Medicare disaster policy
When a disaster or emergency has disrupted your ability to access health care, we'll ensure you have access to your benefits.
Disasters and emergencies include:
- Presidential disaster or emergency declaration (under the Stafford Act or National Emergencies Act)
- Declaration of emergency or disaster by a state governor
- Public health emergency declaration by the Secretary of Health and Human Services (under section 319 of the Public Health Service Act)
You'll have access to your benefits for 30-days after whichever of the following occurs first:
- The disaster or emergency is declared over by all sources that made the initial disaster or emergency declaration.
- No end date was identified and all applicable emergencies or disasters declared for the area have ended, either through an expiration of the declaration or any renewal of such declaration.
- Health care access is no longer disrupted.
Medicare Advantage plans
During a qualified disaster or emergency, Medicare Advantage members have access to:
- Coverage of Medicare Parts A, B, and supplemental Part C plan benefits at non-contracted facilities.
- Waiver of applicable requirements for gatekeeper referrals.
- The same cost sharing at non-contracted facilities as they would at plan-contracted facilities.
- Effectuation of the benefit changes right away without the 30-day notice requirement.
In the event that we cannot resume normal operations by the end of the public health emergency or state of disaster, we'll notify the Centers of Medicare & Medicaid Services (CMS).
Medicare Part D Prescription Drug plans
We'll decide when the refill-too-soon edits should be lifted during a disaster or emergency, as long as access to the Part D drug is given at the point-of-sale. We may continue to lift these edits until the end of a public health emergency, or the end of a declared disaster or emergency. In the case of a public health emergency, it ends when the emergency no longer exists or at the end of the 90-calendar-day period starting from the initial declaration, whichever occurs first.
For major disasters or emergencies, we will:
- Pay attention to the closure of disaster or emergency incident periods listed on the Federal Emergency Management Agency (FEMA) website. If, after 30-calendar-days from the initial declaration, the incident period has not officially closed, we are not required to extend the implementation of the refill-too-soon edits, but may consider an extension. If you let us know you're still impacted by the disaster or emergency, we can work with you.
- Make sure you have access to covered Part D drugs dispensed at out-of-network pharmacies if it's not reasonable for you to get these drugs at an in-network pharmacy or such access isn't routine.
- Allow affected members to get the maximum extended day supply, if requested and available at the time of refill.