Plan Finder on Medicare.gov.
    If the actual cost of a drug is less than the normal cost-sharing amount for that drug you will pay the actual cost not the higher cost-sharing amount.
    If you request a formulary exception for a drug and Sterling Option II (PFFS) approves the exception you will pay Tier 3: Preferred Brand Drugs cost sharing for that drug.
    $200 yearly deductible.
    After you pay your yearly deductible you pay the following until total yearly drug costs reach $2 840:
    Tier 1: Preferred Generic Drugs
    Tier 2: Generic Drugs
    Tier 3: Preferred Brand Drugs
    Tier 4: Specialty Tier Drugs
  • $4 copay for a one-month (30-day) supply of drugs in this tier
  • $18 copay for a one-month (30-day) supply of drugs in this tier
  • $40 copay for a one-month (30-day) supply of drugs in this tier
  • 25% coinsurance for a one-month (30-day) supply of drugs in this tier
  • $12 copay for a three-month (90-day) supply of drugs in this tier
  • $54 copay for a three-month (90-day) supply of drugs in this tier
  • $120 copay for a three-month (90-day) supply of drugs in this tier
  • 25% coinsurance for a three-month (90-day) supply of drugs in this tier
    • Tier 1: Preferred Generic Drugs
    Tier 2: Generic Drugs
    Tier 3: Preferred Brand Drugs
    Tier 4: Specialty Tier Drugs
  • $4 copay for a one-month (31-day) supply of drugs in this tier
  • $18 copay for a one-month (31-day) supply of drugs in this tier
  • $40 copay for a one-month (31-day) supply of drugs in this tier
  • 25% coinsurance for a one-month (31-day) supply of drugs in this tier
    • Tier 1: Preferred Generic Drugs
    Tier 2: Generic Drugs
    Tier 3: Preferred Brand Drugs
    Tier 4: Specialty Tier Drugs
  • $10 copay for a three-month (90-day) supply of drugs in this tier
  • $45 copay for a three-month (90-day) supply of drugs in this tier
  • $100 copay for a three-month (90-day) supply of drugs in this tier
  • 25% coinsurance for a three-month (90-day) supply of drugs in this tier
    • After your total yearly drug costs reach $2 840 you pay 93% for all generic drugs and 100% for all brand drugs until your yearly out-of-pocket drug costs reach $4 550.
    After your yearly out-of-pocket drug costs reach $ 4 550 you pay the greater of:
    • A $ 2.50 copay for generic (including brand drugs treated as generic) and a $ 6.30 copay for all other drugs or
    • 5% coinsurance.
    Plan drugs may be covered in special circumstances for instance illness while traveling outside of the plan's service area where there is no network pharmacy. You may have to pay more than your normal cost-sharing amount if you get your drugs at an out-of-network pharmacy. In addition you will likely have to pay the pharmacy's full charge for the drug and submit documentation to receive reimbursement from Sterling Option II (PFFS).
    After you pay your yearly deductible you will be reimbursed up to the full cost of the drug minus the following for drugs purchased out-of-network until total yearly drug costs reach $2 840:
    Tier 1: Preferred Generic Drugs
    Tier 2: Generic Drugs
    Tier 3: Preferred Brand Drugs
    Tier 4: Specialty Tier Drugs
  • $4 copay for a (10-day) supply of drugs in this tier
  • $18 copay for a (10-day) supply of drugs in this tier
  • $40 copay for a (10-day) supply of drugs in this tier
  • 25% coinsurance for a (10-day) supply of drugs in this tier
    • You will be reimbursed up to 7% of the plan allowable cost for generic drugs purchased out-of-network until total yearly out-of-pocket drug costs reach $4 550.
    After your total yearly drug costs reach $2 840 you pay 100% of the pharmacy's full charge for brand drugs purchased out-of-network until your yearly out-of-pocket drug costs reach $4 550. You will not be reimbursed by Sterling Option II (PFFS) for out-of-network purchases when you are in the coverage gap. However you should still submit documentation to Sterling Option II (PFFS) so we can add the amounts you spent out-of-network to your total out-of-pocket costs for the year.
    After your yearly out-of-pocket drug costs reach $ 4 550 you will be reimbursed for drugs purchased out-of-network up to the full cost of the drug minus your cost share which is the greater of:
    • A $ 2.50 copay for generic (including brand drugs treated as generic) and a $ 6.30 copay for all other drugs or
    • 5% coinsurance.
    Dental Services
    $0 copay for Medicare-covered dental benefits.
    $0 copay for the following preventive dental benefits:
  • oral exams
  • cleanings
  • fluoride treatments
  • dental x-rays
    • $200 plan coverage limit for preventive dental benefits every year.
    Separate Office Visit cost sharing of $15 to $30 [or 0% to 15% of the cost] may apply.
    Hearing Services
    Hearing aids not covered.
    $0 copay for Medicare-covered diagnostic hearing exams
  • up to 1 routine hearing test(s) every year
    • $100 plan coverage limit for routine hearing tests every year.
    Vision Services
    $0 copay for diagnosis and treatment for diseases and conditions of the eye
  • and up to 1 routine eye exam(s) every year
    • $0 copay for
    • one pair of eyeglasses or contact lenses after cataract surgery
  • up to 1 pair(s) of glasses
    • $100 plan coverage limit for eye exams every year.
    $200 plan coverage limit for eye wear.
    Physical Exams
    $0 copay for routine exams.
    Limited to 1 exam(s) every year.
    Health/Wellness Education
    The plan covers the following health/wellness education benefits:
  • Health Club Membership/Fitness Classes
  • Nursing Hotline
    • $0 copay for each Medicare-covered smoking cessation counseling session.
    $0 copay for each Medicare-covered HIV screening.
    HIV screening is covered for people with Medicare who are pregnant and people at increased risk for the infection including anyone who asks for the test. Medicare covers this test once every 12 months or up to three times during a pregnancy.
    Transportation
    This plan does not cover routine transportation.
    Acupuncture
    This plan does not cover Acupuncture.




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      "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
    • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
    • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
    • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
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    • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
    • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
    • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
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    • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
    • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
    • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
    • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.
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