Fidelis Legacy Plan has informed thousands of Eastern New York State Medicare beneficiaries that their Medicare Advantage Flex HMO plan won’t be offered in 2019. Click Here for Copy of Notice in PDF Format.
So what happens next?
Individuals who don’t take action before December 31, 2018 will lose their prescription drug coverage and only be covered by Original Medicare starting January 1, 2019. Because their current Fidelis Medicare Advantage HMO plan will no longer be offered, affected individuals can join a new plan between October 15, 2018 and February 28, 2019.
The Fidelis Notice includes a chart of plan options available to affected individuals. I prepared a summary survey of the major 2019 Medicare Advantage PPO and HMO plans available in the New York Capital Region. I am happy to share that summary with you and answer your questions. Please contact me with your name, email or telephone number or request a telephone appointment. (Full disclosure: As a licensed and independent insurance professional, I am authorized to represent several of the insurance carriers offering Medicare plans.)
Another option to Medicare Advantage is a Medigap Supplement policy (they are different) that covers the Original Medicare expenses like Parts A and B deductible, coinsurance and copayment amounts. In most cases individuals have a guaranteed issue right when they lose coverage in a Medicare health plan like the termination of the Fidelis plan. The most popular Medigap plan options are F, G, N and High F.
Individuals enrolling in a Medicare Supplement, or Medigap, Plan will need a separate Part D prescription drug plan. As an independent broker, I am authorized to offer drug plans available through Aetna Medicare, AARP-United Healthcare and SilverScript. I work together with you to identify the plan with the closest match to your drug list and budget. I can help you or a family member, friend or neighbor who may have further questions about the termination of their Fidelis Medicare Advantage Flex plan. Please call (518) 346-2115 or send me a note online.