Medicare Advantage Plans

Help Someone Enroll

Assisting an Eligible Parent, Family Member, or Friend

If a Medicare-eligible parent, family member, friend, or loved one is considering a Medicare Advantage plan, and intends to ask you for help enrolling, you may need to understand the enrollment process. In most cases, Medicare Advantage plan coverage starts on the first day of the month after CarePlus receives the completed Enrollment Application. For people who enroll in a Medicare Advantage plan during the Medicare Advantage and Prescription Drug Plan Annual Enrollment Period (October 15 - December 7 every calendar year), coverage becomes effective on January 1.

Your goal is to help evaluate plan options, decide on coverage needs, choose the right plan for the beneficiary, and aid your parent or loved one in the enrollment process. Allow adequate time to make the right coverage decision. Be patient and flexible as you find your way through the process.

If you would like to complete an application on behalf of someone else, we are required to verify that you are certified under state law with a “Durable Power of Attorney for Health Care,” “Healthcare Power of Attorney,” or other legal authority to act on behalf of the person interested in enrolling.

Comparing Plans

If you are helping someone enroll who is on a budget or a fixed income, you may want to consider a Medicare Advantage plan. Medicare Advantage plans typically include drug coverage and fixed copayments, which can help you estimate monthly costs. CarePlus offers Medicare Advantage plans.

As you look at different plans, ask these questions:

  1. How much is the monthly premium?
  2. How much is the deductible for different services?
  3. How much are the copayments?
  4. What is and isn’t covered?
  5. What physicians can a member visit?

Helpful Information

When helping someone enroll in a Medicare Advantage plan, you should have information about any drugs the person takes, including generic and brand names, dosage, how often the person takes his or her drug(s), and where he or she fills prescriptions. Having this information will help you identify cost-saving opportunities, as you research plan options.

If the person you are helping to enroll in a Medicare Advantage plan will choose a primary care physician (PCP) from a defined network of providers, then a CarePlus Medicare Advantage plan may be a good fit. Our members can select a PCP from our list of in-network providers who offer services in the areas where we provide coverage.

Make sure the person you are helping doesn't already have a prescription drug plan as good as a plan you can get through Medicare, an employer, or other health insurance plan; otherwise the Medicare beneficiary may automatically lose that other coverage after enrolling in a Medicare Advantage Prescription Drug plan. Ask about any current monthly plan premium and if a third-party, such as an employer or Medicaid, pays part of the premium.

People who are new to Medicare and/or are turning 65 have many decisions to make about health benefits. We recommend bringing together everyone who will be involved in the decision-making process, when helping someone enroll in a Medicare Advantage plan. Explain the purpose of getting together; share what you have learned; and, most importantly, ask questions. We make information available about our Medicare Advantage plan options, when to enroll, Medicare basics, and more.