How do I choose a plan?
Choosing a health plan is not as easy as it once was. Of course, the costs, coverage, and out-of-pocket maximum are important, but just as important are the doctors and hospitals covered in the provider network and the plan’s quality ratings. So, before you enroll in a plan, make sure you’re not trading quality, service, and the doctors and hospitals you trust for premiums and copayments that seem too good to be true. Learn more
Who is eligible to enroll?
For Medicare Advantage (MA and MA-PD) plans
Rewards (HMO), Value (HMO), Classic (HMO-POS), Platinum (HMO), Secure (HMO), Employer Group plans (HMO and HMO-POS)
To be eligible to enroll, you must:
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To be eligible for our plans, you must live in our service area (Brevard County and Indian River County in Florida), and
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be entitled to Medicare Part A and enrolled in Medicare Part B, and continue to pay your Part B premium unless otherwise paid for under Medicaid or another third party.
Also, if you have End-Stage Renal Disease (ESRD), you are not eligible to enroll except under certain circumstances.
Once we verify your eligibility with Medicare, your coverage will become effective the first day of the month after we receive your enrollment form.
For Prescription Drug (PDP) plans
Essential (PDP) and Prime (PDP)
To be eligible to enroll, you must:
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To be eligible for our plans, you must live in our service area, which is Florida, and
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be entitled to Medicare Part A and enrolled in Medicare Part B, and continue to pay your Part B premium unless otherwise paid for under Medicaid or another third party.
Once we verify your eligibility with Medicare, your coverage will become effective the first day of the month after we receive your enrollment form.
When can I enroll?
The Annual Enrollment Period for 2013 coverage was from October 15 – December 7, 2012. For most people, this was the only time they can choose their Medicare Advantage plan for 2013, unless they qualify for a special election period. Some of the reasons that may qualify you for a special election period include:
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You can enroll when you first become eligible for Medicare (3 months before you turn age 65 to 3 months after the month you turn age 65).
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If you receive Medicare due to a disability, you can join during the 3 months before to 3 months after your 25th month of disability.
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If you move into an area where your previous coverage is no longer available, you may choose a new plan in your new service area.
- If you have both Medicare and Medicaid.
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If you qualify for "extra help."
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If you live in an institution.
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Other special circumstances (such as losing employer group coverage).
Please contact customer service for more information.
Can I change my coverage?
With recent changes from Medicare and healthcare reform, you cannot change to a different Medicare Advantage plan after December 7, 2012, but you may disenroll from your plan between January 1 and February 14, 2013. If you disenroll from your current Medicare Advantage plan during this time, you will return to Original Medicare—and if your current plan includes Part D prescription coverage, Medicare will require you to choose a stand-alone Part D plan (this is also called a PDP).
There are also special situations that may qualify you to change your coverage during other times of the year (for example moving to another area), so please contact customer service for more information.
 Medicare Advantage disenrollment form
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