How moving may impact your health insurance and how Healthcare Pathfinder (HCP) can help.
When you or a family member need to move you should consider how health insurance coverage might be impacted. Here are some situations in which you might need to change your plan or your providers: 1. Moving to a new state. 2. Moving out of the insurance plan providers’ network. This might be an HMO type of insurance plan or Medicare Advantage plan. 3. If you have providers in multiple states.
Here’s an example of a former HCP client situation:
Joan moved from Rhode Island (RI) to Connecticut (CT) to be closer to her daughter and receive more care in an assisted living community. Upon moving, they discovered that Joan’s RI-based Medicare Advantage plan did not cover her new CT doctors or Visiting Nurse services. Joan needed to switch to a CT-based Medicare Advantage plan or to Original Medicare to receive coverage in CT.
Realizing the complexity of this transition, the assisted living community recommended Healthcare Pathfinder (HCP) services to help Joan and her daughter navigate the process. HCP provided the following invaluable assistance:
- Researched and recommended options: HCP reviewed Joan’s healthcare needs and recommended the best Medicare options. Joan’s daughter wanted her mother to visit any Medicare provider, hospital, or rehabilitation center, so they chose to switch to Original Medicare and enroll in a prescription drug plan and Medicare Supplement(Medigap) plan for comprehensive coverage.
- Facilitated the transition: HCP handled the enrollment in CT-based plans and ensured Joan’s RI insurance was canceled when the new coverage started. This seamless transition ensured there were no gaps in Joan’s coverage.
- Managed administrative details: HCP ensured Joan received all necessary ID cards, set up premium payments, and confirmed the cancellation of her RI plan.
Joan’s daughter was immensely relieved to have HCP manage this complicated process. HCP’s expertise ensured Joan’s healthcare needs were met without interruption, highlighting the critical role of HCP services in managing healthcare transitions.
When HCP completed Joan’s transition, she joined their Elite Client Services community. Elite Client services are for individuals or families who would like dedicated healthcare advice, advocacy, and management services. The goal is to provide ongoing proactive management of health and long-term care coverage and healthcare needs.
At Healthcare Pathfinder, we help create peace of mind for our clients.