Talk to your doctor about a drug before you fill it

Many people stop taking drugs because they cost too much, didn’t seem to work or had ugly side effects. If you stop taking a drug, your health problem may get worse and wind up costing you more later. You can save yourself from going down this path by asking your doctor a few easy questions:

About your coverage

  • Is the drug covered?
  • Why do I need this drug?
  • Will a generic work for me?
  • Do I need to try a generic or other drug first?
  • Is there an over-the-counter option?

About the drug

  • Are there any side effects?
  • How often should I take the drug?
  • For how long will I be taking the drug?
  • Must I avoid certain foods, drinks or other things while I’m taking the drug?
  • What should I do if I forget to take a dose?
  • How will the drug interact with other drugs I’m already taking?
  • Do I need to wait for approval?

 

Talking to your doctor about the drugs he or she orders is important. You’ll feel more comfortable taking a drug that best treats your health problem and have fewer surprises at the pharmacy.

 

Find out about Blue Cross covered drugs here

Find out about Humana covered drugs here

Changes Happening to the 2017 Humana Drug Lists

Starting January 1, 2017,* some of the medicines covered by Humana’s prescription drug plan may change. 

What do these changes mean? Some medicines will have new requirements. (Specific state regulations may apply.) These requirements include:

  • Prior Authorization: The member’s doctor must contact Humana to get approval before he or she fills or refills a prescription for any medicine that requires prior authorization. His or her plan benefits won’t cover this medicine without prior authorization, and he or she will pay the entire cost of the medicine if he or she decides to buy it.
  • Step Therapy: Sometimes there’s more than one medicine that works to treat a health condition. Some medicines may cost less but work just as well. Before a prescription is filled for a medicine that costs more, the member may be asked to try at least one other medicine first.

If the member’s doctor thinks the other medicine isn’t right for him or her, he or she will need to request approval from Humana to use the medicine that costs more. His or her plan benefits won’t cover this medicine without approval, and he or she will pay the entire cost of the medicine if he or she decides to buy it.

  • Quantity Limits: A member has a limit on the amount of some medicines he or she can fill during a period of time. These limits can be placed on some drugs because of safety concerns and help prevent misuse of these drugs. If the member’s prescription is over the limit, there are two choices:He or she can get the amount of medicine that’s covered by his or her plan benefits and then pay out of pocket for any medicine that’s over the limit.

OR If his or her doctor thinks more medicine is needed, he or she can ask for approval from Humana for the amount of medicine that goes over the limit.

  • Tier Changes: The member’s medicine(s) is grouped into different tiers. For each tier, he or she will pay a different amount. If a member fills or refills a prescription for a medicine that’s moving to a different tier, he or she may have to pay more or less.
  • Not Covered: Starting January 1, 2017,* some medicine(s) will no longer be on the member’s Drug List. If a member fills or refills a prescription for any medicine that isn’t covered under his or her benefit plan, he or she will have to pay the full cost of the prescription.

The member’s doctor can ask Humana to make an exception to cover his or her drug if it’s not on our Drug List. Generally, Humana will only approve a request for an exception if the alternative covered drugs wouldn’t be as effective in treating his or her health condition and/or would cause adverse medical effects. To ask for an exception, the doctor can contact HCPR at 1-800-555-2546 between 8 a.m. – 6 p.m., Monday – Friday.

Why is Humana making these changes? 
Humana reviews and updates the Drug List to help ensure safety and offer cost-effective choices for drug benefits. Updates to the drug list can happen when medicines have changes in dosing and prescribing guidelines. The selection of available medicines may also change. This can happen when a drug is removed from the market by the Food and Drug Administration (FDA) or a drug’s manufacturer, or a new drug becomes available and is added to the drug list.

Next steps
Visit Humana.com/Druglist after October 15, 2016 to review the latest Drug Lists and changes in 2017. If you have questions, please contact your Humana Sales Representative.

Humana clients and their employees will receive notification from us explaining these changes.

*For Texas, Louisiana, and Puerto Rico Fully Insured groups, these changes start on each group’s renewal date in 2017

Humana dental digital member ID cards

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Humana Dental commercial group members now have the convenience of a digital member ID card.

Why is a digital card better than a paper card? Here are a few reasons:

  1. By accessing a digital ID card, members don’t have to keep the paper version in their wallet anymore
  2. Online means up-to-date. As soon as an account with Humana Dental is updated, the digital ID card is updated
  3. Members can email or fax a copy of the card to a provider
  4. Members can print copies to give to providers
  5. A digital ID is environment- friendly by reducing the production of a plastic products

How to access the card?

All members: To access a PDF or print or email a Humana Dental ID card, sign in to MyHumana. Once signed in to MyHumana, access the digital card from the Access ID Card link. If the member is not registered with a password and user ID yet, it’s simple to follow the steps to set this up from Humana.com

Smartphone users: Is a smartphone user, members can view or fax an ID card from the MyHumana mobile app. To search for the app, visit an app store and search by typing “MyHumana.” Once you launch the app and securely sign in, a Humana Dental ID card will appear on the phone under the tooth icon.

Still want a card?

You can still get a physical card. Here’s how:

  1. Members can go to MyHumana and locate the card from the Access ID Card link and print directly from the site.
  2. The Benefit Administrator can print the card via Employer Portal.

What if a member can’t locate the card or find the app?

Contact Humana via MyHumana secure email or through their toll-free number, 1-800-233-4013.

