Medicare part D prescription drug insurance is like any other insurance. It is an insurance that will help lower the cost of prescription drugs for their members. As with other insurance policies, there will be a time that someone other than the member needs to speak to the Medicare part D insurance provider to have certain questions and concerns addressed. This can’t happen unless the beneficiary has given permission to specific people.
Medicare Part D insurance plans have to abide by all patient protection laws. These insurance providers are bound by HIPPA laws just as other companies and facilities are that have access to protected health information. Those that would like to have another person access their account should take the time to complete the necessary paperwork to appoint an authorized representative or submit power of attorney paperwork to the Medicare part D insurance provider.
An Authorized Representative
There are times that a question has to be answered and a Medicare beneficiary isn’t available to ask. During those times, if an authorized representative has been listed in the insurance provider’s records, that person can ask the questions necessary.
An authorized representative has a limited amount of power when it comes to a Medicare part D prescription drug plan. An authorized representative is a person that is allowed to call the insurance provider and get information on behalf of the Medicare beneficiary. They are allowed to call and get information regarding Medicare part D benefits, billing information and many other things.
Although there are things that an authorized representative can do, there are things they are not allowed to do regarding a Medicare part D prescription drug plan. An authorized representative is not permitted to make changes to a Medicare part D insurance plan. They can pass the information to the insurance provider to note the account but there can be no changes made to the actual account unless the Medicare beneficiary gives the company express permission during that telephone call to make the changes the authorized representative is speaking of.
Power of Attorney Designation
Some Medicare part D beneficiaries have a power attorney papers drawn up for many different things. Once these papers have been drafted and drawn up by an attorney, they can be used to help manage many different things. Medicare part D beneficiaries that have their power of attorney designee listed on their Medicare part D prescription drug plan is allowing their designee the same amount of power they have on their insurance plan.
A person that has the power of attorney over someone has the authority to call that Medicare part D prescription drug plan provider and do the same thing that a Medicare beneficiary does. They are able to call and make changes information on the account, request sensitive information be sent to a specific address as well as gain access to the records of the insurance plans. A power of attorney also has the authority to enroll the Medicare beneficiary into a different Medicare part D insurance plan.
When a Medicare part D beneficiary wants their power of attorney to have access to their Medicare part D plan, they have to mail a copy of the actual power of attorney documents to their Medicare part D insurance provider. Once the papers have been reviewed and approved by a legal team, that designation will be added to the account and the power of attorney will be able to manage the insurance plan.
Those that don’t have a power of attorney or an authorized representative listed on their Medicare part D prescription drug plan will find themselves in trouble if they are not able to speak for themselves. There may be a time that a beneficiary is in the hospital and information is needed from the Medicare part D insurance provider. If there is no other person with express permission to gain the information, it may not be given. Medicare beneficiaries should take the time to at least appoint one person to have access to their Medicare part D prescription drug plan just in case the unthinkable happens.