Mr.

Greco is in excellent health, lives in his

own home, and has a sizeable income from
his
investments. He has a friend enrolled in a
Medicare Advantage Special Needs Plan
(SNP). His
friend has mentioned that the SNP charges
very low cost-sharing amounts and Mr.
Greco would like
to join that plan. What should you tell him?
SNPs limit enrollment to certain sub-
populations of beneficiaries. Given his
current situation, he is unlikely to qualify
and would not be able to enroll in the
SNP.
Several agents you work with are planning
sales events in your area. One plans on
giving door
prizes worth $5, refreshments valued at $8
per anticipated attendee, and coupon books
with
discounts worth $10. Since no gift or prize
exceeds the $15 limit he believes his plan
is acceptable.
What should you tell them
He can give away more than one gift
during a single event, but the
aggregate retail value cannot exceed $15
Mrs. Fiore was in the Army for 35 years
and is now retired. She has drug coverage
through the VA.
What issues might she consider with regard
to whether to enroll in a Medicare
prescription drug
plan?
She could compare the coverage to see if
the Medicare Part D plan offers
better benefits and coverage than the VA
for the specific medications she
needs and
Since 2004 Ms. Eisenberg has had a
Medigap plan that provides some drug
coverage. She has
received a letter from her Medigap carrier
informing her that her drug coverage is not
"creditable."
She wants to know what this means. What
should you tell her?
The letter is to inform her that the drug
coverage offered through her
Medigap plan does not offer drug coverage
that is at least comparable to that
provided under the Medicare Part D
prescription drug program. If she does
not have such creditable coverage during
periods when she is eligible for the
Part D program, she will face a premium
pen