Wellcare OTC catalog 2021
If you are looking for a Medicare Advantage plan, consider all the benefits a Wellcare Medicare Advantage plan has to offer. Some plan benefits include an OTC allowance. Take a look at the Wellcare OTC catalog 2021.
2022 Version: CLICK HERE FOR THE 2022 WELLCARE OTC CATALOG
Wellcare 2021 OTC catalog – download.
There are 3 ways to purchase approved items:
You can purchase items online 24/7. Just create an account at: cvs.com/otch/wellcare. you will need your member ID, birthdate, zip code and a current email address.
- You can look up your benefit amount and and purchase OTC items from your inside your online account, browse products and add items to your cart.
- Once you have placed your online order, you should receive it in about 14 days. Wellcare must receive your order no later than 11:59 PM, ET for same day processing.
Order over the phone: Call 1-866-819-2516 (TTY:711) A customer service representative will assist you Monday-Friday from 9am-8pm. The representative will ask yo for both your Id card and the item code to place your order.
- Call the OTCHS (over the counter health solutions) and use the automated system to order 24/7. Some information such as your birthdate will be used to authenticate your identity. Once the authentication process has started, your name and address will be verified.
In person; just go to cvs.com/otchs/wellcare/storeloctor to find a participating location to purchase items from.
- Use your OTC health solutions catalog to find approved items. Approved items will have a blue label to help identify eligible products.
- Go to any cashier and show them your insurance OTC card to checkout.
Any unused OTC benefits will not roll over to the next benefit period. In other words, this is a use it or lose it benefit.
Additional information: Returns or exchanges are not permitted, sue to the personal nature of the products.
Please call OTC Health Solutions 1-866-819-2516 (TTY:711) within 30 days of placing your order to report either missing or damaged items. A replacement item of either equal or greater value will be substituted at no additional cost to you.
Any unused OTC benefits will not roll over to the next benefit period. In other words, this is a use it or lose it benefit.
Click here for Wellcare CVS OTC catalog.
Does Medicare cover home healthcare costs?
Contact Crowe and Associates for help with your Medicare plan at (203)796-5403 or by email at admin@croweandassociates.com.
Click here for a no obligation online quote.
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UHC OTC catalog 2021
Some UHC Medicare Advantage plans provide members with OTC benefits. For anyone who is in one the participating MA plans, the UHC OTC catalog 2021 is a useful tool. There will be a lot of great information included in the welcome packet you will receive. This packet includes, your ID card, benefit information and a fulfillment by Walmart OTC card.
UPDATE: CLICK HERE FOR THE 2022 CATALOG
Are you a Medicare insurance agent? CLICK HERE TO LEARN ABOUT OUR FREE LEAD PROGRAM
Download the health & Wellness catalog for 2021 here.
Members of specified UHC Medicare Advantage plans receive OTC credits every quarter to use on approved items.
On the first day of each new quarter, the credits will arrive in your UHC OTC account. The amount of credits each member receives depends on the plan you are on. The plan summary of benefits will specify the plan benefit amount. After that, your credits will expire at the end of each quarter and do not rollover.
Here are the ways you can use your benefit credits:
Go online and create an account at; MyUHCMedicare.com/HWP. Once you have created your account, you can check your OTC balance, look for approved items and place your order.
Order over the phone at; 1-833-845-8798 TTY 711. Please be sure you have your product number as well as name of item and your account number handy before you call. The customer service representative will also ask you for the security code found on the fulfillment by Walmart card.
Place your order through the mail. Just use the mail order form and the postage paid envelope you find in your health and wellness product catalog.
CLICK HERE FOR CATALOG
Medicare changes 2021
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Have you thought about adding dental, vison or hearing coverage?
THE INFORMATION ON THIS PAGE HAS BEEN UPDATED. CLICK HERE TO ACCESS THE NEW PAGE.
Aetna OTC catalog 2021
Are you a member of an Aetna Medicare advantage plan? If you are, you need the Aetna OTC catalog 2021, because it offers many great products at no cost to you. Not sure if your plan offers this benefit; check the summary of benefits for your plan. If you do not have a summary of benefits, you can find out if your plan offers the OTC benefit by calling: 1-833-331-1573 (TTY:711). Due to the fact that different Medicare Advantage plans offer different benefits, be sure to note if you have either a monthly or a quarterly benefit amount.
