Guide to Medicare; Issued March 16, 2022

1 A Massachusetts Consumer's Guide to Medicare Massachusetts SHINE Program Updated January 2022 Medicare Guide Disclaimer: This guide covers the basics around applying for Medicare. Information for this guide was obtained via the Social Security Administration, Centers for Medicare and Medicaid Services, and state Division of Insurance websites, as well as the Medicare & You Handbook. It does not include every detail of the application process or eligibility requirements and residents are encouraged to contact SHINE (Serving Health Insurance Needs of Everyone) for more information or assistance. The Commonwealth’s SHINE program is an educational resource that is designed to inform Massachusetts residents about the complexities of Medicare. SHINE Counselors are highly trained, dedicated volunteers who are re-certified annually. They will be glad to make an appointment with you to further explain and clarify your Medicare options. SHINE Counselors will also screen you for eligibility programs that may reduce your Medicare costs. These programs are offered through Prescription Advantage and MassHealth. For more information: SHINE For additional information and a directory of SHINE Regional Offices: 1-800-243-4636 SHINEMA.org Medicare 1-800-633-4227 www.medicare.gov/ Social Security Administration 1-800-772-1213 www.ssa.gov MassHealth 1-800-841-2900 (Medicaid) www.mass.gov/masshealth Prescription Advantage 1-800-243-4636 www.prescriptionadvantagema.org 2 What is Medicare? Medicare is the federal health insurance program for people 65 & older and some under 65 with disabilities to help with their hospital and medical coverage. The program helps with the cost of health care but it is not comprehensive; it does not cover all medical expenses or the cost of long- term care. Different parts of Medicare help cover specific services: Part A – Hospital Insurance Part B – Medical Insurance Part D – Prescription Drug Coverage Medicare provides numerous preventive services at no cost to beneficiaries. A complete list of these services is available at this link: Medicare Part B Preventive Services Who is Eligible for Medicare? You are eligible for Medicare if you are: o 65 years old or older and a U.S. citizen or lawfully permitted resident for 5 years o Under age 65 with disabilities. These individuals must have received 24 months of Social Security Disability Insurance (SSDI) benefit payments or have End Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). o Most people are eligible for premium-free Part A if they have paid Medicare taxes long enough through their own or a spouse’s or ex-spouse’s work record. How do I Enroll in Medicare? Social Security handles enrollment in Parts A and B, and will review your records to see if you qualify for Medicare. They will determine if you qualify for premium-free Part A, and what your monthly premium for Part B will be, based on your income. See Your Part B Medicare Costs. You can enroll by physically going to a local Social Security Office, or by making an appointment to enroll over the phone or online at www.ssa.gov. If you already receive benefits from Social Security, you’ll get Medicare Part A and Part B automatically when you’re first eligible and don’t need to sign up. You should be on the lookout in the mail for an Enrollment Kit from Social Security and follow the instructions. If you, your spouse or your loved one is turning 65 in the next 3 months and not already receiving benefits from Social Security, you will not get Medicare automatically. It is your responsibility to contact Social Security if you want to enroll. TIP: Social Security highly recommends that you create a personalized MySocialSecurity account to enroll in Medicare online. 3 4 Do I Have to Enroll in Medicare if I am Still Working? If you are working and covered by your employer’s group health plan (or by a spouse’s plan), you may want to delay enrollment in Part B and enroll only in Part A. You should check with your employer benefits manager on whether or not you need to enroll in Part B. The number of employees in your employer group plan may determine if you need to enroll in Medicare as your primary insurance. You can also delay enrollment in Part A unless you are already collecting Social Security benefits. If you have a Health Savings Account (HSA) as part of a high deductible employer insurance plan, you may want to delay Part A because you cannot contribute to the HSA once your Part A coverage begins. You may use money that is already present in the