Expert Guide to Medicare Plan

Medicare Insurance Direct is contracted with Medicare for PDP plans, HMO and PPO plans in select states, and with select state Medicaid programs. Enrollment in these plans depend on contract renewal.

Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. You must continue to pay your Medicare Part B premium.

Out-of-network/non-contracted providers are under no obligation to treat members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services.

The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.

Medicare Advantage organizations and/or Medicare Part D plan sponsors comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex.

ATENCIÓN: Si habla espanol, hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al 1-888-685-5353 TTY:711 M-F 8am-8pm CST

請注意：如果您講，可免費向您提供語言協助服務。請致電 1-888-685-5353 (聽力語言殘障服務專線：711) M-F 8am-8pm CST.

This information is available for free in other languages. Please call our customer service number at 1-888-685-5353 TTY:711 M-F 8am-8pm CST

This information is not a complete description of benefits. Contact the plan for more information. Limitations, co-payments, and restrictions may apply. Benefits, premium and/or co-payments/co-insurance may change on January 1 of each year.

This is not a complete listing of plans available in your service area. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

A Private Fee-for-Service plan is not Medicare supplement insurance. Providers who do not contract with our plan are not required to see you except in an emergency.

Medicare beneficiaries may also enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.

Every year, Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.

You are not required to provide any health related information unless it will be used to determine enrollment eligibility.

Sales agents/producers may be compensated based on your enrollment in a health plan.

Not connected with or endorsed by the United States government or the federal Medicare program. The insurance services described on this web site are provided by Insuractive, Inc., a Nebraska resident insurance agency. Insuractive is also licensed as a non-resident insurance agency, or otherwise authorized to transact business as an insurance agency, in all states and the District of Columbia. Insuractive is contracted with and may receive compensation from the insurers listed above. This website, MedicareInsuranceDirect.com and Insuractive are not affiliated with Medicare or any Federal Agency. This website is not part of the Federal Government. For more information, please consult our Privacy Policy. Not all plans are available in all regions.