SHINE Counselor Fall Training Preparing for Open Enrollment

1. SHINE Counselor Fall TrainingPreparing for Open Enrollment

2. Medicare Updates • Observation Status • Does NOT apply to Medicare Advantage Plans • Does NOT meet the Medicare requirement for SNF coverage • Beneficiaries must resolve any issues regarding observation status PRIOR to discharge from a hospital • Observation status issues cannot be resolved while in a SNF • The Medicare Advocacy Project continues to work with beneficiaries who were not covered for SNF stays due to observation status;please refer potential cases to MAP

3. Counseling Same-Sex Spouses • CMS and SSA view same-sex spouses the same as opposite- sex spouses • Laws have changed, some issues are still being worked out • Anyone eligible for benefits should apply

4. 2015 Medicare Plans

5. Choosing a Medigap No change in number of plans offering Medigaps New premiums BC/BS lowest cost for CORE and Supplement 1

6. Choosing a Medicare Advantage Plan • Check if doctors take plan and if drugs covered (use plan finder) • Compare premiums, co-pays, deductibles, and annual out-of-pocket maximums • Cannot enroll in an MA plan (HMO, PPO) and a stand-alone PDP • Selection of PDP will result in disenrollment from MA plan • New MA enrollment will result in automatic disenrollment from prior MA or PDP plan

7. Blue Cross/Blue Shield MA Plans • Existing Plans • Premiumincreases: HMO Blue Plus Rx& PPO Blue Plus Rx • Hospital Co-pays higher • Increases in lab, high tech imaging & outpatient services • Available in all counties except Dukes & Nantucket, Berkshires • For PPO’s • Check to see if providers will accept plan (if not, may be subject to filing claims and paying a higher rate) • Dental can be purchased by anyone over 65

8. Fallon Senior Plans • Existing Plans • Super Saver Rx premium staying at $0 • Preferred pharmacies: CVS, Target, Walmart • Premium increases for all other plans • Inpatient hospital and skilled nursing costs changing • Higher co-pays for out-of-network care • Not all services covered out-of-network • Out of Pocket max. higher on most plans

9. Harvard Pilgrim • Two Plans: Stride HMO Value Rx and Stride Value Rx Plus • New Plan=Stride HMO Value Rx • Available in Bristol, Norfolk, Suffolk, and Worcester counties only • $46 premium, $3,400 annual out-of-pocket maximum

10. Health New England • Changes in Existing Plans • Premium increases in most plans • Service area remains Berkshire, Franklin, Hampden, and Hampshire counties • Hartford County Connecticut in network • Baystate Medical Center in network

11. Tufts Medicare Preferred • Existing Plans • Premium and co-pay increases for most plans • $0 premium plan • Out of pocket $3400

12. UnitedHealthCare • Existing Plans • AARP Complete Choice Regional PPO • Still available in every county • Premium and out-of-network co-insurance increased • HMO plans going to PCP based model with referrals required • No referrals needed in PPO • Split deductible in tiers 3-4 • New HMO Plans • AARP Medicare Complete new to Bristol County

13. Special Needs Plans • Types of Special Needs Plans • Dual- Eligible (Medicare and Medicaid) • Institutional (Must reside in LTC Facility) • Network Health is now called Tufts Health Plan-Network Health

14. Health Safety Net Reminders Income 0-200% FPL – extensive benefits Income at 200-400% FPL partial assistance Could provide additional hospital coverage for individuals enrolled in Original Medicare, Core Medigap, or Medicare Advantage May pay for medical services at hospital or Community Health Center Does NOT pay for SNF costs

15. Part D Standard Benefit * In 2015, after $2,960 in retail costs, the beneficiary pays 45% of brand name drug costs and 65% of generic drug costs until total out-of-pocket costs equal $4,700

16. Extra Help (LIS) • 5 PDP plans with $0 premium for LIS members: • Aetna Medicare Rx Saver • AARP MedicareRx Saver Plus • Humana Preferred Rx Plan • WellCare Classic • Silverscript Choice

17. LIS Member Reassignment CMS will first attempt to transfer to other plans below benchmark within same organization as member’s current plan If none available, CMS will randomly reassign to plan offered by another organization CMS will start making reassignments in mid-October Affected members will be sent a BLUE letter in early November

18. LIS Choosers • Members who chose to be in their current plan (not auto-enrolled): • Will be notified if the plan’s premium goes above the benchmark • Will be given a list of plans available for $0 premium • Will not be automatically reassigned • CMS will mail out TAN lettersin early November

19. Discontinued PDP Plans • Members of discontinued plans received notification by October 2nd • Notification explains options: • List of alternative Medicare Advantage or Prescription Drug Plans and phone numbers • Information on Original Medicare, Medigap, Extra Help, and Medicaid • Contact information for Medicare & SHINE

20. Discontinued PDP Plans • Terminated plans offering NO auto-assignment, SEP available until end of February: • HealthMarkets Value Rx • UnicareMedicareRx Rewards Standard • Plans auto-assigning members to new plans: • AARP MedicareRx Enhanced • First Health Part D Essentials • Cigna-HealthSpring Rx-Reg 2 • SilverscriptChoice • SmartDRx Plus

21. Auto-Assignment for Discontinued PDP Plans

22. New PDP for 2015 • United American Essential • 27 plans available in 2015 • Down from 33 in 2014

23. Same Plan, New Name

24. Sanctioned Plans • Smart D Rx Saver • Plans remain under CMS sanction • Beneficiaries currently enrolled should not be affected by the sanctions • Must do personalized search to compare plans with 2015 options

25. Preferred Pharmacy Pricing • Many PDPs continue to offer preferred cost sharing at select pharmacies in 2015 • Refer to updated Preferred Pharmacy Chart • Pricing can vary dramatically between pharmacies • Important for beneficiaries to do 2 pharmacy comparisons for preferred pharmacy pricing options