Humana & Blue Cross digital doctor visits

TELEMEDICINE

Group employees can talk to a telemedicine doctor for $40 or less

Based on the medical plan, the copayment or retail clinic benefit cost for your employees may be less. A trip to the emergency room or urgent care can be costly – especially for minor injuries or illnesses.

But with telemedicine, your employees can quickly connect by video and see a board-certified doctor using a smartphone, tablet or computer. Whether it’s an after-hours consultation or during travels, Humana’s telemedicine benefit is access to care that is easy, convenient and more affordable for your employees to get the right type of care to stay healthy.

What is telemedicine?

Humana’s two pillars of telemedicine are eVisits and Remote Monitoring with a primary focus on expanding access and delivering integrated care to our members where and when they need it.

eVisits allow real-time secure video to enable doctor visits for certain, non-emergency care; think of an eVisit like secure Skype™ or Facetime™ session.

Telemedicine is a video on-demand, 24-hour service to access care from board-certified physicians

  • Video visit with a physician from one of Doctor On Demand’s U.S. board-certified doctors
  • Immediately video visit with a doctor 24 hours a day, 7 days a week from any location
  • Members can share notes from their telemedicine visit with their primary care doctor
  • If medically necessary, a Doctor On Demand can send a prescription to a preferred pharmacy

What can be treated by telemedicine?

Telemedicine should be considered when a primary care doctor is unavailable, after-hours or on holidays for non-emergency needs. Doctor On Demand physicians can treat ailments, such as:

  • Colds, sore throat and flu symptoms
  • Upper respiratory infections
  • Allergies and sinus infections
  • Ear and eye problems
  • Skin conditions

This service is not for emergency situations such as chest pain, abdominal pain or shortness of breath.

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TELEMEDICINE-2

 

 

 

Individual and employees can talk to a telehealth doctors online.

Blue Cross members are able to access telehealth services in their quests for affordable and convenient quality medical care. LiveHealth Online has saved Blue Cross members between two and three hours of time from traditional office visits, giving them more time for work, friends, family, or whatever things that they like best.  With telehealth apps like LiveHealth Online, getting hold of a doctor is now easier than ever. Whether you are a college student, young professional, a family, or an empty nester who likes to travel, we can all appreciate products that make life easier.

Sign up for LiveHealth Online and have a face-to-face conversation on your computer or mobile device. Download the app or sign up online today.

Sometimes you just need a doctor. And thanks to the Internet, you can connect to one anytime, anywhere – whether it’s the middle of the night or the middle of a road trip.

Select a doctor, and he or she can answer questions, assess your condition and even provide a prescription* if needed.

Log in and you’ll see a list of doctors available and ready to talk 24 hours a day, 7 days a week just in case something happens.

*Prescription availability is defined by physician judgment and state regulations.

Apple LiveHealth Online download

Android LiveHealth Online download

 

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Continue reading “Humana & Blue Cross digital doctor visits”

New year, new plan

 

NEW YEAR-2

If you have a new plan this year here are some things we want to remind you about:

1. Ifnoun_225916_cc your member number has changed you NEED to reset your automatic bank draft

If you have a plan with Blue Cross you you can download the PDF below, fill out your information and send it to us WITH A VOIDED CHECK and we will take care of reseting your bank draft for you.

Bank Draft Authorization

noun_18428_cc2. Stay in your network

Before you go to the doctor, visit these online directories to make sure you’re staying in network.

Blue Cross Directory

Humana Directory

Vantage Directory

United Health Care Directory

noun_1188_cc3. Pick a primary care doctor

If you have an HMO plan, you should choose a primary care doctor. A general practice, family practice, internal medicine doctor or pediatrician will handle most of your family’s healthcare needs.

 

Humana Cost Comparison Tool

Humana’s new Cost Comparison Tool is now available to Group members on the MyHumana website to help them estimate and compare medical costs in their area prior to a procedure. The tool is designed to help members evaluate their options, understand what to expect during the course of a treatment, save time, and spark conversations with their doctor about ways to save money on healthcare.

Humana Group members can access the Cost Comparison Tool by logging onto myHumana, scrolling to “Plan Tools,” and clicking on “Cost Comparison Tool.”

Q. What is included in my estimate? What happens if I receive additional treatment during the actual procedure or service?

A. Your estimate includes costs for a specific group of procedures and services you will likely receive at a facility over the course of your treatment. If you receive any additional care during the treatment procedure or service, there will be additional medical expenses.

Depending on your plan, you may be responsible for paying some or all of those additional costs. Please note: these estimates are for informational purposes only.

Q. Should I talk with my doctor about treatments, procedures or services I saw on the Cost Comparison Tool?

A. Yes! Please talk to your doctor, dentist or other healthcare provider about what type of care is best for you. We have heard from doctors, and they actually appreciate informed questions. In addition:

  • Print your cost estimate and bring a list of questions about treatment options and costs with you.
  • If you have medical or health-related questions, contact your healthcare provider.
  • Let your provider know your plans before you take any medicine, change any medicine or stop any treatment. If you think you may have a medical emergency, immediately call 911.

Q. Will the Cost Comparison Tool tell me what healthcare I need?

A. No. The Cost Comparison Tool is for informational purposes only. It is intended to help you:

  •  Evaluate your options.
  • Understand what to expect during the course of a treatment.
  • Spark conversations with your doctor.

The information here or on any linked sites is not a substitute for the medical advice of your doctor, dentist or other healthcare provider. However, we endorse guidelines developed by health experts at federal agencies such as the Centers for Disease Control and the U.S. Department of Health and Human Services. Your doctor or dentist may use these guidelines to plan your general wellness care and other types of treatment.