Questions and Answers
Updated 2026
Mr.BZachowBhasBaBconditionBforBwhichBthreeBdrugsBareBavailable.BHeBhasBtriedBtwoB
butBhadBanBallergicBreactionBtoBthem.BOnlyBtheBthirdBdrugBworksBforBhimBandBitBisB
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ormBonBtheBplan'sBwebsite,BfillBitBout,BandBsubmitBitBtoBhisBplan.
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BbeBableBtoBvisitBoneBorBtwoBdoctorsBwhoBaren'tBparticipatingBproviders.BHeBwantsB
toBknowBifBtheBPointBofBServiceB(POS)BoptionBavailableBwithBsomeBHMOsBwillBbeBof
BanyBhelpBinBthisBsituation.BWhatBshouldByouBtellBhim?B-
BAnswerBTheBPOSBoptionBmightBbeBaBgoodBsolutionBforBhimBasBitBwillBallowBhimBto
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networkBproviders,BgenerallyBwithoutBpriorBapproval.BHowever,BheBshouldBbeBawareBt
hatBitBisBlikelyBheBwillBhaveBtoBpayBhigherBcost-sharingBforBservicesBfromBout-of-
networkBproviders.
Mr.BBarkerBhadBsurgeryBrecentlyBandBexpectedBthatBheBwouldBhaveBcertainBservicesB
andBitemsBcoveredBbyBtheBplanBwithBminimalBout-of-pocketBcostsBbecauseBhisBMA-
PDBcoverageBhasBbeenBveryBgood.BHowever,BwhenBheBreceivedBtheBbill,BheBwasBsurp
risedBtoBseeBlargeBchargesBinBexcessBofBhisBmaximumBout-of-
pocketBlimitBthatBincludedBaBnumberBofBservicesBandBitemsBheBthoughtBwouldBbeBfu
llyBcovered.BHeBcalledByouBtoBaskBwhatBheBcouldBdo?BWhatBcouldByouBtellBhim?B-
BAnswerBYouBcanBofferBtoBreviewBtheBplansBappealBprocessBtoBhelpBhimBaskBtheBpla
nBtoBreviewBtheBcoverageBdecision.
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enrolledBinBandBisBinterestedBinBthatBproduct.BSheBwantsBtoBbeBsureBsheBalsoBhasBc
overageBforBprescriptionBdrugs.BWouldBsheBbeBableBtoBobtainBdrugBcoverageBifBsheB
enrolledBinBtheBSNP?B-
, BAnswerBa.BYes.BAllBSNPsBareBrequiredBtoBprovideBPartBDBcoverageBforBprescriptionB
drugs.
b.BYes,BbutBonlyBifBsheBqualifiesBforBPartBDBprescriptionBdrugBcoverageBunderBherBst
ateBMedicaidBprogram.
c.BNo.BMedicareBbeneficiariesBwhoBenrollBinBanBSNPBmustBalwaysBobtainBtheirBdrugB
coverageBthroughBaBstand-
aloneBPartBDBMedicareBprescriptionBdrugBplanBthatBtheyBsignBupBforBindependentBof
BtheirBenrollmentBinBtheBSNP.
d.BMaybe.BSomeBSNPsBofferBPartBDBcoverageBforBprescriptionBdrugsBandBsomeBdoBn
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argeBofBBestCare'sBeffortsBtoBfacilitateBelectronicBenrollmentBinBitsBMedicareBAdvanta
geBplans.BInBsettingBupBtheBenrollmentBsite,BwhichBofBtheBfollowingBmustBPhionaBco
nsider?B-
BAnswerBII.BAllBdataBelementsBrequiredBtoBcompleteBanBenrollmentBrequestBmustBbe
Bcaptured.
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oBactivateBanB"EnrollBNow"BorB"IBAgree"BtypeBofBbuttonBorBtool.
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odsBtoBcontrolBtheBuseBofBspecificBdrugs.BSheBhasBheardBaboutBaBtechniqueBcalledB"
stepBtherapy"BandBisBwonderingBifByouBcanBexplainBwhatBthatBis.BWhatBshouldByouBt
ellBher?B-
BAnswerBStepBtherapyBinvolvesBusingBoneBorBmoreBlowerBpricedBdrugsBbeforeBtrying
BaBmoreBexpensiveBdrugBwhenBallBareBusedBtoBtreatBtheBsameBcondition.
Mr.BGomezBnotesBthatBaBPrivateBFee-for-
ServiceB(PFFS)BplanBavailableBinBhisBareaBhasBanBattractiveBpremium.BHeBwantsBtoBkn
owBifBheBmustBuseBdoctorsBinBaBnetworkBasBhisBcurrentBHMOBplanBrequiresBhimBto
Bdo.BWhatBshouldByouBtellBhim?B-
BAnswerBHeBmayBreceiveBhealthBcareBservicesBfromBANYBdoctorBallowedBtoBbillBMed
icare,BasBlongBasBheBshowsBtheBdoctorBtheBplan'sBidentificationBcardBandBtheBdoctor
BagreesBtoBacceptBtheBPFFSBplan'sBpaymentBtermsBandBconditions,BwhichBcouldBinclu
deBbalanceBbilling.