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Enrollment Assistant: A Few Tips

 Some people find that applying for Medicare Part D prescription drug coverage is not so easy. The Part D application is only few pages long, but there are some common mistakes that can keep you from receiving your Medicare Part D plan coverage. To help you with the completion of your application, we have added a few tips to avoid any problems - before they arise.

Each Medicare Part D enrollment form is different however they all contain eight (8) sections. Unfortunately the sections are not always in the same order. In this enrollment assistant, we will help you identify the sections of the enrollment form and the information that should go in each section and point out some common mistakes.

It should go without saying....Write as neat as possible! the biggest mistakes are the misinterpretation of handwriting!

Click on a section link below or browse through all sections:


Plan Selection

This section of the Medicare Part D enrollment form usually is the very first section and is sometimes started with the title: "Please Provide the Following Information" Clearly mark which plan you would like to enroll in, by filling in the entire square next to the plan name. A few enrollment forms also require that you enter the price of the plan and/or the plan id.

Note: Both can be found through our PDP-Finder. Just select your state and enter the partial plan name such as Cigna in PDP-Finder and you will be shown the Plan ID and Premium along with other plan details.




Personal Information

This section of the enrollment form is sometimes started with the title:
"Please Provide the Following Information" It is very important that you enter the information in this section clearly and accurately. The phone number is critical because if there is a problem with your application, the insurance company will need a fast way to get in touch with you. The date of birth must match what is on file with Medicare and Social Security.

Common Mistake: If the date of birth does not match what is on file with Medicare, you application will be denied for incorrect information!

Be sure to enter both your email address (becoming just as important as your phone number) and the information for an Emergency Contact.




Medicare Insurance Information

Many common mistakes occur in this section of the application!

 It is critical that you copy the information from your Red, White, and Blue Medicare Card accurately and clearly. Please double - and triple check the accuracy.

Common Mistake: If any of the information in this section does not match what is on file with Medicare, you application will be denied for incorrect information!





Paying Your Plan Premium

In this section, you select how you would like to pay your Medicare Part D plan premium.

Remember: The U.S. Department of Health & Human Services says, "It generally takes about two months from the time your Medicare drug plan submits the request for the premium deduction to start [before the payments are withdrawn]. This means that most of the time, the first time premiums are withheld from your Social Security benefit, two monthly premium payments will be withheld at the same time. Social Security will deduct only the cost of one monthly premium payment from your monthly Social Security benefit after that."

Note: we have had clients say that it has taken sometimes up to six months for the payments to be deducted.




Coordination of Benefits - "Please Answer the Following Questions"

This very important sections is sometimes entitled: "Please Answer the Following Questions" This section tries to determine if you have other coverage which must be coordinated with your prescription drug coverage.

Please read and answer the questions very carefully.

Common Problem: If you currently have an employer plan that will end soon and you are attempting to enroll in a plan that will start as soon as your employer plan ends, the questions in this section can be a bit tricky. You must keep in mind that Medicare is trying to make sure that you do not loose your employer coverage by enrolling in a Prescription Drug Plan. So if the question is stated as: " At the time of enrollment will you or your spouse (if married) have group health coverage? YES / NO The answer would be NO. the "time of enrollment" is not right now as you are filling out the enrollment form. The "time of enrollment" is the date on which the new plan will take effect. This is generally the first day of the month after you enroll (unless you are just turning 65 and enroll during the three months prior to your eligibility month -- then your plan will start the first day of the month of your eligibility).





STOP - Please Read This Important Information

This section makes you aware of the fact that if you already have coverage through an employer plan or Medicare Advantage plans such as an HMO or PPO, you may loose your current coverage if you enroll in a Medicare Part D Plan.




Please Read and Sign Below

Most of the enrollment forms simply have you read the disclaimer and sign at the bottom. The WellCare enrollment form wants you to initial next to each point and sign at the bottom. Please read carefully. Do not forget to sign and date the disclaimer.

If a representative is completing the enrollment form for the beneficiary, be sure to complete the section for the representative. You must have a Medical Power of Attorney to sign for the beneficiary. Some, but not all, enrollment form require that you send the Medical Power of Attorney along with the enrollment form.





Information to Determine Enrollment Periods

This section only appears in a few of the enrollment forms. Please read the options and select the box that be meets your situation.

Common Mistake: Medicare will deny your application if you select the wrong enrollment period. This section is VERY important. On the applications that do not have this section, your insurance agent or the insurance carrier determine which enrollment period is appropriate by the information and answers you have entered on the enrollment form.




Medicare Prescription Drug Plan Use Only / Producer Use Only

You do not need to enter any information in this section. However it contains valuable information! In this section, you will find the name, phone number and sometimes email address for the insurance agent responsible for your application. You can contact this person should you need to.




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Tips & Disclaimers
  • Q1Medicare®, Q1Rx®, and Q1Group® are registered Service Marks of Q1Group LLC and may not be used in any advertising, publicity, or for commercial purposes without the express authorization of Q1Group.
  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
  • Medicare has neither reviewed nor endorsed the information on our site.
  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. 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.
  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.
  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDPCompare.com and MACompare.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.
    Statement required by Medicare:
    "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.
  • 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 medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.
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