Medicare provides for a way for you (and/or your physician) to challenge your Medicare Part D plan. This could be in the form of a:
Coverage Determination: The first decision made by a plan regarding the prescription drug benefits an enrollee may be entitled to receive, including a decision not to
provide or pay for a Part D drug, a decision concerning
an exception request or a decision on the amount of cost
sharing for a drug.
Exceptions: A type of coverage determination request. Through the exceptions process an enrollee can request an off-formulary drug, an exception to the plan's tiered cost sharing structure, and an exception to the application of a cost utilization management tool (e.g., step therapy requirement, dose restriction, or prior authorization
Appeals: The process by which an enrollee may challenge a plan's coverage determination. There are five levels in the appeals process: redetermination by the plan, reconsideration by the Part D QIC (an independent review entity) an ALJ hearing, review by the Medicare Appeals Council and review by a federal district court. We expect most appeals to be resolved at the first two levels.
Please use the links below or to the left to learn more about your rights and the process for Coverage determinations and exceptions, appeals & grievances.
Plan Sponsor Contacts for Exceptions & Appeals Enter the plan contract id (ex: S1234 or H1234) for any Medicare Part D plan and the contact information (name, mailing address, telephone, fax, and email) for the appropriate exceptions person and/or appeals person will be displayed.
Appeal: Any of the procedures that deal with the review of adverse coverage determinations made by the Part D plan sponsor on the benefits under a Part D plan the enrollee believes he or she is entitled to receive, including a delay in providing or approving the drug coverage (when a delay would adversely affect the health of the enrollee), or on any amounts the enrollee must pay for the drug coverage, as defined in §423.566(b). These procedures include redeterminations by the Part D plan sponsor, reconsiderations by the independent review entity (IRE), Administrative Law Judge (ALJ) hearings, reviews by the Medicare Appeals Council (MAC), and judicial reviews.
Complaint: A complaint may involve a grievance, coverage determination, or both. A complaint also may involve a low-income subsidy (LIS) or late enrollment penalty (LEP) determination. Every complaint must be handled under the appropriate process.
Coverage Determination: Any decision made by or on behalf of a Part D plan sponsor regarding payment or benefits to which an enrollee believes he or she is entitled.
Effectuation: Compliance with a complete or partial reversal of a Part D plan sponsor’s original adverse coverage determination. Compliance may entail payment of a claim, or authorization for or provision of a benefit.
Enrollee: A Part D eligible individual who has elected a Part D plan offered by a Part D plan sponsor.
Grievance: Any complaint or dispute, other than one that involves a coverage determination or an LIS or LEP determination, expressing dissatisfaction with any aspect of the operations, activities, or behavior of a Part D plan sponsor, regardless of whether remedial action is requested. A grievance may also include a complaint that a Part D plan sponsor refused to expedite a coverage determination or redetermination. Grievances may include complaints regarding the timeliness, appropriateness, access to, and/or setting of a provided item.
Independent Review Entity (IRE) : An independent entity contracted by CMS to review Part D plan sponsor denials of coverage determinations.
Inquiry: Any oral or written request to a Part D plan sponsor or one of its contractors that does not involve a request for a coverage determination/exception request.
Other Prescriber: A health care professional other than a physician who is authorized under State law or other applicable law to write prescriptions.
Quality Improvement Organization (QIO) : Organizations comprised of practicing doctors and other health care experts under contract to the Federal government to monitor and improve the care given to Medicare enrollees. They review complaints raised by enrollees about the quality of care provided by physicians, inpatient hospitals, hospital outpatient departments, hospital emergency rooms, skilled nursing facilities, home health agencies, Medicare managed care plans, Medicare Part D prescription drug plans, and ambulatory surgical centers. The QIOs also review continued stay denials in acute inpatient hospital facilities as well as coverage terminations in skilled nursing facilities (SNFs), home health agencies (HHAs) and comprehensive outpatient rehabilitation facilities (CORFs).
Quality of Care Issue: A quality of care issue may be filed through the Part D plan sponsor's grievance process and/or a QIO. A QIO must determine whether the quality of services (including both inpatient and outpatient services) provided by a Part D plan sponsor meets professionally recognized standards of health care, including whether appropriate health care services have not been provided or have been provided in inappropriate settings.
Redetermination: The first level of the appeal process, which involves a Part D plan sponsor reevaluating an adverse coverage determination, the findings upon which it was based, and any other evidence submitted or obtained.
