OneShare healthshare

OneShare healthshare is a medical cost sharing ministry that offers 3 program choices. They provide members an affordable way to manage the high cost of health care.

Please note: OneShare is not a health insurance plan.

OneShare is a sharing ministry that believes in the value of caring for others.  They provide industry-leading membership programs and an unparalleled member experience.  The programs are the Catastrophic, Complete and Classic programs.   Below we have listed some key features of the Oneshare healthshare programs:

Be advised: The programs have a pre-existing exclusion condition clause with a 24-month look back.  They also have a 90 day wait on medical expenses other than accidents, injuries and acute illness.

Catastrophic program

CLICK HERE FOR CATASTROPHIC PROGRAM BENEFITS

IMPORTANT: Starting June 1, 2020, the provider network for OneShare will change from PHCS to the  First Health network; this change will allow Oneshare to provide 95% of the U.S. population access to health care providers.

Click here for First Health FAQs

 Learn to use the First Health provider search tool; click here

First Health provider search – click here

Classic and Complete programs  (More up front coverage than the Catastrophic program)

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Medicare donut hole 2020

Most Medicare drug plans have a coverage gap or “donut hole”.  If you reach the Medicare donut hole 2020, it means that you have a temporary limit on what your drug plan will cover for your prescriptions.

Some people do not enter the coverage gap/donut hole.  The only time you enter the gap is when both yourself and your drug plan reach the annual spending amount. The Medicare donut hole 2020 amount is $4,020.  This amount applies to only covered drugs in.  This amount may change each year.

Keep in mind; if you are on Medicare and get Extra Help paying for Part D, you will not enter the coverage gap/donut hole.

There are 3 levels of coverage with Medicare Part D:

1.  You are in the the initial coverage stage before you reach the coverage gap.  Last year, in 2019, the initial coverage limit was $3,820.  The initial coverage limit has been raised up to $4,020 for 2020.
2. The second level is when you reach the coverage gap/donut hole. You will be on this level once your Medicare approved prescription drug plan expenses reach the initial coverage limit. Medicare has changed the percentage you pay for your medications during the coverage gap. In 2019, Medicare members had to pay 25% for brand-name prescriptions and 37% for generic medications. The percentage members have to pay for Medicare prescription drug plans in 2020 will be 25% for both brand-name as well as generic prescriptions.
3. The third level is called the catastrophic coverage level.  You reach this level only if you have reached the annual out-of-pocket threshold.  This amount is calculated by using all the money you paid for prescriptions for the year, including what you pay during the coverage gap.  If you reach this level, Medicare will cover at least 95% of the cost for your medications for the rest of the year.  The out-of-pocket threshold for Part D in 2020 is $6,350.

Important information if you use brand-name prescription drugs:

Once you reach the coverage gap/donut hole in 2020, you will not have to pay more than 25% of the cost for brand-name prescription drugs that are covered by your plan. You will be entitled to this discounted rate if you either buy your prescriptions at a pharmacy or order them through the mail. Certain plans offer you even lower costs when you reach the coverage gap. The discount will come off the agreed price your plan has set with the pharmacy for that specific drug.

Although you pay no more than 25% of the price for brand-name drugs, almost the full price of the drug will count towards your out-of-pocket expenses.  This will help you get out of the coverage gap. In other words; both what you and what the manufacturer pays (95% of the cost of the drug) counts toward your out-out-pocket spending.

If you need help choosing a Medicare Advantage, Medicare supplement of Prescription drug plan, feel free to use our Medicare quoting tool below:

Click here to use our free medicare quoting tool 

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Medicare number lookup

If you cannot locate your new Medicare card, there is a way for you to order a new Medicare card.  You can easily find the information you need by using the Medicare number lookup provided in your social security account.  CLICK HERE FOR WEBSITE

The first step is to create your own personal my Social Security account:

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Aetna OTC catalog 2020

If you are a member of certain Aetna Medicare plans, you are eligible to receive an OTC benefit.  You can find out more by looking at the Aetna OTC catalog 2020.

CLICK HERE TO DOWNLOAD A  COPY OF THE AETNA  2020 OTC CATALOG

There are 2 ways to order:

The easiest way to order is Online:  Just go to cvs.com/otchs/myorder.  You can use this way 24/7, therefore it is very convenient.