Members of participating plans can access both plan documents and the OTC catalog online: AetnaMedciare.com/OTCCatalog.
Once you are on the website; choose plan year 2021 and sue the drop down menu to fill in other necessary information. Once this is done, you will be able to access all plan documents including the OTC catalog.
Download the 2021 OTC catalog
Members of the Aetna 2021 DSNP plan can click here for the OTC catalog.
Because people like to do things differently, Aetna gives members 3 ways to order OTC items:
Before you place an order, please have your Aetna member ID number ready.
To order by phone, call 1-833-331-1573 (TTY:711). You can reach customer care representatives Monday-Friday, 9am- 8pm local time except in Hawaii.
Pick up your order in person at any participating CVS OTCHS-enabled pharmacy. To find a participating CVS; just go to the store locator at: cvs.com/otchs/myorder/storelocator.
Order online at: cvs.com/otchs/myorder. The first time you go to the site, you will need to create an account.
Do you need a paper copy of the catalog? Just call member services; you will find this number on your member ID card.
If you are a D-SNP plan member, you will automatically receive an OTC catalog in the mail with your other plan documents.
If you would like to download a copy of the Aetna OTC catalog:
CLICK HERE – 2021 AETNA OTC CATALOG
CLICK HERE – 2021 AETNA DSNP OTC CATALOG
Should I choose a Medicare Advantage Plan or a Medicare Supplement Plan?
We can set up a time for you to speak with a licensed insurance agent, if you need help choosing an insurance plan. Contact us either at (203-796-5403) or email admin@croweandasociates.com.
Learn more about Crowe and Associates
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Connecticare OTC catalog 2021
The Connecticare OTC catalog 2021 is a great tool for any member of a participating Connecticare Medicare Advantage plan. To verify weather or not your plan offers the OTC benefit; either look through your plan materials or call 1-855-957-2056 (TTY:711). Yo can go online connecticare.com/medicare to check your plan benefits.
CLICK HERE FOR THE CONNECTICARE 2022 OTC CATALOG
The folowing plans offer a quarterly benefit amount:
- Choice Part B Saver Plan allows members a quarterly OTC benefit amount of $75.
- Flex 3 Plan provides a quarterly OTC benefit amount of $50.
- Choice Dual BASIC-QMB Plan- provides a quarterly OTC benefit amount of $50.
Anyone who is a member of one of these plans can use the following mail order form:
Connecticare OTC information – Click here
Any members of one of the plans listed above plans; order your OTC items either online at connecticare.com/mailOTC or over the phone: 1-877-239-2942.
Please note: You will need your member ID when placing an order. All items ordered will be mailed to the member.
Member of Choice Dual HUSKY Plan receive their OTC benefit amount of $50 monthly.
Any member of the Choice Dual Husky Plan will receive an OTC card to use in store on approved purchases. The card may only be used in stores that are part of the participating network. To view a complete list of participating pharmacies visit otcnetwork.com.
Some of the Connecticare OTC network pharmacies include: CVS, Duane Reade, Family Dollar, Rite Aid, Walgreens and Walmart.
Because OTC benefits expire at the end of each benefit period; either the end of the quarter or the end of the month it is Important to be sure and use them before it is too late. The unused balance does not rollover.
If you want help finding the best Medicare plan option for you; contact us either by phone at (203)796-5403 or email at admin@croweandassociates.com.
To find out if Medicare covers home healthcare costs; click here
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EmblemHealth OTC catalog 2021
If you are fortunate enough to be enrolled in one of the Medicare Advantage plan that is offered by EmblemHealth, you may like a copy of the EmblemHealth OTC catalog 2021. Members who are unsure of their plan benefits; can contact member services to verify their benefits.
THE INFORMATION ON THIS PAGE HAS BEEN UPDATED. CLICK HERE TO VIEW THE NEW POST.
Take a look at the EmblemHealth 2021 OTC Catalog.
Do you need a catalog mailed to you; call Nations OTC at 877-239-2942.
Members of participating plans have 3 ways to order OTC items.
- Mail in your order; just fill out the order form and send your form to: NationsOTC, 8930 West State Road 84, Suite 187, Davie, FL 33324.
- Call the order in. You can reach NationsOTC at 877-239-2942 (TTY: 711). Member Experience Advisors are available from Mon- Fri, from 8 am until 8 pm.
- Order online at: EmblemHealth.com/mailOTC . Be sure to have the item number as well as your member ID with the number 1 on the end and your birthdate available.