Representative: An individual either appointed by an enrollee or authorized under State or other applicable law to act on behalf of the enrollee in filing a grievance, requesting a coverage determination, or in dealing with any of the levels of the appeals process. Unless otherwise stated in part 423, subpart M of the Medicare Part D regulations, the representative has all of the rights and responsibilities of an enrollee in obtaining a coverage determination or in dealing with any of the levels of the appeals process.
Each Medicare Part D plan sponsor and each Medicare Part D plan that it offers must establish and maintain procedures for:
Standard and expedited coverage determinations;
Standard and expedited appeals; and
Standard and expedited grievances.
Part D plan sponsors also must provide written information to enrollees about the grievance and appeal procedures that are available to them through the Part D plan sponsor, at the following times:
Grievance procedure - at initial enrollment, upon involuntary disenrollment initiated by the Part D plan sponsor, upon denial of an enrollee's request for expedited review, upon an enrollee's request, and annually thereafter;
Appeal procedure, including the right to expedited review - at initial enrollment, upon notification of an adverse coverage determination or denial, and annually thereafter. If a plan changes its formulary or the cost-sharing status of a drug that has been prescribed for an enrollee, the plan must provide written information about the grievance and appeal procedures to enrollees who are affected by the change
Quality of care complaint process available under the Quality Improvement Organization (QIO) process at initial enrollment, and annually thereafter.
Each plan sponsor must conduct meaningful and thorough coverage determinations and redeterminations by:
Attempting to contact prescribing physicians or other prescribers to obtain supporting statements and additional medical documentation necessary to evaluate a request, as appropriate;
Attempting to obtain representation documentation from a non-enrollee appellant who presents as a representative;
Ascertaining state law and validating the representative status of a non-enrollee appellant who presents as a representative on behalf of an incompetent or incapacitated enrollee; and
Issuing determinations in a timely manner and in accordance with exceptions policies and criteria.
Plan sponsors must promote timely, efficient, and meaningful reconsideration appeals at the IRE level by:
Promptly identifying all requests for case files from the IRE, including requests that are made by fax
Pursuant to an expedited case file request, delivering (by overnight delivery or fax) the complete case file to the IRE no later than 24 hours after receiving the request from the IRE;
Pursuant to a standard case file request, delivering (by overnight delivery or fax) the complete case file to the IRE as promptly as possible, but no later than 48 hours after receiving the request from the IRE; and
Complying with other applicable procedures for appeals processing set forth in the IRE Reconsideration Process Manual.
As with all contractual responsibilities in the Part D program, the plan may delegate any of its grievance, coverage determination, and/or appeals responsibilities to another entity or individual that provides or arranges Part D benefits. In cases of delegation, the Part D plan sponsor remains responsible and must therefore ensure that requirements are met completely by its delegated entity and/or individual.
Rights of Medicare Part D Enrollees
Relative to grievances, coverage determinations, and appeals, the rights of Part D enrollees include, but are not limited to, the following:
The right to have grievances heard and resolved in accordance with the guidelines that are described in this chapter of the manual;
The right to request quality of care grievance data from Part D plan sponsors; and
The right to make a quality of care complaint under the QIO process.
The right to a timely coverage determination;
The right to request an expedited coverage determination as described in this chapter;
The right to receive information from a network pharmacist regarding the enrollee’s ability to obtain a detailed written notice from the Part D plan sponsor regarding the enrollee’s Part D benefits;
The right to a detailed written notice of a Part D plan sponsor’s decision to deny a benefit in whole or in part, which includes the enrollee’s appeal rights; and
The right to receive notice when a coverage determination is forwarded to the IRE.
The right to a timely redetermination;
The right to request an expedited redetermination as provided in this sesction;
The right to request and receive appeal data from Part D plan sponsors;
The right to receive notice when an appeal is forwarded to the IRE;
The right to a reconsideration by the IRE, upon request, if the plan sponsor upholds the original adverse determination in whole or in part;
The right to request an expedited reconsideration as provided in this sesction.
