Medicare Disclosures

Legal Information for Medicare Advantage and Prescription Drug Plans

Legal Disclaimers

This Website is for individual Medicare coverage only.

HMO, PPO, PDP, and PFFS plans with a Medicare contract available to anyone entitled to Part A and/or enrolled in Part B of Medicare through age or disability (for MA plans, individuals must have both Part A and Part B). Annual and Special Enrollment period restrictions apply. Plans may be renewed annually. You must use network pharmacies, except under non-routine circumstances. You must continue to pay your Medicare Part B premiums.

This Website is intended to provide information to our carrier’s customers about their healthcare and about the products and services offered by each carrier. Information contained in this site is general in nature. It is not meant to replace or be used in addition to the advice of healthcare professionals. If you have specific healthcare needs, or for complete information, please see a doctor or other healthcare provider.

Although we have made every effort to ensure the contents of this site are correct and complete, we cannot be responsible for the accuracy of information contained herein. For the most current information available, please contact me directly at (859) 533-5195.

The products/and or services descriptions, if any, provided on the this website are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules and regulations.

Links to various other Websites from this site are provided for your convenience only and do not constitute or imply endorsement by us of these sites, any products or services described on these sites, or of any other material contained therein. I disclaim responsibility for their content and accuracy.

Information on this Website may contain inaccuracies or errors. Information may be changed or updated without notice. I only provides periodic updates to this site; therefore any information presented may be out of date.

Our carriers are Medicare Advantage organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in these types of plans depend on contract renewal..

If Your Plan Has a Network
You must use plan providers except in emergent or urgent care situations or for out-of-area renal dialysis. If you obtain routine care from out-of-network-providers neither Medicare nor Humana will be responsible for the costs.

For PPO Plans
With the exception of emergency or urgent care, it will cost more to get care from out-of-network providers. Additionally, accessing services from in-network providers can cost less than using services of out-of-network providers.

If benefits for which the co-insurance percentage is the same both in and out-of-network, member responsibility will be greater out-of-network when the out-of-network co-insurance is based on the Medicare allowed amount and the contracted amount is lower.

The plan provides reimbursement for all covered benefits regardless of whether they are received in-network, as long as they are medically necessary.

Legal Information for Medicare Supplement Plans

This website is intended to provide information to Medicare Supplement insurance customers about their healthcare and about the products and services offered by our carriers. Information contained in this site is general in nature. It is not meant to replace or be used in addition to the advice of healthcare professionals. If you have specific healthcare needs, or for complete information, please see a doctor or other healthcare provider.

Although I have made every effort to ensure that the contents of this site are correct and complete, I cannot be responsible for the accuracy of information contained herein.

Product and Service Descriptions The product and service descriptions, if any, provided on this website are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

Linking to other sites Links to various other Websites from this site are provided for your convenience only and do not constitute or imply endorsement me of these sites, any products or services described on these sites, or of any other material contained therein. I disclaim responsibility for their content and accuracy.

Information on this Website may contain inaccuracies or errors. Information may be changed or updated without notice. I only provides periodic updates to this site; therefore, any information presented may be out of date.

It should be noted that Medicare Supplement plans are not managed care.