If you are not comfortable with the computer, you can order by phone.  Call 1-833-331-1573 (TTY:711).  Phone ordering is available Monday-Friday from 9AM until 8PM ET.

Things to remember about our OTC program in CT:

1. The OTC benefit is $50 per quarter.  This is a total benefit value of $200 per year.
2. Members must use the catalog to order their items; they can either call the toll free number or order online
3. You can either use the whole $50 benefit at once or you can split it into two separate orders during the quarter.
4. Any unused benefit balance will not roll over to the next quarter.
5. Members cannot use The CVS extra care card to purchase OTC items.
6. OTC items cannot be purchased in the store at the discounted rate.
7. You receive free shipping on all orders.
8. In most cases, your Items will arrive within 10 business days.

Do you need help finding the right Medicare plan for yourself; please contact us.  We can be reached either by phone  at (203)796-5403 or email at [email protected]

CLICK HERE TO USE OUR COMPARISON SITE AND FIND THE BEST PLAN OPTION FOR YOU.

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Humana OTC catalog 2020

The Humana OTC catalog 2020 is a nice benefit for those who are members in participating Medicare plans.  If you have the same plan as last year; please make sure you check your 2020 summary of benefits to make sure your benefit amount has not changed.  You can find this information by signing into your  MyHumana account and clicking on Documents and Forms under member support.

There are a few ways to order your OTC products:

1.  Order your OTC products online.  Just sign in to HumanaPharmacy.com.  Next,  select your “Over-the-Counter (OTC) items from the “Shop OTC & Supplies” tab at the top of the page and place your order form there.
2.  Use the free mobile app.  Order your OTC products whenever it is convenient for you by using the Humana Pharmacy mobile app right from your mobile device.
3. You can also order through the mail.  Just fill out the OTC Health and Wellness Product order form and mail the order form to:
   Humana Pharmacy
   PO Box 1197
   Cincinnati, OH 45201-1197
4. There is also a fax available if you do not wish to mail your order.  Fill out the OTC Health and Wellness product order form and fax the order form to Humana Pharmacy at: 1-800-379-7617
5. If you have any questions,  you can call Humana Pharmacy at 1-855-211-8370 (TTY: 711).  Customer care representatives are there to help you Monday – Friday, 8 a.m.  until  11 p.m., as well as Saturday from 8 a.m. until 6:30 p.m. EST.

CLICK HERE FOR THE 2020 HUMANA OTC CATALOG

Please note: If you order multiple products, You may receive your products in more than 1 shipment.  This will depend on what items you order.  The order form in this catalog is for 2020 ONLY.  Do not submit your first order until after January 1st.

Additionally, if your order exceeds your plan’s allowance, you need to include either a check, money order or credit card information to cover the remaining balance due.

If your balance exceeds your benefit amount will have sales tax applied.  If you do not submit the full payment, some items in your order will be cancelled in order to bring your order total equal to your benefit allowance.
Please provide your payment information every time your order exceeds your benefit allowance amount.
Be aware that; any unused allowance does not roll over.  Therefore, if you do not use our benefit during the benefit period, you will loose the benefit for that period.

• For beneficiaries who have a monthly allowance; you must submit your OTC order by the 20th of each month.
• Beneficiaries who have a quarterly allowance must submit orders by the last week of your benefit allowance quarter.  The last month of each quarter are:  March, June. September and Decembe

CLICK HERE TO USE OUR FREE MEDICARE QUOTE SITE AND FIND OUT WHICH PLAN IS BEST FOR YOU.

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Cigna OTC catalog 2020

The Cigna OTC catalog 2020 is a great benefit to have for those in a participating Cigna Medicare plan.  Each plan has a different OTC allowance.  To find out how much your benefit is; check the evidence of coverage that you received with your new card.

There are 3 different ways to order your items:
1.  First, you can call 1-866-851-1579 (TTY 711), Monday through Friday from 8:00 a.m. until 11 p.m. EST.
2.  Second,  you can fill out an order form that you received with your new member materials and mail it in.
3.  Third, you could visit Cigna’s website at www.CignaHealthSpringOTC.com. and place your order from there.

