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Terms you may find on our website 


Annual Enrollment Period (AEP) If you’re a Medicare member, this is a set time when you can change your health or drug plan, or switch to Original Medicare. The Annual Enrollment Period is from October 15 until December 7.
Appeal If you disagree with our decision to deny your coverage, you can ask us to reconsider it. We call this an appeal. You can appeal our denial for health care services or prescription drug coverage. 


Beneficiary This is a person who has health care insurance through a Medicare or Medicaid program. 


Case management programs These programs help people with complex care needs. Case managers help to coordinate care. 
Catastrophic coverage stage This is the drug coverage stage that happens after you get out of the coverage gap (donut hole). With catastrophic coverage, you only pay coinsurance or a copay for covered drugs for the rest of the year. 
Centers for Medicare and Medicaid Services (CMS) CMS is a federal agency. It runs the Medicare program. It also works with states to run the Medicaid program. 
Coinsurance Amount you may have to pay for your share of services. Coinsurance is usually a percentage (for example, 20 percent). 
Complaint The formal name for “making a complaint” is “filing a grievance.” You can use the complaint process for certain types of problems you may have with your plan’s service. These include issues with quality of care, wait times and customer service. Also see “Grievance.” 
Copay / Copayment Amount you may have to pay for your share of services. Copays are usually a set amount (for example, $10 for a prescription drug or $20 for a doctor’s visit).
Cost sharing

These are amounts that your plan may require you to pay for your care. Examples of cost-sharing can include a deductible, copayment or coinsurance. 

Coverage gap We also call this the “donut hole.” Within the coverage gap, you pay for your prescription drugs and the plan doesn’t pay. The coverage gap occurs after you reach your initial coverage limit. It lasts until the expenses you pay add up to a certain amount. 
Coverage determination This is a decision about coverage. We also call it a coverage decision. If you believe your plan should cover the drug, but a pharmacy charged you for the drug in full, you can ask your plan to consider paying you back. 


Deductible This is the amount some plans require you to  pay for covered services before the plan starts to pay. 
Disenroll This means to end your membership in our plan. Disenrollment may be voluntary (your choice) or involuntary (not your choice). 
Drug tier This is a group of drugs on a formulary. Each group or tier requires a different level of payment. You might see the groups listed as generic drugs, brand-name drugs or preferred brand-name drugs. Higher tiers usually have higher cost sharing. For example, a drug on Tier 2 generally will cost more than a drug on Tier 1. 


Enrollee This is a member of our Medicare plan. 
Evidence of Coverage (EOC) The EOC gives you detailed information on your plan’s coverage, costs and your rights and responsibilities as a plan member. 
Exception This is a type of coverage determination. If approved, an exception may let you get a drug that’s not on your plan’s formulary (a formulary exception). Or, you could get a non-preferred drug at the lower, preferred, cost-sharing level (a tier exception). You may also ask for an exception if your plan requires you to try another drug before giving you the drug you’re requesting (called step therapy). Another example is if the plan limits the quantity or dosage of the drug you’re requesting. 
Extra Help This is a Medicare program. It helps people with limited incomes and resources pay their Medicare prescription drug plan costs, such as premiums, deductibles and coinsurance. 


Formulary This is a list of prescription drugs that a prescription drug plan or another insurance plan covers. It’s also called a drug list. 


Grievance This is a type of complaint that you make about us or one of our network providers or pharmacies. A grievance can include a complaint about the quality of your care. This type of complaint does not involve coverage or payment disputes.
Group health plan We also call this group coverage. This is a health plan that an employer or other group may offer to people like retirees.


Health Maintenance Organization (HMO) With most HMO Plans, you can only go to doctors, other health care providers or hospitals in the plan’s network except in urgent or emergency situations. You may need to get a referral from your primary care doctor.


Initial coverage limit This is a set amount of drug costs. They include what you pay, plus what your plan pays. When you reach the initial coverage limit, you enter the coverage gap (donut hole), and the terms of your benefits change.
Initial coverage stage This is the stage before your total drug costs have reached the initial coverage limit. Total drug costs include what you have paid and what your plan has paid.
Initial Enrollment Period (IEP) This period lasts for seven months. It centers on the event that qualifies you for Medicare. For most people, that event is your 65th birthday.
In network This means we have a contract with a doctor or other health care provider. We negotiate reduced rates with network providers to help you save money. Network providers won’t bill you for the difference between their standard rate and their contracted rate. All you pay is your coinsurance or copay, along with any deductible.


Late enrollment penalty If you go without creditable coverage for at least 63 days in a row, your monthly premium for Medicare drug coverage will include an extra amount. This amount is your late enrollment penalty. You’ll pay this extra amount for as long as you have a Medicare drug plan. There are some exceptions. For example, if you receive Extra Help from Medicare to pay your prescription drug plan costs, you won’t pay a late enrollment penalty.
Low-income subsidy (LIS) See ”Extra Help.”