If you are a member of the VIP Reserve HMO, you can only access the OTC benefit through mail order and will not receive a separate OTC card. Please use your member ID on your order form.
EmblemHealth OTC Order Form; 2021 Mail Orders.
2021 EmblemHealth 2021 OTC Catalog – click here.
You can also visit EmblemHealth.com/mailOTC to view a copy of the OTC catalog.
In the event that an item is unavailable, EmbleHealth reserves the right to substitute an item of equal or greater value. There will be no additional cost for item substitutions.
Members who place an order over the OTC benefit limit will need to provide an additional payment method before their order can be processed.
Once your order is processed; it should take about 2-5 business days for you to receive it. Orders are non returnable as the items are of a personal nature.
If you either need help or have questions; just call Member Experience Advisors at 877-239-2942 (TTY: 711).
Does Medicare cover home healthcare; click here to learn more
What does the donut hole mean?
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How to sell Medicare plans over the phone
It is not difficult to learn how to sell Medicare plans over the phone. We will provide the blueprint in the article below. If you do not have experience in Medicare sales, there are some steps to take prior to starting.
You will need a health insurance license to sell Medicare plans
Click here to see the steps to get a health insurance license
Starters guide for Medicare Contracting
After you have an insurance license, there are steps to take for contracting and certifications. Use the link for step by step instructions. Medicare contracting and certifications guide
How to sell Medicare plans over the phone- The set up
There are a number of ways to sell Medicare plans over the phone. The most obvious option is to get set up as a call center/telesales agency. While this set up can ultimately work very well, there are some obstacles to doing it which are time and cost. Call scripts will need approval by the carriers. All calls will need to be recorded as well. The other negative is the cost to start the call center. Those with funding and time to invest should call us to discuss the call center option further at 203-796-5403 or email Edward@croweandassociates.com. For most people we will suggest a different approach.
Selling by phone in conjunction with online enrollment
A quicker and less expensive way to start is selling over the phone and processing enrollment online. The online enrollment function is available at no cost through our online enrollment portal Connect4Medicare (C4M) C4M provides agents with their own approved enrollment website and consumer facing URL. Agents and prospects can quote and compare plans, run drug comparisons, search doctors and enroll prospects online without a face to face meeting. The agent can enroll the prospect or the prospect can self enroll through the link sent to them by the agent. You can text or email the enrollment links. CLICK HERE TO LEARN MORE ABOUT CONNECT4MEDICARE Under this set up, agents can talk to prospects over the phone and then email or text them the link to complete the enrollment.
How to sell Medicare plans over the phone: Generating lead volume
You will need to generate prospects to try to close so figuring out the method to use is important. There are a number of ways to do this but we will focus on two of them here.
Telemarket leads: There are companies that will generate leads by phone at a set price per lead. The calls are recorded and the information is sent to the agent to close the sale. We have worked with a vendor to offer one of the best prices for teleleads. With call back leads at $10.00 and live transfers at $16.00 a large amount of volume can be generated at a low cost. CLICK HERE TO LEARN MORE
Online leads: Online leads are also a good way to generate prospect volume at a low cost. You can get online leads for $8 to $15 each depending on the lead aggregator/lead company. Shared and exclusive leads are available but we suggest using shared leads due to the high price point of exclusive leads.
CLICK HERE TO LEARN MORE ABOUT USING ONLINE LEADS
We offer a free lead program to help off set your lead costs- Learn more about the Crowe and Associates Free Medicare Lead Program
How to sell Medicare plans over the phone: Other important things to know
Having the correct set up for phone sales is important but organization is also key. As a result, it will be important to have a good CRM. Connect4Medicare is a basic CRM but we suggest having your own in order to stay organized. It will be important to keep all prospects in your database, schedule return calls and keep notes on each call. In addition, you need to have a scheduled routine every day. How many leads will you work? What time will you be contacting new prospects vs. calling existing prospects you are working with? Other things to consider are: How much money will you have in your daily lead budget? Do you have access to all competitive plans in the area/states you are working? Thought and preparation is needed in order to be successful when starting any type of phone sales.
WORK WITH ONE OF THE NATION’S TOP FMOs. CLICK HERE TO GET STARTED.
