Medicare can be complicated, and we know you might have questions. We've created this Frequently Asked Questions page so you can find the answers you need, when you need them. Still have questions? Contact us; we're happy to help.
There are many different plans available other than Original Medicare. An RMHP Medicare Salesperson will be happy to help you find the plan that best fits your Colorado lifestyle.
When choosing a Medicare plan, it's important to first understand the basics. Once you know the types of coverage available, consider your budget. Can you afford a monthly premium, and if so, how much? What prescription drugs do you take? How often do you see the doctor? The answers to these questions will help you narrow down your choices.
Some of your selection comes down to personal preference. Some people prefer to pay a higher monthly premium and have a lower deductible. Others feel comfortable knowing they have an out-of-pocket max in place (i.e., the most you will pay for healthcare in a single year).
If you’re not sure what’s right for you, call us; we're here and are glad to help.
No, it is not a requirement. However, if you decide to decline enrollment in a Medicare Part D drug plan when you are first eligible, you may pay a penalty if you choose to enroll at a later date. RMHP will no longer offer Medicare Part D plans in 2018. Instead, we invite our Medicare members to explore Part D coverage from UnitedHealthcare.
Yes, there are additional resources available. Some organizations from which additional information may be requested include:
Senior Health Insurance Assistance Program (SHIP), Colorado Division of Insurance
Visit the SHIP website [Please note: By selecting this link you will be leaving RMHP.org]
Medicare Ombudsman Office
The Evidence of Coverage (EOC) provides more detailed information about:
- Conditions associated with receipt or use of benefits, limitations and exclusions
- Out-of-network coverage: Members of our plan may get services from out-of-network providers. If you get care from an out-of-network provider that is not prior-authorized by RMHP, you will pay the cost-sharing amounts under Original Medicare.
- Grievance, coverage determinations, appeals procedures and exceptions process (For plans with Part D Prescription Drug coverage, see Chapter 9 of the EOC. For medical-only plans, see Chapter 7 of the EOC.)
- Quality assurance policies and policies and procedures, including medication therapy management, and drug and/or utilization management
- Potential for contract termination
- Beneficiaries' and plan's rights and responsibilities upon disenrollment
An RMHP Medicare Salesperson is happy to help answer your questions. From October 1 to February 14, we’re here seven days a week from 8:00 a.m. to 8:00 p.m. From February 15 through September 30, you may reach us Monday-Friday during regular business hours at 888-251-1330 (TTY: 711). Para asistencia en español llame al 888-251-1330.Contact us Request information
This page was last updated: 1/1/2018. Please call to confirm you have the most up to date information about our Medicare Cost plans.
Important Disclaimers: RMHP is a Medicare-approved Cost plan. Enrollment in RMHP depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. Other pharmacies, physicians, providers are available in our network. Medicare beneficiaries may also enroll in RMHP through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. Medicare evaluates plans based on a 5-star rating system. Star Ratings are calculated each year and may change from one year to the next. The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. If you need help finding a network provider, please call 888-282-1420 (TTY 711) or visit www.rmhpMedicare.org to access our online searchable directory. If you would like a provider directory mailed to you, you may call the number above, request one at the website link provided above, or email customer_service@RMHP.org.
Let's Find A Medicare Plan That's Right For You
Since 1977, Colorado retirees like you have trusted RMHP to get the most out of their Medicare benefits. Enjoy easy enrollment, flexible options, and a large provider network when you choose RMHP. Let us help you enjoy your retirement.
Our plans offer the coverage, network, and health management resources you and your family need for your Colorado lifestyle. Get the personalized attention and quality care you deserve from your local health insurance option that has been serving our communities for over 40 years.
Healthy employees build healthy businesses, and your employees receive the health protection they expect and deserve when you partner with RMHP. Whether you’re a small business or large employer, we have a group health insurance plan that will fit your employees’ needs.