MA Plan This type of Medicare Advantage Plan doesn’t cover prescription drugs.
MAPD Plan This type of Medicare Advantage Plan includes Medicare prescription drug coverage.
Maximum out-of-pocket amount This is the most you’ll pay in a year for certain health services. See your Evidence of Coverage for more information, including the maximum amount you’ll pay.
Medicaid (Medical Assistance) The federal government and state governments jointly fund Medicare. Each state administers it. It provides health care coverage for people with low incomes.
Medicare This is a federal health insurance program for people age 65 or older. Some people under age 65 also may be eligible for Medicare. People with Medicare can get their health coverage through Original Medicare, a Medicare Cost Plan, a PACE (Program of All-inclusive Care for the Elderly) plan or a Medicare Advantage Plan.
Medicare Advantage Disenrollment Period This is a set time each year when a Medicare Advantage Plan member can cancel their plan enrollment and switch to Original Medicare. The Medicare Advantage Disenrollment Period runs from January 1 until February 14.
Medicare Part D This is an optional Medicare plan. It covers some prescription drugs. A MAPD plan is a Medicare Advantage Plan that offers prescription drug coverage. A PDP plan is a separate Medicare prescription drug plan.
Member A member is a person with Medicare who is eligible for covered services and has enrolled in our plan. The Centers for Medicare & Medicaid Services has also confirmed their enrollment.


Network This is a group of health care providers. It includes doctors, dentists and hospitals. A health care provider in a network signs a contract with a health plan to provide services. Usually, a network provider provides these services at a special rate. With some health plans, you get more coverage when you get care from network providers.
Network pharmacy This is a pharmacy that has a contract with our plan. In most cases, we only cover your prescriptions if you fill them at a network pharmacy.
Network provider This is a provider that has an agreement with our plan. The plan pays a network provider based on the agreement. We also call network providers plan providers.


Optional supplemental benefits These are benefits that Medicare doesn’t cover. You can purchase them for an additional premium.
Organization determination (coverage decision) This is a decision about whether we cover items or services or how much you have to pay for covered items or services. 
Out-of-network pharmacy This is a pharmacy that doesn’t have a contract with us. We don’t cover most drugs you get from out-of-network pharmacies, unless certain conditions apply.
Out-of-network provider or out-of-network facility These are providers or facilities that don’t have a contract with us to deliver covered services to you.


Point-of-Service option (POS) This type of health plan lets you see network providers. You can also see providers outside the network. In many POS plans, if you use referrals and see a primary care physician (PCP), you get more coverage. You may also pay less for care. You can still get care from a provider who isn’t a PCP, but you might pay more for that care.
Preferred pharmacy This is a pharmacy that contracts with a Part D plan. It gives you covered prescription drugs at negotiated prices. Cost sharing is often lower at preferred pharmacies. The plan must let you know that it offers preferred and standard pharmacy network benefits. We identify preferred pharmacies differently in your online directory.
Preferred Provider Organization (PPO) With this health benefits plan you can choose any doctor. You don’t need to choose a primary care physician or get referrals. Network providers usually provide more coverage and cost less.
Premium This is the amount you pay for coverage. If you get coverage from an employer or group health plan, the costs might be shared between you and the employer.
Primary Care Physician (PCP) or Primary Care Doctor A PCP is a doctor who is part of a health plan's network. Your PCP is your main contact for care. A PCP gives you referrals for other care. They coordinate the care you get from specialists or other care facilities. Some health plans require you to choose a PCP.
Prior authorization Some services or prescription drugs require your doctor and the plan to approve them before you get care or fill a prescription. The approval tells you if the plan covers the service or prescription. Check with your plan to see which drugs or services need prior authorization. Prior authorization is also called precertification, certification and authorization. In Texas, this approval is known as pre-service utilization review and is not verification as defined by Texas law.
Provider This is a doctor, hospital, pharmacy or other licensed professional or facility that provides medical services.


Quantity Limits (QL) With most drugs, only a certain amount can be dispensed at once for safety, quality or usage reasons.


Special Enrollment Period (SEP) This is also called a special election period. If you have a Medicare plan, it’s a time when you can change your benefits because something in your life changes. Examples are moving out of a plan’s service area or being able to get Medicaid.
Special Needs Plan (SNP)

This is a type of Medicare Advantage Plan. It provides more focused health care for specific groups of people, such as those who:

  • Have both Medicare and Medicaid
  • Live in a nursing home
  • Have certain chronic medical conditions
Step therapy Step therapy requires you to try another drug to treat your medical condition. We see if it works before we cover the drug that your doctor may have originally prescribed. 


Aetna Medicare is a PDP, HMO, PPO plan with a Medicare contract. Our SNPs also have contracts with State Medicaid programs. Enrollment in our plans depends on contract renewal.

See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area.

       NR_GRP_CCP_2014_4000_43 (04/2014)

       Page last updated: Mon Oct 02 12:10:56 EDT 2017

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