Mr. Zachow has a condition for which three drugs are available. He has tried two but had an allergic
reaction to them. Only the third drug works for him and it is not on his Part D plan's formulary. What
could you
...
Mr. Zachow has a condition for which three drugs are available. He has tried two but had an allergic
reaction to them. Only the third drug works for him and it is not on his Part D plan's formulary. What
could you tell him to do? Correct Answer: Mr. Zachow has a right to request a formulary exception to
obtain coverage for his Part D drug. He or his physician could obtain the standardized request form on
the plan's website, fill it out, and submit it to his plan.
Mr. Polanski likes the cost of an HMO plan available in his area, but would like to be able to visit one or
two doctors who aren't participating providers. He wants to know if the Point of Service (POS) option
available with some HMOs will be of any help in this situation. What should you tell him? Correct
Answer: The POS option might be a good solution for him as it will allow him to visit out-of-network
providers, generally without prior approval. However, he should be aware that it is likely he will have to
pay higher cost-sharing for services from out-of-network providers.
Mr. Barker had surgery recently and expected that he would have certain services and items covered by
the plan with minimal out-of-pocket costs because his MA-PD coverage has been very good. However,
when he received the bill, he was surprised to see large charges in excess of his maximum out-of-pocket
limit that included a number of services and items he thought would be fully covered. He called you to
ask what he could do? What could you tell him? Correct Answer: You can offer to review the plans
appeal process to help him ask the plan to review the coverage decision.
Ms. Stuart has heard about a special needs plan (SNP) that one of her friends is enrolled in and is
interested in that product. She wants to be sure she also has coverage for prescription drugs. Would she
be able to obtain drug coverage if she enrolled in the SNP? Correct Answer: a. Yes. All SNPs are required
to provide Part D coverage for prescription drugs.
b. Yes, but only if she qualifies for Part D prescription drug coverage under her state Medicaid program.
c. No. Medicare beneficiaries who enroll in an SNP must always obtain their drug coverage through a
stand-alone Part D Medicare prescription drug plan that they sign up for independent of their
enrollment in the SNP.
d. Maybe. Some SNPs offer Part D coverage for prescription drugs and some do not.
= ?????
Phiona works in the IT Department of BestCare Health Plan. Phiona is placed in charge of BestCare's
efforts to facilitate electronic enrollment in its Medicare Advantage plans. In setting up the enrollment
site, which of the following must Phiona consider? Correct Answer: II. All data elements required to
complete an enrollment request must be captured.
III. The process must include a clear and distinct step that requires the applicant to activate an "Enroll
Now" or "I Agree" type of button or tool.
Ms. Lewis understands that Medicare prescription drug plans may use various methods to control the
use of specific drugs. She has heard about a technique called "step therapy" and is wondering if you can
explain what that is. What should you tell her? Correct Answer: Step therapy involves using one or more
lower priced drugs before trying a more expensive drug when all are used to treat the same condition.
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