The term "constellation Medicare plan" is not a commonly used or specific term in the realm of healthcare. It is possible that it could be a reference to a particular Medicare Advantage plan offered by a company named Constellation, but without further context, it is difficult to provide specific information. It is recommended to seek out more detailed information or clarification on the specific plan being referred to.
Constellaiton Medicare Advantage Plan is administered by Constellation HMO. The main office is located in Chicago, Illinois, but they offer coverage in many areas throughout the United States. You can contact them for the nearest location to you.
The answer depends on what type of Aetna Medicare Plan you have. If you have an Aetna Medicare Supplemental Plan, then Original Medicare pays first and the Aetna plan pays secondary If you have an Aetna Medicare Advantage HMO Plan, then the Aetna plan will always be primary as Medicare has assigned the benefits over to Aetna for processing and administration.
If you are covered under your husband's plan and he is working, his plan is primary to Medicare. If you are not covered under your husband's plan, Medicare is primary.
large group health plan
There is no one best Medicare Advantage plan for everyone. You must decide which plan is best for you based on your location, cost of plan, etc.
Yes; by definition, Medicare supplemental insurance "supplements" Medicare A & B.
Prescription plans can be used as a supplement to Medicare. There are medications that are not covered by medicare that a prescription plan can be used as an alternative way to receive them.
If you have a Medicare Supplement then the provider will bill Original Medicare first. At that time Medicare will pay the allowable amount and then return an explanation of benefits stating the beneficiary's portion. Based on the Medicare Supplement Plan that is in place (A-N) the Medicare Supplement will pay a portion or all of the remaining amount due. If they pay only a portion based on the plan (A-N), then according the plan guidelines, the beneficiary would pay any outstanding amount at that time. If a Medicare beneficiary is covered on a employer or retiree group plan and due to the size of the plan, the group plan is primary, then the group plan benefits will apply first and any amounts due by the Beneficiary will be billed to Medicare second. If it is a Medicare covered service, then Medicare will pay the remaining amount due as the secondary payor up to the amount allowed by Medicare. If the service is not allowed by Medicare, than the beneficiary's co-insurance or co-payment under the group plan would be their responsibility.
The Humana Gold Choice insurance plan is a Medicare Advantage plan, which typically offers additional benefits beyond Original Medicare, such as vision, dental, and prescription drug coverage. In comparison, a standard Medicare Supplement plan, also known as Medigap, only helps cover the costs that Original Medicare doesn't, such as copayments, coinsurance, and deductibles. While the Humana Gold Choice plan may offer more comprehensive coverage in terms of additional benefits, it may also have network restrictions and potentially higher out-of-pocket costs compared to a Medicare Supplement plan.
With Medicare, you are on your own plan individually. Your wife, when eligible, would be on her own plan and not added to your existing plan.
You can choose to join a Medicare Advantage Plan (like an HMO or PPO), and the plan may include Medicare prescription drug coverage. In most cases, you must take the drug coverage that comes with the Medicare Advantage Plan.
If you are eligible for Medicare, you may want to look into a Medicare Advantage Plan. This is a plan administered by a private insurance company who has a contract with Medicare. They must offer everything Medicare offers, but most Advantage plans offer above and beyond what Medicare allows. Each Advantage plan is different, it is definitely worth looking into if you feel you have needs that Medicare won't meet adequately.