Once you set up your personal log-in profile, you can view your unused benefit balance.  This plan allows you to roll over unused funds during the same calendar year.  This way you can order your more expensive items by saving your benefit from previous quarters.  You will also be able to view your order history.
If you are away from home and need to place an order, you can do so easily by calling Cigna at 1-866-851-1579 (TTY 711) Monday through Friday, 8:00 a.m. until 11:00 p.m. EST. They will ship your order to a temporary mailing address for you as long as it is in the continental U.S..

CLICK HERE TO DOWNLOAD CIGNA’S 2020 OTC CATALOG

Cigna’s OTC FAQ’s

What types of products are avaialble with the OTC benefit?
There are many covered items included in the catalog.  Cigna offers items such as;  non-prescription pain relievers, vitamins, band aids and cold & flu medicine as well as compression socks ad many other items.

What is my quarterly benefit amount?

This amount varies depending on which plan you are a member of.  You will find this amount in your evidence of coverage for your current plan.

When can I use my quarterly allowance?

The benefit allowance will go into your account at the start of each quarter.  In other words, January 1, April 1, July 1 and October 1.  The funds are available to spend as soon as it is in your account.  You have the option to save the allowances and use them to order higher priced items from the catalog as long as you use the full annual benefit amount before the calendar year ends. There is also the option to order items once a month if you need an item.

Who is eligible to receive items with the use of my OTC benefit?

The only person who is eligible to receive the benefit from your Cigna plan is you.  Cigna does not allow it’s members to purchase items for the use of friends or family.

Please keep in mind; the total cost of your order must be equal to or less than your available otc account balance.   There is no delivery charge for your order.  Please allow 5-7 business days for home delivery.

If you would like help choosing the best Medicare plan for yourself. please contact us.  We can be reached either by phone  at (203)796-5403 or email at [email protected]

CLICK HERE TO USE OUR COMPARISON SITE AND FIND THE BEST PLAN OPTION FOR YOU.

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CT Medicare Advantage and Supplements

There are many choices when it comes to CT Medicare Advantage and Supplements.  These choices can confuse anyone. We can help you feel comfortable not only with your choice of health care plans but the cost as well.  Crowe and Associates is one of the region’s leading Medicare brokerages.  Are you looking for CT Medicare Advantage and Supplement information in Connecticut?  We can help. Crowe and Associates is an independent brokerage agency that works with all major Medicare Advantage and supplement plans.  We work with clients everyday to help them understand the difference between Advantage plans and supplements. We use that knowledge to choose the best plan and company for them.  The insurance companies pay us so you will never receive any type of bill or fee for our services.

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How Are Hospital Observation Services Covered?

How Are Hospital Observation Services Covered? For those covered under Original Medicare or a Managed Medicare plan there can be a big difference in out of pocket costs for a hospital stay.  The amount of coverage you receive depends on how your carrier classifies the services.  Your insurance carrier may consider a hospital either inpatient or outpatient even if someone stays overnight.

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Teladoc Doctor and RX by Phone

Teladoc Doctor and RX by Phone.  This Teladoc service is such a great help for today’s active on the move individuals and families. This is a national network of U.S. board-certified and state-licensed physicians.  The physicians use electronic health records, telephone consultations and online video consultations to diagnose, recommend treatment as well as write short term, non-DEA controlled prescriptions.  This is all done without a face to face meeting.  Physicians are available 24 hours a day for 365 days a year.  This allows it’s members of any age to conveniently access quality care either from their home, work or on-the-go.  In fact, Teladoc coverage includes both a dental as well as a vision discount plan.  LASIK vision correction and a prescription saver program are also included in this plan.  All programs are included in the pricing below.  In fact, this service is approved in all 50 states.

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True Freedom Home Care Service Plans

True Freedom home care service plans are designed for consumers who are not currently in need of care but could be classified as in “declining health” which would prevent them from being able to secure a traditional plan.

While loved ones will have the best intentions to be there for a family member who needs assistance, many are not prepared and quickly become overwhelmed by the amount of work involved in giving care.  Traditional home health care insurance is an option for such services.  However, it is limited to only the extremely healthy, creating challenges for many that do not qualify.  True Freedom plans are a viable alternative to traditional home health care insurance.  These plans support seniors with their regular activities while providing independence and privacy with at home care

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