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2021 Medicare updates
2021 Medicare updates will focus on changes that brokers should be familiar with. In most years, CMS (Center for Medicare and Medicaid Services) makes updates and changes to marketing and sales rules and max allowable commissions . One of the larger changes they put in place is the change to the scope of appointment rules. In the past, an agent needed to document the scope of appointment form 48 hours prior to the sale. That is no longer a requirement. SOA forms at the time of the appointment (prior to starting it however) are allowed.
Here are some changes that will impact all Medicare agents:
Commission Increase:
Since 2009 max allowable commissions for Medicare advantage and Medicare part D plans have increased every year. PA, CT, DE, CA, and NJ will continue to have higher max commissions than other states for 2021.Here is the commission breakdown for all states. Click here for 2021 Medicare commissions full grid
| Medicare Advantage | PDP | |||||||
| Plan Year | National Rate | PA, CT, & DC | CA & NJ | National Rate | ||||
| 2021 | $539 | $270 | $607 | $304 | $672 | $336 | $81 | $41 |
2021 Medicare updates: Client referrals
CMS has changed the regulations that limited when an agent could solicit referrals and the types of gifts that can be given for those referrals. Keep in mind, the nominal value of the referral gifts still applies. (Limited to $15 retail value per referral)
Change to marketing event invitations
Invitations to any type of sales (Formal or informal) or educational event through any form of media must have a specific statement: The statement is: “For accommodation of persons with special needs at meetings call <Phone Number and TTY number>.”
2021 Medicare updates: Educational events
Meals may now be offered at educational events. The minimum value rule of $15 still applies however. As a result, agents need to make sure the meal has a retail value of $15 or less.
Crowe and Associates gives agents access to compliance information via the Pinnacle Financial Services websites. We also give agents access to a compliant online enrollment platform through Connect4Medicare and access to a Medicare lead program.
New to Medicare sales?
We offer a number of programs to help new agents get started. Take a look at our sales contracting guide to help you get started. CLICK TO ACCESS MEDICARE CONTRACTING AND SALES GUIDE
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.
Want to learn about the Donut hole in 2022; Click this link.
There are 3 levels of coverage with Medicare Part D:
- You are in 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.
- 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.
- 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:
There is no cost to set up an account with Social Security. Once you have your account; you can receive personal estimates of future benefits that are based on your personal earnings. You can also view your most recent statement, as well as review your earnings history. It is also easy to request a replacement Social Security Card, get your Medicare ID number or check the status of an application. Do this from the comfort of your own home.
Setting up an account is quick:
It only takes a few minutes to set up your personal My Social Security account. Once your account is set up, you have immediate access to your information and all the on line tools they offer.
This a safe & secure government website:
Social Security uses the most up-to-date technology available to protect you personal information. They use all possible security measures to keep you safe and secure.
It’s easy to set up your account from home:
There is no need to travel to the Social Security office you can complete the process from your home in just a few minutes.
CLICK HERE TO SET UP YOUR ACCOUNT
Should you enroll in a Medicare Advantage, Medigap and/or Part D plan? Use our guide for new medicare members to learn about your options CLICK HERE FOR GETTING STARTED WITH MEDICARE GUIDE
After you set up your account; you can access the following information:
- Access the Representative Payee Portal
- Get a Social Security 1099 (SSA-1099) form
- Get a proof of income letter
- Change your address if you’re a Medicare beneficiary
If you would like help choosing a Medicare plan, contact Crowe and Associates. You can reach us either by email at teal@croweandassociates.com or by phone at (203)796-5403.
To use our free Medicare plan quoting and link : click here
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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.
To view an updated post for Aetna OTC; click here
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:
- The OTC benefit is $50 per quarter. This is a total benefit value of $200 per year.
- Members must use the catalog to order their items; they can either call the toll free number or order online
- You can either use the whole $50 benefit at once or you can split it into two separate orders during the quarter.
- Any unused benefit balance will not roll over to the next quarter.
- Members cannot use The CVS extra care card to purchase OTC items.
- OTC items cannot be purchased in the store at the discounted rate.
- You receive free shipping on all orders.
- 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 teal@croweandassociates.com.
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.
THIS POST HAS BEEN UPDATED- CLICK HERE
There are a few ways to order your OTC products:
- 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.
- 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.
- 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 - 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
- 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 2022 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 2022 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 teal@croweandassociates.com.
CLICK HERE TO USE OUR COMPARISON SITE AND FIND THE BEST PLAN OPTION FOR YOU.