26. SEPs Available After December 7th • Plan is terminating • Special Enrollment Period (SEP): Dec 8th – Feb 28th • Prescription Advantage members • One SEP each calendar year • If used in December, counted for 2015 SEP • Extra Help beneficiaries and dual-eligibles • Continuous SEP • Loss of Extra Help on 1/1/2015 • SEP Until March 31st • 5 Star Plan SEP • Low Performing Medicare Plan • Call 1-800-Medicare • Medicare Advantage Disenrollment Period • Jan 1st – Feb 14th

27. 5 Star SEP • 2015 plan star ratings will be available on Medicare.gov around October 19th • Ratings based on: • Customer service, complaints & member experience • Drug pricing and patient safety • Health screenings and management of chronic conditions • SEP December 8th– November 30th • Allows beneficiary to enroll or switch into 5 star plan • One time each year • If Medicare Advantage plan, must meet eligibility criteria to enroll

28. Medicare Advantage Disenrollment Period (MADP) Beneficiaries can disenroll from Medicare Advantage plan and return to Original Medicare from January 1st - February 14th Does not allow beneficiaries to switch to another MA Plan or switch from Original Medicare to a MA Plan Beneficiaries who switch to Original Medicare will have a SEP to join a PDP from Jan 1st – Feb 14th

29. Medicare Plan FinderUpdates and Tipsfor Open Enrollment

30. Medicare.gov Home Page Update 3 green buttons replace the 2 yellow buttons. The blue button that took the user to the MyMedicare login page has been removed-users can go to MyMedicare through the link at the top right corner

31. Choosing a PDP or MA-PD • Do a personalized search • If alerted that website is not secure when attempting personalized search; • Ask beneficiary if they feel comfortable to continue despite alert • If not, consider doing a general search • Enter drugs accurately • Pharmacy selection is important • Check for Prescription Advantage eligibility

32. Prescription Advantage • Prescription Advantage Categories • S1: Most beneficial for those in it • S2-S4: Helps when beneficiaries hit the donut hole; provides fixed low co-pays • S5: $200 enrollment fee; may be worth it for some • 1x yearly SEP available to ALL categories • Online application now available • www.prescriptionadvantagema.org

33. Suppressed vs. Sanctioned Plans • Suppressed drug plans • Have submitted inaccurate drug pricing to CMS • These plans appear at the bottom of the Results Page of the Plan Finder and do not display accurate costs • Sanctioned drug plans • Have failed to remain in compliance with CMS standards and practices • These plans WON’T appear in the Plan Finder

34. My Current Profile Box Displays dates for Current Coverage and Current Subsidy. If possible, always do a Personalized Search.

35. Add, Change or Remove Drug Doses______________________________________________________________________ Refresh page after making changes Add, change dose, remove drugs at this tab rather than going back to beginning Buttons added to drug list section of Plan Comparison and Plan Details pages on drug costs & coverage tab

36. Pharmacy Language Updates The previous pharmacy status “Network” has been changed to “Standard Cost-Sharing” The old pharmacy status “Preferred-Network” has been changed to “Preferred Cost-Sharing”

37. Retail or Mail Order Enter month quantity at retail pharmacy (default) when possible

38. Printable Plan Report

39. Don’t forget you can customize your report when printing

40. Email Functionality Removed Removed due to security issues

41. Improved Enrollment Safeguard Occasionally, when an enrollment is submitted, the confirmation page is not displayed because an error occurred. This pop up window will inform you if the application was in fact received by Medicare and will indicate the enrollment confirmation number

42. Remember to Click on Watermark When Enrolling Beneficiaries Click here on Watermark Enter your SHINE office phone number here

43. Remember! Always use Plan Finder unless client takes no drugs! Write down Drug ID and Password after entering first drug (in case system goes down) Check plans for Restrictions (Prior Authorization, Quantity Limits, Step Therapy) Use Medicare Plan Finder Guide in your folder to ensure you are following all the necessary steps when performing drug plan searches Print Confirmation page on Plan Finder with “Ctrl P” keys

44. Medicare Improvements for Patients and Providers Act (MIPPA) • Screen beneficiaries for: • Extra Help • Medicare Savings Programs (Buy-In Programs) • Prescription Advantage • Remind beneficiaries about: • Preventive benefits offered by Medicare Part B MIPPA Brochure available on SHINE counselor website

45. One Care Updates

46. One Care: Medicare + MassHealth NOT available in all counties Health insurance plan combines Medicare and Medicaid payments and services like a SCO but with additional features For dual-eligibles between the aged of 21-64 Person-centered model providing full range of acute, behavioral health, and long term supports and services Designed to coordinate care and provide higher quality, more cost-effective care with improved health outcomes

47. One Care Updates • Entering second year of three year demonstration project • 8/28/14 - Final mailing sent out • As of 9/1/14 - 17,739 enrolled statewide out of 95,140 eligible • One Care on Medicare website may not always be accurate

48. Role of SHINE Counselor • Assist eligible beneficiaries to understand One Care, review choices, check provider networks, check drug formularies and describe the enrollment process • Same process as for Medicare Advantage • Complete the client contact form, including new data fields, as required by CMS

49. How to Search One Care Plans Step 4 of 4: Refine Your Plan Results 1 1. Select Medicare Health Plans with Drug Coverage 2. In the left column, click the + by “Select Special Needs Plans” to display available options 3. Check the first box that says “plans for people who are eligible for both Medicare and Medicaid” 4. Click Update Plan Results and Continue to Plan Results 2 4 3

50. One Care Plans One Care Plans will indicate (Medicare – Medicaid) next to the plan name. This designation should help you distinguish from other types of SNPs such as SCO Plans.