The right to an ALJ hearing if the IRE upholds the original adverse determination in whole or in part and the remaining amount in controversy meets the appropriate threshold requirement;
The right to request MAC review if the ALJ hearing decision is unfavorable to the enrollee in whole or in part
The right to judicial review of the hearing decision if the ALJ hearing and/or MAC review is unfavorable to the enrollee, in whole or in part, and the amount remaining in controversy meets the appropriate threshold requirement
The right to request and be given timely access to the enrollee’s case file and a copy of that case file subject to federal and state law regarding confidentiality of patient information. The Part D plan sponsor shall have the right to charge the enrollee a reasonable amount for providing a copy of the case file (e.g., the costs of mailing and/or an amount comparable to the charges established by a QIO for duplicating the case file material. At the time the request for case file material is made, the Part D plan sponsor should inform the enrollee of the per page duplicating cost. Based on the extent of the case file material requested, the Part D plan sponsor should provide an estimate of the total duplicating cost for which the enrollee will be responsible. The Part D plan sponsor may also charge the enrollee the cost of mailing the material to the address specified. If enrollee case files are stored offsite, then the Part D plan sponsor may not charge the enrollee an additional cost for courier delivery to a plan location that would be over and above the cost of mailing the material to the enrollee.
An enrollee may have a representative who is either appointed by the enrollee or authorized under State or other applicable law to act on behalf of the enrollee in filing a grievance, requesting a coverage determination, or in dealing with any of the levels of the appeals process. An enrollee may appoint any individual (such as a relative, friend, advocate, attorney, physician or other prescriber, or an employee of a pharmacy, charity, state pharmaceutical assistance program, or other secondary payor) to act as his or her representative. Alternatively, an enrollee’s representative (surrogate) may be appointed by a court or authorized under State or other applicable law to act on the enrollee’s behalf. A surrogate could include, but is not limited to, a court appointed guardian, an individual who has Durable Power of Attorney or a health care proxy, or a person designated under a health care consent statute.
Note: With the exception of incapacitated or legally incompetent enrollees where appropriate legal papers, or other legal authority, support this representation, or where a state’s authorized representative rules require otherwise, both the enrollee making the appointment and the representative accepting the appointment must sign, date, and complete an appointment of representative form or similar written statement.
If an enrollee wishes to appoint a representative to act on his or her behalf, the enrollee must submit a written representative statement to the Part D plan sponsor. An enrollee may use Form CMS-1696 (Appointment Of Representative) or an equivalent written notice to make the appointment. A notice is an "equivalent written notice" if it:
Includes the name, address, and telephone number of enrollee;
Includes the enrollee’s HICN;
Includes the name, address, and telephone number of the individual being appointed;
Contains a statement that the enrollee is authorizing the representative to act on his or her behalf for the claim(s) at issue, and a statement authorizing disclosure of individually identifying information to the representative;
Is signed and dated by the enrollee making the appointment; and
Is signed and dated by the individual being appointed as representative, and is accompanied by a statement that the individual accepts the appointment
See Sesction 29, §270.1.3, of the Medicare Claims Processing Manual for more information about whether a notice is an "equivalent written notice."
A surrogate asserting that he or she is acting in accordance with a state’s authorized representative requirements must include a statement verifying his or her status under State law in the same manner that an appointed representative must submit a valid Form CMS-1696 or other equivalent notice. The Part D plan sponsor is responsible for determining whether a person or entity who asserts surrogate status is an appropriate surrogate under state law. If a surrogate submits the statement described above and the plan sponsor determines that the surrogate is acting in accordance with a state’s authorized representative requirements, the plan sponsor or other appeal entity cannot also require the authorized representative to submit an additional Form CMS-1696 or other equivalent notice. The plan sponsor must submit an attestation to the IRE certifying the validity of the representation under state law if the IRE requests an enrollee’s case file.
A signed Form CMS-1696 or other equivalent notice must be included with each oral or written request for a grievance, coverage determination, or appeal. However, once a signed form or statement has been submitted, the enrollee is not required to obtain a new signed form or statement for the life of an appeal, so long as a copy of the original signed form or statement is included in the enrollee’s case file or is submitted with each appeal request. In addition, an enrollee is not required to obtain a new signed form or statement for any new appeal filed by the representative within one calendar year from the date that a valid representative form is executed. However, the representative must file a copy of the original form or other conforming written instrument with each new request for a grievance or coverage determination.
Except in the case of incapacitated or incompetent enrollees, a grievance or a request for a coverage determination or redetermination from a representative is not valid until supported with an executed appointment of representative form or statement. It is the Part D plan sponsor’s obligation to inform the enrollee and purported representative, in writing, that the grievance or request will not be considered until the appropriate documentation is provided.
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For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
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Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year.
Our PDP-Compare.com and MA-Compare.com provide highlights of annual plan benefit changes.
The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
Limitations, copayments, and restrictions may apply.
We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area.
However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service
area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048),
24 hours a day/7 days a week or consult www.medicare.gov.
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.
You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
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.
Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare.
Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits
money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible.
The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
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
Beneficiaries can appoint a representative by submitting CMS Form-1696.