Rights and Responsibilities Upon Disenrollment
If you decide to disenroll, this means you are ending your plan membership. Disenrollment can be voluntary (your own choice) or involuntary (not your own choice).
You can leave your plan for any reason; however, there are limits to when you can end your membership, how often you can make changes, and what type of plan you can join after you leave.
Usually, you end your membership by enrolling in another plan during a specific enrollment period (see question "When can you end your membership" listed below). But there are two ways you can ask to be disenrolled:
- Make a request in writing - Member Services by calling the number on the back of your ID card for more information on how to do this.
- Contact Medicare - call 800-MEDICARE (800-633-4227), 24 hours a day, 7 days a week. (TTY: 877-486-2048).
There are certain times of the year that all members can leave their Medicare Advantage plan.
- Annual Election Period
All members can leave the plan during the Annual Election Period, which happens from October 15 to December 7. During this time, you can choose:
- Another Medicare health plan, with or without prescription drug coverage
- Original Medicare, with or without standalone drug coverage
If you disenroll in our plan during the AEP, your membership will end when your new plan's coverage begins on January 1.
- Medicare Advantage Open Enrollment Period
You can also send your membership during the Medicare Advantage Open Enrollment Period, from January 1 to March 31. During this time, you can:
- Switch to a different Medicare Advantage plan, with or without prescription drug coverage
- Return to Original Medicare (you will have until March 31 to join a separate Medicare prescription drug plan)
If you disenroll in our plan during Open Enrollment, your membership will end on the first day of the month after we get your request to switch to Original Medicare. If you also choose to enroll in a Medicare prescription drug plan, your coverage will begin the first day of the month after the drug plan gets your enrollment request.
- Special Enrollment Period
In certain situations, you may be eligible to end your membership at other times of the year if you qualify for a Special Enrollment Period (SEP). To see a full list of examples of situations that meet the criteria for Special Enrollment, visit medicare.gov.
To find out if you are eligible for a Special Enrollment Period, please call Medicare at 800-MEDICARE (800-633-4227), 24 hours a day, 7 days a week. (TYY: 877-486-2048).
Other things to be aware of:
- If you receive "Extra Help" from Medicare to pay for your prescription drugs:
If you want to switch to Original Medicare and do not enroll in a separate prescription drug plan, Medicare may enroll you in a drug plan, unless you have opted out of automatic enrollment.
- Try to avoid going without Medicare prescription drug coverage for over 63 days:
You may have to pay a Part D late enrollment penalty if you join a Medicare drug plan later.
- Until your membership ends, you must keep getting your medical services and drugs through our plan: You should continue to use our network pharmacies and, if you're hospitalized on the day your membership ends, you'll usually be covered by our plan until you are discharged (even if it's after your new coverage begins).
Questions? Need more information?
For more on disenrollment, see chapter 10 in your Evidence of Coverage (EOC), which includes detailed information about:
- Ending your membership in the plan
- When you can end your membership
- How to end membership
- Situations where CareFirst BlueCross BlueShield Medicare Advantage must end your membership
Please call our Member Services team at 855-290-5744 (TTY: 711) with questions. Our Member Services hours are 8 a.m.-8 p.m., ET, 7 days a week from October 1 through March 31. From April 1 through September 30, our hours are 8 a.m.-8 p.m., ET, Monday through Friday.
How to Appoint a Representative (AOR Form)
You may appoint a personal representative who will act on your behalf in making decisions related to healthcare, which includes treatment and payment issues, as well as filing an appeal.
This individual can be:
- A family member
- A friend
- A lawyer
- An unrelated party
To appoint a representative, please complete the CMS Appointment of Representative form and send to:
Fax:
443-753-2298
Mail:
CareFirst BlueCross BlueShield Medicare Advantage
P.O. Box 3626
Scranton, PA 18505
Please keep a copy of the Appointment of Representative form for your records.
Part C Medical Coverage Determination, Grievances and Appeals
Members have a right to request an organization determination. (To keep things simple, we use "coverage decision" rather than "organization determination.") If the plan denies coverage for your requested item or service, you have the right to appeal and ask us to reconsider the decision. You also have a right to file a grievance (also called a complaint) about the health plan.
COVERAGE DETERMINATION
A coverage decision is any decision made by the plan regarding:
- Receipt of, or payment for, a care item or service
- The amount you pay for an item or service
- A limit on the quantity of items or services
Any time that we make a decision about what we will cover and how much we will pay for your medical services or drugs, we are making a coverage decision.
Members have a right to request a coverage decision. If the plan denies coverage for your requested item or service, you have the right to appeal and ask us to reconsider the decision. You also have a right to file a grievance (also called a complaint) about the health plan.
You can mail your coverage determination in writing or contact our member services team for more options to submit your Part C Medical coverage determination.
To request a coverage decision regarding medical care you or your representative may:
Mail:
CareFirst BlueCross BlueShield Preservice Review Department
10455 Mill Run Circle, Room 11113-A
Owings Mills, MD 21117
To request a coverage decision regarding payment for medical care you already received you or your representative may:
Mail:
CareFirst BlueCross BlueShield Medicare Advantage Claims
P.O. Box 4495
Scranton, PA 18505
You can call Member Services to request information on a coverage determination or to request an expedited coverage determination verbally.
Concerns about the plan are important to us. For immediate attention to your grievance, you can call our Member Services to submit your grievance verbally for us to assist you in resolving your concerns.
Call:
855-290-5744
Our Member Services hours are 8 a.m.-8 p.m., ET, 7 days a week from October 1 through March 31. From April 1 through September 30, our hours are 8 a.m. - 8 p.m., ET, Monday through Friday.
Under certain circumstances you can request an expedited coverage decision which is also called a "fast coverage decision." A fast coverage decision means that we will make a decision no later than 72 hours after receiving the request.
To get a "fast coverage decision" you must meet both of the following requirements:
- You are asking for coverage for medical care you have not yet received
- Using the standard deadlines could cause serious harm to your health or hurt your ability to function. If we determine that your request does not meet the criteria above, then it will be handled as a standard coverage decision
GRIEVANCES
A grievance is any complaint or dispute expressing dissatisfaction with any aspect of our operations, including our Medicare plans, Member Services, your provider or treatment facility.
You can submit a grievance at any time. You also have the right to withdraw a grievance.
You can file a grievance within sixty (60) calendar days of the date of the circumstance giving rise to the grievance.
The grievance will be sent to our Appeals and Grievance Department for handling. The plan's response may take 30 days or up to 44 days if more information is needed.
Concerns about the plan are important to us. For immediate attention to your grievance, you can call our Member Services to submit your grievance verbally for us to assist you in resolving your concerns.
Call:
855-290-5744
Our Member Services hours are 8 a.m.-8 p.m., ET, 7 days a week from October 1 through March 31. From April 1 through September 30, our hours are 8 a.m. - 8 p.m., ET, Monday through Friday.
You can also fax or mail your grievance in writing to us at:
Fax:
443-753-2298
Mail:
CareFirst BlueCross BlueShield Medicare Advantage
P.O. Box 3626
Scranton, PA 18505
You can also submit a complaint about your plan directly to Medicare.
Online:
Complete the Medicare Complaint Form