Care Improvement Plus Arkansas Medicare Advantage Regional PPO Plan Goldentouch agency used w/ Care Improvement Plus to qualify patient for more benefits like meals on wheels and payment of Part B Plan Information on ins. card : ID# 100231907; RX Bin 640014; Rx PCN questions about billing, cancelling coverage 11-30-2011; unwillingness to LISTEN TO PROBLEM, UNCOOPERATIVE REPEATEDLY. I had to make many phone call to get no answers to my questions. My lawyer i w Lexington, (for RX), Kentucky

The reason you are having trouble finding a doctor to take this insurance is that it is terrible to both parties, the Patient and the Doctor.  The cover generic medications and if you need to go above that, there is 2-3 pages of paperwork to complete or a 30 minute phone call to the company.  Many tests that need to be done have to be approved with the same as above.   The rates that they pay the doctor for a routine visit do not cover the cost of paying the nurse, receptionist and keeping the lights on, let alone anything left over for the doctor.  I take virtually all insurance plans.... I no longer take this one.

I have been a customer of Care Improvement Plus for a little over a year now, and have been completely satisfied.  I am diabetic, and this company is they only Medicare Advantage plan I have found to date that will cover my Byetta prescription with no hassles like prior authorization.  The only complaint I have is that I wish they offered a few more doctors in their network, but the one I've found is great so that really isn't that much of a complaint.

Perhaps I can put a little perspective on the issue with the Golden Touch program.  This is a program that they offer in conjunction with a company called Social Service Coordinators.  Essentially, this is an additional service they offer that can save you money by seeing if you are eligible for certain benefit programs such as a Medicare Savings Plan - which is a program offered by state Medicaid offices that will pay your part B premiums for you.  The reason that they ask all of those questions is those questions are part of the application process for these programs.  In my case, I've actually beaten them to the punch and filed the applications myself with the local DFCS office, hence we didn't really get into those questions when they called me.  Hopefully, this provides a little insight as what was going on with the questions about life insurance, burial plots, etc.  Many states require this type of information on resources that you have available to you as part of the qualification process for these programs.

As to the cancellation, it is true that they (as other medicare advantage programs do) will cancel you if you don't have both part A and part B from Medicare.  This was clearly stated in the Evidence of Coverage book they sent me when I first signed up.  The other medicare advantage programs I checked into had this requirement as well.

Hope this helps.

     My wife and I own an independent insurance business and we have over 100 clients with Care Improvement Plus and they offer consistently the best customer care and service of any company we sell for representing Medicare products.  That is what our clients will themselves tell you.  

     There are always situations that are very much the exception with every insurance company.  In this case reported; a person lost their Medicare Part B which would result in an automatic dis-enrollment from any Medicare advantage program.  

     Our clients for the most part consider us family and love CIP.  They also refer us to family, neighbors and relatives quite enthusiastically.  

I know nothing about the company that was mentioned that was representing CIP.  CIP offers no life insurance etc. so that was not anything related to them.  They offer advantage plans only and really help a lot of diabetics and people with heart failure.  That has been a blessing to our client "friends."