account after you enroll in Medicare to help pay for deductibles, premiums, copayments, or coinsurance. If you contribute to your HSA after your Medicare Part A coverage starts, you may have to pay a tax penalty. You should stop HSA contributions six months prior to retiring. When Do I Enroll in Medicare? Medicare has specific enrollment periods: To enroll outside of these 4 periods, you must qualify for a Special Enrollment Period 1. Initial Enrollment Period (Parts A, B, C & D) 2. General Enrollment Period (Parts A & B) 3. Fall Open Enrollment Period (Parts C & D) 4. Medicare Advantage Open Enrollment Period (Part C & D- must be enrolled in MA plan on Jan 1st) Initial Enrollment Period 3 months 2 months 1 month The month 1 month 2 months 3 months before the before the before the you turn 65* after the after the after the month you month you month you month you month you turn 65 turn 65 turn 65 turn 65 turn 65 turn 65 If you wait until the last 4 months of your Initial Enrollment Period to enroll, your Part B coverage will be delayed for up to 3 months from the date you enrolled. Enroll early to avoid a delay in coverage. To get Part A and Part B the month you turn 65, you must enroll during the first 3 months before the month you turn 65. *IF your birthday falls on the first day of the month, your coverage would be effective the month preceding your birthday month. If you do not enroll during your Initial Enrollment Period, you may be subject to late enrollment PENALTIES (with some exceptions), and a possible delay in your coverage. month you Penalties for Late Enrollment o Part A Late Enrollment Penalty If you enroll late, and aren’t eligible for premium-free Part A, your monthly premium may go up 10% for twice the number of years you signed up late. o Part B Late Enrollment Penalty If enrolling late, Part B penalty is a surcharge added to your monthly Part B premium for life. The Part B late enrollment penalty is calculated as 10% of the current Part B premium for every 12 month period you were not enrolled and did not have active employer coverage. o Part D Enrollment Penalty If you do not have Part D coverage, even if you take no prescription drugs you can incur a lifetime penalty. The Part D penalty is calculated as 1% of the national base beneficiary premium for each month you were not enrolled in a Part D plan and did not have creditable coverage. o Once you are eligible for Medicare, as long as you are working and covered by your employer’s group health plan (or by a spouse’s plan), you will not be assessed a Part B Late Enrollment penalty. You will need to provide an Employment Letter to Social Security. COBRA does not provide coverage from the Part B penalty. o After you enroll in Medicare, if you have creditable drug coverage from any source, including employer, VA coverage, or COBRA coverage, you will not be assessed a Part D late enrollment penalty. If you lose this creditable coverage, you will have up to two months to enroll in a Medicare drug plan to avoid any penalties. How Can I Protect Myself from Penalties for Not Having Coverage? 5 6 Two Options for Medicare Coverage Once you have enrolled in Medicare Parts A and B via Social Security, you have two options: 1) Original Medicare with an optional Medigap and/or standalone drug plan OR 2) Medicare Advantage plan (also known as Medicare Part C). Medicare Advantage Plans Medicare Advantage (also known as Medicare Part C) is an “all in one” alternative to Original Medicare (Parts A and B). These bundled plans are offered by private insurance companies that contract with Medicare to provide beneficiaries with all of their Medicare benefits that include Part A, Part B, and usually Part D. Out-of-pocket costs can vary. Some plans may have lower out-of-pocket costs than others for certain services. With Medicare Advantage, you can choose between an HMO, PPO or an HMO-POS plan. You must use doctors and/or other types of providers who are in the plan’s network if your Medicare Advantage Plan is an HMO (Healthcare Maintenance Organization). You may also need to get a referral to see a specialist. For PPO and HMO-POS plans, you may have the option of choosing out of network doctors but you will usually pay higher co-pays. Ask your primary doctor or other providers you use if they participate in any Medicare Advantage plans. Emergency services will be covered anywhere within the United States. If you are traveling outside your region (zip code/county), check with your plan for coverage information. Most plans offer extra benefits that Original Medicare