America's Benefit Specialist November 2022

MEDICARE MATTERS

The largest national Medicare Advantage network will be available across even more plans in 2023, reaching nearly 96% of people in UnitedHealthcare’s coverage area and more than 3.1 million current enrollees. Members pay network costs when they see any of the more than 1 million network care providers, whether in their neighborhood or away from home. This yearly, in-home health and wellness clinical service is a checkup at no cost. During the visit, a licensed physician or advanced practice clinician will review an individual’s medical history, answer questions, perform a physical exam and offer a health screening. These visits also provide an opportunity to assess the social, emotional and environmental needs of a member that usually cannot be assessed in a clinic setting. Select markets offer UnitedHealthcare At Home, designed to improve access to care, support member education and coor dinate care across providers to ultimately improve health outcomes through touch points including in-home visits and tele phonic support. For D-SNP members, navigators provide one-on-one support for needs ranging from clinical support, social determinants of health, care coordination and more. For more information, visit UHCMedi careHealthPlans.com. FARM BUREAU HEALTH PLANS INTRODUCES NEW MEDICARE OPTIONS Farm Bureau Health Plans is introducing a new zero-dollar premium Medicare Advan tage plan in 36 counties across Tennessee this fall, as the company celebrates 75 years of service to Tennesseans. Farm Bureau Ad vantage HMO combines medical, hospital and prescription drug coverage into one convenient plan while providing access to extras not covered by Original Medicare like PLAN UPDATES

Cigna offers at least one $0 premium MA plan in every market. Most Cigna MA customers will pay the same or reduced premiums compared to last year. New or enhanced plan features, which vary by market, include: • Cigna Healthy Today flex card: Avail able to all customers, this card bundles benefits and incentives for convenient use at participating retailers. Depending on the plan, the card could include up to $200 in wellness incentives, including a reward for volunteerism, dollars to spend on over-the-counter health-related items, and an allowance for fitness supplies, utilities and groceries. • Caregiver support program: Available to customers and their caregivers in select markets, this program provides resources and assistance for issues that arise during caregiving, such as stress-management support and help with organizing medical records, in order to help ease the strain of managing care. • Companionship and support program: To help combat loneliness, customers are paired with a partner who can help with daily activities or keep them company. The program was introduced last year and will be more broadly available. • Part B rebate plans: Cigna has expanded this benefit to about 25% of its MA plans for this year. The rebate, which ranges up to $130, is applied to reducing the customer’s Part B monthly premium. Customers can use these extra dollars for other needs. The majority of Cigna MA plans include hearing, vision, dental and fitness benefits, $0 copays for primary care when visiting in-network providers, meal delivery service following a hospital discharge and coverage of some over-the-counter health-related products. Most customers also have a trans

dental, vision, hearing, a fitness program and telehealth benefits. “Farm Bureau Health Plans has been taking care of our fellow Tennesseans on Medicare since 1966, and we continue to serve our members by helping them find coverage options at price points they can afford,” said Anthony Kimbrough, Farm Bureau Health Plans CEO. “We’re local folks looking after local folks. Our mission is to have a statewide presence in serving Tennes seans so our Medicare Advantage rollout this fall is just the beginning of a multi-year expansion strategy.” FBHP offers an extensive range of health coverage options for both the under-65 and over-65 markets, including traditional individual and family plans, short term care, Medicare Supplement plans, Medicare Part D prescription drug plans, and dental and vision plans. For more information, visit fbhealthplans.com. CIGNA EXPANDS ITS MEDICARE ADVANTAGE PLANS FOR 2023 For the fourth consecutive year, Cigna will grow and diversify its Medicare portfolio to offer more customers and communities their choice of quality, affordable healthcare options. During this year’s AEP, Cigna will offer MA plans with enhanced features and benefits in 581 counties within 28 states, growing its geographic presence by 22%. Cigna has also doubled the size of its MA provider network over the past two years, including significantly increasing the num ber of available specialists. For the first time, Cigna will offer MA plans in New York and Kentucky and in ad ditional counties in Florida, North Carolina, Ohio, Pennsylvania, Texas and Virginia. New metropolitan areas include New York City, Asheville (NC), Cincinnati (OH), Corpus Christi (TX), Jacksonville (FL), Pittsburgh (PA) and Richmond (VA).

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