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Plans Must Follow Rules


Medicare plans and agents must follow certain rules when marketing their plans and getting your enrollment information. They can't ask you for a credit card or banking information over the phone or via email unless you're already a member of that plan. Medicare plans can't enroll you into a plan over the phone unless you call them and ask to enroll, or you've given them permission to contact you.

Call 1-800-MEDICARE to report any plans or agents that:
  • Ask for your personal information over the phone or email
  • Call to enroll you in a plan
  • Use false information to mislead you
You can call the Medicare Drug Integrity Contractor (MEDIC) at 1-877-SAFERX (1-877-772-3379). The MEDIC fights fraud, waste, and abuse in Medicare Advantage (Part C) and Medicare Prescription Drug (Part D) Programs.


Fighting fraud can pay
You may get a reward if you help us fight fraud and meet certain conditions. For more information, visit Medicare.gov, or call 1-800-MEDICARE, TTY users can call 1-877-486-2048.


Investigating fraud takes time
Every tip counts. Medicare takes all reports of suspected fraud seriously. When you report fraud, you may not hear an outcome right away. It takes time to investigate your report and build a case, but rest assured that your information is helping us protect Medicare.


What's the Medicare Beneficiary Ombudsman?
An "ombudsman" is a person who reviews questions, concerns, and challenges with how a program is administered and helps to resolve them when possible. 

There are several resources to get answers to your Medicare questions and get assistance with your Medicare, like Medicare.gov, 1-800-MEDICARE and State Health Insurance Assistance Program (SHIPs). The Medicare Beneficiary Ombudsman works closely with those resources and Medicare to help make sure information and assistance are available for you and work to improve your experience with Medicare.

Visit Medicare.gov for information on how the Medicare Beneficiary Ombudsman can help you.


CMS Accessible Communications
To help ensure people with disabilities have an equal opportunity to participate in our services, activities, programs, and other benefits, we provide communications in accessible formats. 

The Centers for Medicare & Medicaid Services (CMS) provides free auxiliary aids and services, including information in accessible formats like Braille, large print, data/audio files, relay services and TTY communications. If you request information in an accessible format from CMS, you won't be disadvantaged by any additional time necessary to provide it. This means you'll get extra time to take any action if there's a delay in fulfilling your request.

To request Medicare or marketplace information in an accessible format you can:
  • Call us: For Medicare, 1-800-MEDICARE; TTY: 1-877-486-2048
  • Email us: altformatrequest@cms.hhs.gov
  • Send us a fax: 1-844-530-3676
  • Send us a letter:  
               Centers for Medicare & Medicaid Services
               Offices of Hearings and Inquiries (OHI)
               7500 Security Boulevard, Mail Stop S1-13-25
               Baltimore, MD 21244-1850
               Attn: Customer Accessibility Resource Staff

Your request should include your name, phone number, type of information you need (if known), and the mailing address where we should send the materials. We may contact you for additional information.

Note: If you're enrolled in a Medicare Advantage Plan or Medicare Prescription Drug Plan, contact your plan to request its information in an accessible format. For Medicaid, contact your State or local Medicaid office.


Nondiscrimination Notice
The Centers for Medicare & Medicaid Services (CMS) doesn't exclude, deny benefits to, or otherwise discriminate against any person on the basis of race, color, national origin, disability, sex, or age in admission to, participation in, or receipt of the services and benefits under any of its programs and activities, whether carried out by CMS directly or through a contractor or any other entity with which CMS arranges to carry out its programs and activities.

You can contact CMS in any of the ways included in this notice if you have any concerns about getting information in a format that you can use.

You may also file a complaint if you think you've been subjected to discrimination in a CMS program or activity, including experiencing issues with getting information in an accessible format from any Medicare Advantage Plan, Medicare Prescription Drug Plan, State or local Medicaid Office, or Marketplace Qualified Health Plans. 


There are three ways to file a complaint with the U.S. Department of Health and Human Services, Office for Civil Rights:
          Office for Civil Rights
          The U.S. Department of Health and Human Services
          200 Independence Avenue, SW
          Room 509F, HHH Building
          Washington, D.C. 20201


          




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Medicare Part D Costs for 2020

Before 2006, Medicare did not cover prescription medications. There was a limited number of medications that were offered under Medicare Part Band,  and otherwise, you had to pay for your medications out of pocket. In 2003, everything had changed when President George W. Bush passed the Medicare Prescription Drug, Improvement, and Modernization Act (MMA). This is what we now know of as  Medicare Part D , an optional part of Medicare that provides prescription drug coverage. Part D plans are run by private insurance companies and not by the government. However, the federal government sets guidelines on what basic medications are covered and how much you can be charged.  A deductible is the amount of money you spend out of pocket before your prescription drug benefits begin. Your plan may or may not have a deductible. The maximum deductible a plan can charge for 2020 is set at $435. It has increased by  $20 from 2019. Part D
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Benefit Period

The benefit period is the length of time during which a benefit is paid. It   measures your use of  inpatient  hospital and  skilled nursing facility (SNF)  services. This  begins the day you are admitted as an inpatient, or to an SNF, and ends the day you have been out of the hospital or SNF for 60 days in a row. After you meet your  deductible ,  Original  Medicare  will pay in full for days 1 to 60 that you are in a hospital. The remaining days, 61-90 , you will have to pay a  daily coinsurance. If your 90 days of hospital coverage has been consumed but you need to stay longer, Medicare covers up to 60 additional lifetime reserve days and yo u will also have to pay a daily  coinsurance . These days are nonrenewable , meaning you will not get them back when you become eligible for another benefit period. If you run out of days during your benefit period, Medicare will stop paying for your in-patient related hospital costs such as room and board.  To be eligible for a new b
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Comparing Health Care Providers

How do I compare the quality fo Health Care Providers? Medicare collects information about the quality and safety of medical care and services given by most health care providers (and facilities). Check Medicare.gov/quality-care-finder and get a snapshot of the quality of care they give their patients. Some feature a star rating system to help you compare quality measures that are important to you. Find out more by: Talking to your health care provider. Each health care provider should have someone you can talk to about quality. Asking your doctor or other health care provider what he or she thinks about the quality of care other providers give. You can also ask your doctor or other health care provider about the quality of care information you find on Medicare.gov . Having access to quality and cost information upfront helps you get a complete picture of your health care options. You'll be able to compare quality ratings, cost information, and other details to hel
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