doesn’t cover, like routine/limited vision, hearing, and dental. Check with your plan for coverage information. You may pay a premium for the plan in addition to the monthly premium for Part B. Some plans have no monthly premium. Make sure to check your maximum out-of-pocket cost before committing to any plan. To be eligible for a plan, you must: o Have both Medicare Part A & Part B o Reside in the plan’s geographic service area o Not be diagnosed with End-Stage Renal Disease (ESRD) - Restriction ends 12/31/20 When can I enroll or disenroll in a Medicare Advantage Plan? o Initial Enrollment Period o Special Enrollment Period o Fall Open Enrollment (October 15 - December 7) o Medicare Advantage Open Enrollment Period (January 1 - March 31) ✓Note: You must already have a Medicare Advantage Plan as of January 1st to make any changes. Things to consider before choosing Medicare Advantage: o Do your medical providers accept the plan or are you willing to change providers? PLEASE call your provider to confirm plan acceptance! o How much are the premium, copays, and coinsurance? o What is the plan’s maximum out-of-pocket cost for the year? o Do you need to get referrals to see a specialist? o Are your prescription drugs on the plan’s formulary and what is the cost and are there any restrictions? (See Page 11 for a List of Medicare Advantage Plans Currently Offered in Massachusetts) Pro s: pocket costs Can I go anywhere to receive care? s ituation. POS? the HMO network. Do I need a referral to see a specialist? see a specialist. Can I go anywhere to receive care? p ocket costs. Do I need a referral to see a specialist? s ee a specialist. Important things to consider when choosing a Medicare Advantage Plan: any restriction s? 7 8 Medicare Medical Savings Accounts Medicare Medical Savings Accounts are being offered in Massachusetts as of January 1, 2021. These are consumerdirected plans that pair high deductible coverage with a Medical Savings Account. There are two plan levels, both with a $0 premium but with different deposit and deductible amounts. Although these plans are considered Medicare Advantage plans, there are some important distinctions: o MSA plans do not include Part D drug coverage. Individuals who sign up for an MSA would need to join a separate Part D plan to have drug coverage and copays on prescription drugs will not count towards your MSA deductible. o There are no networks, but individuals must use providers that accept their MSA plan Important things to consider when choosing a Medical Savings Account: o Are you able to meet the high deductible amount if needed? o After your deductible is met, you will have no co-pays for any Medicare Part A or B covered service o Unused balances in your MSA can be rolled over from year to year o Money withdrawn from your MSA is tax-free as long as it is used for healthcare costs (See pages 11-12 for a List of Medicare Advantage Plans and MSA Plans Currently Offered in Massachusetts) Medigap Plans Medigap plans, also known as supplements, provide extra coverage beyond Medicare by filling some of the gaps in Medicare coverage. Medigap plans do not provide prescription drug coverage. In Massachusetts, there are 8 private insurance companies that offer supplement plans across the state. Massachusetts offers continuous open enrollment, which allows you to enroll, change or drop your plan any month for an effective date the 1st of the following month. (See Page 13 for a List of Medigap Plans Currently Offered in Massachusetts) Part D Prescription Drug Plans: Even if you do not take any prescription medications, you MUST have a Part D plan to avoid a lifetime penalty unless you have other creditable coverage. If you have Medicare Advantage, most include your Part D coverage. If you do not have Medicare Advantage, you can get a Medicare Part D Standalone Prescription Drug Plan (PDP). People with higher incomes will pay more than the standard premium for either type of plan. See: Your Part D Premium Costs Medicare Part D standalone prescription drug plan carriers: o Aetna Silverscript o Blue Medicare Rx o Cigna o Elixir Choosing a Part D Plan: These are the things to consider when choosing a Part D plan o What is the Total Cost (premiums and co-pays)? o Are your prescription drugs covered? o Does the plan have a deductible? o Are there any restrictions? o What pharmacies are preferred? o For consumers who are prescribed certain insulin medications, the Senior Savings Model may offer a fixed, lower co-pay during all coverage phases if the drug is on a plan’s formulary. o