Did you get a letter from FCMG about not participating with Excellus BCBS for 2022? Here is what you need to know:
Stand by …. Apparently, nothing finalized with BCBS yet.
Here is part of an email I received from my agent upline/managers, at BCBS:
“We are trying to see why this letter was sent when nothing has been finalized yet. We are still working on an agreement with them (FCMG). Please stand by until you hear something from me. No agreement has been made yet. “
What Are Your Options?
If you wait a week or so to see if a contract agreement is finalized (let’s say by the end of October) we can always change your plan during the Annual Enrollment Period: October 15th to December 7th.
You do have another enrollment opportunity to change your Medicare Advantage plan, which is January 1st to March 31st. This is called the Open Enrollment Period and can only be used when changing Medicare Advantage plan to Medicare Advantage plan.
Now what is really going on?
I know this is a disruption to everyone who has FCMG (Family Care Medical Group). I also know if you have had a doctor for a long time, no one wants to change doctors. I get it!
But for the last two weeks I have been receiving information from a lot of different sources about this situation. FCMG dropped Excellus BCBS abruptly, without Excellus knowing that letters were being sent to FCMG patients that FCMG won’t be participating with Excellus for 2022.
So here is the other half of the story, communicated to me … you decide:
Dr. Brody from FCMG apparently wants to create his own insurance company called Salt City Senior Care Advantage. He apparently hired a third-party company called Health Care 360 (for the time being) to handle the transition and send out letters to FCMG patients. Apparently, this third-party company Health Care 360 will also be handling changing your enrollment to another company and taking you out of Excellus BCBS plan to help you find another plan. This Health Care 360 is an insurance agency.
You may have received a postcard for you to sign to allow Health Care 360 to call or contact you (which a client just emailed me a copy of the card today).
PLEASE DO NOT DO THIS. I AM YOUR AGENT OF RECORD AND I AM PAID TO SERVICE YOUR NEEDS REGARDING MEDICARE, regarding your questions and changing plans. This is how I get paid.
Here Is The Other Problem:
You need to find out if FCMG has authorization from you (by signing a form giving authorization to FCMG, from the doctor’s office) to give (or possibly sell) your information to other Medicare insurance carriers to offer you Medicare plan options or other insurance. This is a compliance issue and falls under PHI and PII laws and regulations. I will stop there!
Here are the meanings of PHI and PII: