Understanding Your Coverage
The Medicare Advantage plans from Universal American’s family of healthcare companies all offer coverage for visits to doctors and specialists, but each type of plan works a little differently.
Today's Options® PFFS
is a Medicare Advantage Private Fee-for-Service (PFFS) plan. Our plan gives you the freedom to choose which doctors, specialists, and hospitals you visit, provided they participate in the Medicare program and accept the terms and conditions of our plan. With a Today's Options PFFS plan, you are not locked in to a network of doctors and hospitals. We do not require a referral to see a specialist, and there is no limit on covered office visits so you can see your doctor as often as you choose.*
*A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan. Your provider is not required to agree to accept the plan’s terms and conditions of payment, and thus may choose not to treat you, with the exception of emergencies. If your provider does not agree to accept our terms and conditions of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept our terms and conditions of payment. Providers can find the plan’s terms and conditions of payment on our website at: www.TodaysOptions.com.
A health plan with a Medicare contract.
Today’s Options® PFFS is offered by the following organizations that contract with the Federal government: American Progressive Life & Health Insurance Company of New York and The Pyramid Life Insurance Company, members of the Universal American family of companies.
Benefits, formulary, pharmacy network, premium and/or copayments/co-insurance may change on January 1, 2013. Limitations, copayments, and restrictions may apply. The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. You must continue to pay your Medicare Part B premium. You may enroll in the plan only during specific times of the year. Contact Today's Options PFFS for more information. You must have Part A and Part B to enroll in the plan. We have formed a network of pharmacies. To receive plan prescription drug benefits, you must use a network pharmacy, except in non-routine circumstances, and quantity limitations and restrictions may apply. You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for extra help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/7 days a week; The Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or Your State Medicaid Office.
This information is available for free in other languages. Please contact our Customer Service number at 1-866-568-8921, 8:00 a.m. to 8:00 p.m. in your local time zone (TTY users call 1-877-907-2986) 7 days a week for additional information.
Esta información está disponible sin cargo en otros idiomas. Para obtener más información, comuníquese con el Servicio de Atención al Cliente al número 1-866-568-8921, de 8:00 a.m. a 8:00 p.m. en su zona horaria local (los usuarios de TTY deben llamar al 1-877-907-2986) los 7 días de la semana.