Humana o Mutual of Omaha o United Healthcare o WellCare On-Line Tool to Compare Options: You can view available Part D drug plans and Medicare Advantage plans using Medicare Plan Finder. Go to www.medicare.gov and click on “Find 2022 Health & Drug Plans” – or talk with a SHINE counselor. TIP: Medicare also highly recommends that you create a personalized MyMedicare.gov account. Page 7 of 14 Create an Account for a Personalized Medicare Plan Finder Experience When you create an account, you can: • Build a better drug list. We’ll make suggestions based on prescriptions you filled within the last 12 months. • Modify your drug list and save changes. • Compare benefits and costs in your current plan to other plans available in your area. • See prices based on any help you get with drug costs. Create your new account If you want access to personalized information and features, you’ll need to create an account. Visit Medicare.gov/plan-compare and click “Log in or create account.” Have the following information ready (for yourself or the person you’re helping): 1. Medicare Number – You can find this on your red, white, and blue Medicare card. If you’re new to Medicare and don’t have your Medicare card yet, you can get your Medicare number on the letter you get from Social Security after you enroll. 2. Last name 3. Date of birth 4. Current address with ZIP code or city 5. Part A or Part B coverage start date (find this on your Medicare card) Once you add this information and select “Next,” you can create a username and password and use your new Medicare account. You can write your username and a password hint below. Just remember to keep this sheet in a safe place to protect your privacy. My Username: My Password Hint: Forgot your username or password? If you have an existing account, but forgot the username or password, click “Trouble signing in?” under the Username box on the log in page. You’ll need this information: 1. Medicare number 2. Last name 3. Date of birth CMS Product No. 12064 10 Your Medicare Options REQUIRED MEDICARE Enrolled in Medicare Part A & Part B and continue to pay monthly premiums OPTION #1 Original Medicare + • Optional Medigap plan • 3 different types of Medigap plans 1. Core 2. Supplement 1A 3. Supplement 1* (*Only if Medicare eligible prior to 2020) • Free to choose any doctor or hospital that accepts Medicare • No referrals needed to see specialists • Does NOT include drug coverage • When changing Medigap plans, need to call plan to disenroll + OPTIONAL PART D Stand Alone Prescription Drug Plan • Multiple plans to choose from • Automatic disenrollment from Prescription Drug Plan when changing Part D plans OPTION #2 Medicare Advantage Plan (Part C) • Optional “Replacement” • Must maintain Part A & Part B and must pay Part B premium • 5 types of MA plans 1. HMO (Health Maintenance Organization) - May use network providers only 2. HMO-POS (HMO with Point Of Service)-HMO with limited out of network coverage 3. PPO (Preferred Provider Organization)- Can go out of network for extra $$ 4. SNP (Special Needs Plans) HMOs for institutionalized individuals or dual eligible 5. MSA (Medicare Medical Savings Accounts) Consumer directed high deductible plan • Usually includes prescription drug coverage. • Cannot have separate Part D plan (except MSAs) • Cannot live outside service area for more than 6 consecutive months • Covers some extra benefits • Usually need referrals to see specialists • May have co-pays and deductibles • Automatic disenrollment when changing Medicare Advantage Plans Insurer Name Plans Available Range of Premiums Counties Offered In Aetna 1-855-335-1407 aetnamedicare.com HMO, PPO, PPO no RX All plans are $0 Bristol, Essex, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, Worcester Blue Cross Blue Shield of Massachusetts 1-800-678-2265 medicare.bluecrossma.com HMO, PPO, HMO-POS $0-$268 Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, Worcester NEW! Commonwealth Care Alliance 1-888-537-5816 commonwealthcarealliance.org/ ma/become-amember/medicare-plansoverview/ PPO $0-$36.30 Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, Worcester NEW! eternalHealth 617-665-7430 eternalhealth.com/medicareadvantage/plans/ HMO, PPO $0-$120 Middlesex, Suffolk, Worcester Fallon Community Health Plan 1-800-868-5200 fchp.org/findinsurance/medicare.aspx HMO, HMO no RX $0-$255 Barnstable, Berkshire, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, Worcester Health New England 1-877-443-3314 healthnewengland.org/medica re/plans HMO, HMO no RX, PPO $0-$170 Berkshire, Franklin, Hampden, Hampshire