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Frequently Asked Questions (FAQ)

Why is Reid Health changing what Medicare Advantage plans it is participating in?

We want what is best for our patients, and we have been disappointed in how many Medicare Advantage plans have continued to complicate, postpone, and deny coverage to their members. These changes mean decisions about your care will remain between you and your provider.

How long do I have to decide whether I want to change my Medicare coverage?

Medicare’s Annual Enrollment Period runs through Dec. 7, 2024.

Where can I find a list of all the Medicare options available to me?

If you haven’t already, create an account at https://www.medicare.gov. Once you do, you’ll be able to compare all the Medicare options available in the area you live. You’ll also be able to ensure any prescription drugs you might take fall under whatever options you are considering.

Will Reid Health still participate in Medigap plans from insurance companies other than Anthem and UnitedHealthcare?

Reid Health participates in all Medicare supplements, including all Medigap plans.

How does this affect emergency care?

If you are experiencing a medical emergency, always go to the nearest emergency room. Your insurance company is required to pay for any emergency services at in-network rates.

How long will Reid Health remain in-network with Anthem and UnitedHealthcare Medicare Advantage plans?

Agreements we reached with Anthem and UnitedHealthcare earlier this year are in place through Dec. 31, 2026.

My Humana Medicare Advantage PPO plan is supplied by my employer as a retirement benefit. Can I use it at Reid?

Yes. Humana Group PPO plans allow you to use your plan with in-network and out-of-network providers. As a result, you can use your Humana Group PPO Medicare Advantage plan at Reid. Humana shared you will not see an increase in your co-pay or out-of-pocket expenses by coming to Reid for services. In other words, you do not need to make any changes to your plan or providers. For more information, please click here.

I purchased a Humana Medicare Advantage PPO plan. Can I use it at Reid?

Yes. Your Humana Medicare Advantage PPO allows you to use your plan with in-network and out-of-network providers. However, depending upon your plan structure, you might have increased co-pays or out-of-pocket expenses when doing so. Humana suggests calling the number on the back of your insurance card if you have questions about your out-of-network benefits.

I purchased a Humana Medicare Advantage HMO plan. Can I use it at Reid?

Reid is not in-network with Humana Medicare Advantage HMO plans. If you choose to maintain your plan and use Reid services, you will have increased out-of-pocket expenses. You are encouraged to change your Medicare Advantage plan to an Anthem or UnitedHealthcare Medicare Advantage plan or opt to participate in Traditional Medicare.

My Aetna Medicare Advantage PPO ESA plan is supplied by my employer as a retirement benefit. Can I use it at Reid?

Yes. Aetna PPO ESA plans allow you to use your plan with in-network and out-of-network providers. As a result, you can use your Aetna Group PPO ESA Medicare Advantage plan at Reid. For those members who have an Aetna Group PPO ESA plan (for example, Verizon retirees), Aetna communicated to Reid you will not see an increase in your co-pay or out-of-pocket expenses by coming to Reid for services. In other words, you do not need to make any changes to your plan or providers.

My Aetna Medicare Advantage PPO plan (without ESA) is supplied by my employer as a retirement benefit. Can I use it at Reid?

Yes. Aetna PPO plans allow you to use your plan with in-network and out-of-network providers. As a result, you can use your Aetna Group PPO Medicare Advantage plan at Reid (for example, Ohio Retired Teachers Association members). However, depending upon your plan structure, you might have increased co-pays or out-of-pocket expenses when doing so. Aetna suggests calling the number on the back of your insurance card if you have questions about your out-of-network benefits. If the information you receive from Aetna doesn’t meet your needs, you might want to explore changing your Medicare Advantage plan to an Anthem or UnitedHealthcare Medicare Advantage plan or opt to participate in Traditional Medicare.

I purchased an Aetna Medicare Advantage HMO plan. Can I use it at Reid?

Reid is not in-network with Aetna Medicare Advantage HMO plans. If you choose to maintain your plan and use Reid services, you will have increased out-of-pocket expenses. You are encouraged to change your Medicare Advantage plan to an Anthem or UnitedHealthcare Medicare Advantage plan or opt to participate in Traditional Medicare.

Does this affect commercial insurance through my employer?

Reid Health’s decision to streamline the number of Medicare Advantage plans it participates in does not affect commercial insurance provided through your employer, but a retiree plan that includes Medicare Advantage might be affected (see questions above).

I really want to talk to someone about this to help me understand, who should I call?

You can reach out to the Reid Health Community Helpline at (765) 965-4250. You can also use the State Health Insurance Assistance Program (SHIP), a free and impartial counseling program for people with Medicare.

The toll-free number for people to schedule an appointment with an Indiana SHIP counselor is (800) 452-4800. SHIP counselors in Wayne County include:

To find SHIP counselors in other Indiana counties, go to https://www.in.gov/ship/find-an-indiana-ship-location.

Information about SHIP counselors in Ohio can be found at https://insurance.ohio.gov/about-us/divisions/oshiip.