Put your mind at ease
Few things in life are as precious to us as our health. We know that before you trust your health care coverage to Providence Medicare Advantage Plans you want to know that we'll be here for you when you need us. These questions and answers explain Providence Medicare Advantage Plans and should help put your mind at ease.
Medicare coverage starts on your Medicare effective date. Your effective date is the first of the month in which you turn 65, unless your birthday is on the first of the month. If your 65th birthday is on the first of the month, Medicare will start on the first of the month that precedes your 65th birthday. For example:
- If you turn 65 on Aug. 15, your Medicare effective date will be Aug. 1.
- If you turn 65 on Aug. 1, your Medicare effective date will be July 1.
Medicare Part A provides coverage for inpatient services, such as a hospitalization or a stay in a skilled nursing facility.
Medicare Part B provides coverage for outpatient services, such as a visit to the doctor, lab work or emergency room care.
- If you collect Social Security at or before age 65, the Social Security Department will automatically enroll you in Medicare Parts A and B. You should receive your Medicare card from the Social Security Administration about three months before your 65th birthday.
- If you are celebrating your 65th birthday and are not collecting Social Security, or if you are losing group coverage, then you need to contact the Social Security office, www.ssa.gov or 1-800-772-1213, to enroll in Medicare Parts A and B.
You can enroll in a Providence Medicare Advantage plan if:
- You are entitled to Medicare Part A (hospital coverage) and enrolled in Medicare Part B (medical coverage);
- You live in a county where Providence Medicare Advantage Plans are offered
If you obtain routine care from out-of-network providers neither Medicare nor Providence Health Assurance will be responsible for the costs except in emergency or urgent care situations or for out-of-area renal dialysis. Some exceptions apply to members of Providence Medicare Flex + RX (HMO-POS) who choose to use their point-of-service benefit. Please contact plan for details or refer to the Summary of Benefits for your plan.
Members may enroll in a plan only during specific times of the year. Contact customer service for more information.
Providence Health Assurance's contract with CMS is renewed annually. The availability of coverage beyond the end of the current contract year is not guaranteed.
- Ask your physicians which Medicare Advantage Plans they accept. This is a good way to start because it narrows down the list of possibilities for you to research. If your physician doesn't accept Medicare, we can help you find one who does.
- Go to the websites of the health insurance companies on your list, and review information about premiums and coverage.
- Ask questions. You'll want answers that help you to do the following: understand how you'll use the plan, decide what is important to you, and evaluate premium and coverage options.
- Go to a community meeting, call to talk to a sales representative, or make an appointment to see a sales representative in person. Have a conversation, and keep asking questions until you have all the answers you need.
Absolutely. To help you get the health care you need, we ask that you build a relationship with one doctor who you feel comfortable with, a doctor you trust, a doctor who can get to know you and your health history.
We call this doctor your "primary care provider." To find out whether your current doctor is part of the Providence team, please view our provider directory, or call customer service at 503-574-5000, or 1-800-988-0088, TTY:711 (for the hearing impaired).
It depends. If you are covered on a retirement group plan, you probably need to enroll in Medicare Parts A and B. However, if you or your spouse is actively employed or are covered under group coverage, consider the size of the employer in determining whether or not to waive your Medicare Part B.
- If the employer is small (fewer than 20 employees), it may be in your best interest to enroll in Medicare Part B. Your employer assumes that you have enrolled; and if you don't have Part B, you will pay for the services that Part B would have covered. For example, if you see a physician and are charged $100, and your employer group's plan covers $20, you will owe $80 if you haven't signed up for Part B.
- If the employer is large (20 or more employees), ask questions to understand whether and how your employer's plan covers Part B services, and whether the plan is considered creditable coverage. "Creditable" means that the plan pays as much as or more than Part B would pay. If you don't have creditable coverage and you sign up for Part B after your initial election period, you will owe a penalty.
- We will send you your member ID and member guide. Please read these materials when you get them.
- Call us if you have special needs; we'd be glad to accommodate you.
- Note: This is only an overview of benefits from Providence Medicare Advantage plans. Please see the summary of benefits for more information or the member handbook/evidence of coverage for a complete explanation of benefits, limits, and exclusions.
- If you have other questions, please contact the Providence Medicare Advantage Plans sales team locally at 503-574-8403 or toll free at 1-855-210-1587. We are open Oct. 1 through Mar. 31, seven days a week, 8 a.m. to 8 p.m. (Pacific Time), and Apr. 1 through Sept. 30, Monday through Friday, 8 a.m. to 8 p.m. (Pacific Time).
Website is current as of 9/10/2020