Humana 1-800-833-2364 humana.com/medicare PPO, PPO no RX $0-$20 Bristol, Hampden, Worcester Updated: 10/8/2021 11 Insurer Name Plans Available Range of Premiums Counties Offered In NEW! MassAdvantage HMO Members: 1-844-918-011 PPO Members: 1-844-915-0234 massadvantage.com/ HMO, PPO $0-$102 Worcester NEW! Senior Whole Health (Molina Healthcare) 1-888-566-3526 molinahealthcare.com/memb ers/ma/en-us/Pages/home HMO $0 Suffolk Tufts 1-617-972-9400 tuftshealthplan.com/visitor/pl ans-benefits/explore-ourplans/medicare-plans HMO, HMO no RX $0-$248 Barnstable, Berkshire, Bristol, Essex, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, Worcester UnitedHealthcare AARP 1-888-915-0037 uhcmedicaresolutions.com HMO, PPO, RPPO $0-$55 Barnstable, Berkshire, Bristol, Dukes, Essex, Franklin, Hampden, Hampshire, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk, Worcester NEW! Wellcare 1-877-357-3107 wellcaremedicareadvantage.com/ HMO, PPO $0-$60 Berkshire, Bristol, Essex, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, Worcester Insurer Name Plans Available Range of Premiums Counties Offered In Lasso Healthcare Growth MSA $0 premium $2,000 deposit $5,000 deductible Lasso Healthcare GrownPlus MSA $0 premium $3,000 deposit $8,000 deductible Lasso Healthcare 1-800-918-2795 Lassohealthcare.com Barnstable, Berkshire, Bristol, Dukes, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, Worcester Updated: 10/8/2021 12 Medicare Supplement Plans Offered in Massachusetts 2022 Updated 01/01/2022 Comparison of Plans Core Supplement 1* Supplement 1A Basic Benefits Included In All Plans: Hospitalization Part A Co-payments Days 61 - 90: $371 per day Days 91-150: $742 per day 365 Additional Lifetime Hospital days - Paid in full Part B Coinsurance Coverage of coinsurance, in most cases, 20% of approved amount Parts A and B Blood First 3 pints X X X X X X X X X X X X X X X Additional Benefits Part A Deductible for Hospital Days 1 - 60 $1484 per benefit period X X Skilled Nursing Facility Coinsurance Days 21-100 - $185.50 per day X X Part B Annual Deductible - $203 X Foreign Travel - For Medicare-covered services needed while traveling abroad. X X Inpatient Days in Mental Health Hospitals In addition to Medicare's coverage of 190 lifetime days and less any days previously covered by plan in same benefit period 60 days per calendar year 120 days per benefit period 120 days per benefit period IMPORTANT NOTICE: Medicare Supplement premium rates are required to be in effect for not less than 12 months. Effective dates shown for each Carrier are based on the most recent filing on record with the Division of Insurance. 13 Medicare Supplement Plans Offered in Massachusetts 2022 Updated 01/01/2022 Medigap Carriers Please note that some rates may change during 2022 Medicare Supplement Core Medicare Supplement 1* Medicare Supplement 1A Blue Cross & Blue Shield of MA (Medex) 1-800-678-2265 sales/apps 1-800-258-2226 member services 711 (TDD) www.bluecrossma.com (continuous open enrollment) $113.58 Effective 01/01/2022 $226.29 Effective 01/01/2022 $190.55 Effective 01/01/2022 Optional Preventive Care Benefits Rider $ 2.52 Effective 01/01/2022 $ 2.52 Effective 01/01/2022 $ 2.52 Effective 01/01/2022 Fallon Health & Life Assurance Company 1-866-330-6380 sales/apps 1-800-868-5200 member services TRS 711 www.fallonhealth.org/medsupp (continuous open enrollment) $138.00 Effective 01/01/2022 $229.00 Effective 01/01/2022 $185.00 Effective 01/01/2022 HNE Insurance Company 1-877-443-3314 711 (TTY) www.healthnewengland.org (continuous open enrollment) $126.00 Effective 01/01/2022 $227.00 Effective 01/01/2022 $185.00 Effective 01/01/2022 HNE Insurance Company If you received communication that your former employer has a contracted relationship with below marketplaces please call: • AON Hewitt: 800-350-1470 or visit retiree.aon.com • Towers Watson: 866-322-2824 or visit my.viabenefits.com (continuous open enrollment) $120.00 Effective 01/01/2022 $207.00 Effective 01/01/2022 $185.00 Effective 01/01/2022 14 Medicare Supplement Plans Offered in Massachusetts 2022 Updated 01/01/2022 Medigap Carriers Please note that some rates may change during 2022 Medicare Supplement Core Medicare Supplement 1* Medicare Supplement 1A HPHC Insurance Company, Inc. 1-877-909-4742 sales/apps 1-877-907-4742 member services 711 (TTY) www.hpforlife.org (continuous open enrollment) $136.00 Effective 01/01/2022 $242.00 Effective 01/01/2022 $195.00 Effective 01/01/2022 Humana Insurance Company 1-800-872-7294 sales/apps 1-800-866-0581 member services 1-800-833-3301 (TDD) www.humana.com (continuous open enrollment) $192.44 Effective 07/01/2021 $318.49 Effective 07/01/2021 $308.19 Effective 07/01/2021 Humana Insurance Company HEALTHY LIVING (including dental and vision benefits) 1-800-872-7294 sales/applications 1-800-866-0581 member services 1-800-833-3301 (TDD) www.humana.com (continuous open enrollment) $205.79 Effective 07/01/2021 $331.84 Effective 07/01/2021 $321.54 Effective 07/01/2021 15 Medicare Supplement Plans Offered in Massachusetts 2022 Updated 01/01/2022 Medigap Carriers Please note that some rates may change during 2022 Medicare Supplement Core Medicare Supplement 1* Medicare Supplement 1A Transamerica Life Insurance Company 1-800-458-5736 (Group Medicare Supplement insurance sponsored exclusively for eligible members of the American Medical Association.) www.amainsure.com (continuous open enrollment) 1-800-247-1771 (Group Medicare Supplement insurance sponsored exclusively for eligible members of the American Institute of Certified Public Accountants (AICPA)) https://forms.cpai.com/personalinsurance/medicare-supp/ (continuous open enrollment) $119.20 Effective 09/09/2021 $206.17 Effective 09/09/2021 $184.73 Effective 09/09/2021 Tufts Insurance Company Sales: 1-888-508-1401 Customer Relations: 1-800-701-9000 711 (TTY) www.thpmp.org/medsupp (continuous open enrollment) $129.00 Effective 01/01/2022 $228.50 Effective 01/01/2022 $195.50 Effective 01/01/2022 Optional Dental Rider $48.00 Effective 01/01/2022 $48.00 Effective 01/01/2022 $48.00 Effective 01/01/2022 16 Medicare Supplement Plans Offered in Massachusetts 2022 Updated 01/01/2022 *Only available if eligible for Medicare prior to 1/1/2020 *Moving from Supplement 1 to Supplement 1A may be subject to restrictions NOTE: If new to Medicare, check with each plan to see what discounts they may offer. NOTE: Medex ChoiceTM is no longer sold, but existing members may remain enrolled: $167.96/month in 2022 In compliance with Medicare regulations, Medicare Medigap 2 cannot be sold after December 31, 2005, but existing members may remain enrolled. Medex Gold premium is $878.78/month in 2022 Harvard Pilgrim Medigap plans will continue to be offered in 2022, but enrollment must be done by calling the plan directly. In addition to the above-noted Medicare Supplemental plans, Massachusetts residents may enroll in Medicare Advantage Plans as well as Part D Prescription Drug Plans with the Centers for Medicare and Medicaid Services ("CMS"). For further information regarding these plans please visit the following website: https://www.medicare.gov/find-a-plan/questions/home.aspx Medigap Carriers Please note that some rates may change during 2022 Medicare Supplement Core Medicare Supplement 1* Medicare Supplement 1A UnitedHealthcare Insurance Company Only for members of AARP www.aarpmedicaresupplement.com 1-800-523-5800 (continuous open enrollment) $144.25 Effective 06/01/2021 $259.00 Effective 06/01/2021 $201.75 Effective 06/01/2021 17 2022 Medicare Part D Stand Alone Prescription Drug Plans Massachusetts This chart is for information purposes only and is not approved by CMS Insurance Company Name Plan Name /Plan ID # Monthly Premium Aetna Medicare (1-833-526-2445) aetnamedicare.com SilverScript Smart Rx (S5601-177) $7.40 SilverScript Choice (S5601-004) $33.60 SilverScript Plus (S5601-005) $72.50 Blue MedicareRx (1-877-479-2227) rxmedicareplans.com Blue MedicareRx Value Plus (S2893-001) $51.70 Blue MedicareRx Premier (S2893-003) $136.20 Cigna (1-800-735-1459) cigna.com/medicare Cigna Essential Rx (S5617-281) $32.10 Cigna Secure Rx (S5617-008) $33.50 Cigna Extra Rx (S5617-247) $55.60 Elixir Insurance (1-888-377-1439) envisionrxplus.com Elixir RxSecure (S7694-002) $36.10 Elixir RxPlus (S7694-125) $36.50 Humana (1-800-706-0872) Humana.com/ medicare Humana Walmart Value Rx Plan (S5884-182) $22.70 Humana Basic Rx Plan (S5884-102) $36.30 Humana Premier Rx Plan (S5884-149) $75.00 Mutual of Omaha (1-800-961-9006) mutualofomaharx.com Mutual of Omaha Rx Premier (S7126-072) $35.10 Mutual of Omaha Rx Plus (S7126-002) $97.20 UnitedHealthcare (1-800-753-8004) aarpmedicareplans.com AARP MedicareRx Saver Plus (S5921-348) $35.00 AARP MedicareRx Walgreens (S5921-385) $29.30 AARP MedicareRx Preferred (S5820-002) $101.00 Wellcare (1-888-293-5151) wellcarepdp.com Wellcare Value Script (S4802-137) $13.00 Wellcare Classic (S4802-076) $33.50 Wellcare Medicare Rx Value Plus (S4802-205) $69.00 Pink highlighted basic plans have a premium below 2022 benchmark of $36.27 (or within $2.00 de minimis amount) All plans are National except Blue Cross plans. 18