• Report: #857953

Complaint Review: Care Improvement Plus Arkansas Medicare Advantage Regional PPO Plan

  • Submitted: Thu, March 22, 2012
  • Updated: Sun, October 21, 2012

  • Reported By: Sharon W. Withers — Hot Springs National Park Arkansas USA
Care Improvement Plus Arkansas Medicare Advantage Regional PPO Plan
P.O. Box 488 Linthicum, MD 21090-1488 Lexington, (for RX), Kentucky United States of America

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

*General Comment: Cant Find a Doc? Make sure you have the PPO

*General Comment: Can'f find a Doc to take Care Improvement Plus

*Consumer Comment: I've been satisfied with Care Improvement Plus

*General Comment: Care Improvement Plus Not a Ripoff

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I became a member of CIP on 9-1-2011 and they cancelled my coverage on 11-30-2011 because my Part B had been cancelled.  I called them several times after they had called  me to tell me that,  "When you cancelled your Part B you cancelled your insurance.  Did you know that?"  I explained I did not realize hat and assured them I would call Medicare and social security immediately to reinstate my Part B.  Even though, they cancelled my insurance as of 11-30-2011, they were still paying bills on my account into the month of February 2012  and I told them , their right hand didn't know what their left hand was doing..
I called in on 2-3-2012 to disbute a bill about a charge for my PCP doctor.  They were charging me specialist fees and with each billing from Little Rock Diagnostic Clinic there was always a $15.00 remaining fee to pay.  That is when I learned they had cancelled my Insurance as of 11-30-2011.

I paid all the bills I had from everywhere before the end of February 2012.  I have not continued to charge anything to them since then.  I have a full detail report whcih started on 8-27-2011 to the present.  They have refused to listen or to give me any indication whether they would reinstate my insurance once I got my Part B back.  One woman who said she was in the upper echlons of the company said, "no".  Why would I want their terrible service back anyway?

In the meantime their affliaited company called Goldtouchtouch called me to to take a survey to see if I would qualify for other benefits such as meals on wheels and payment of my Part B of my medicare.  Recently it has occurred to me that perhaps I had been a victim of idetity theft because they called me and asked all these questions......stuff like amount of life insurance , burial plots and many other personal questions.  I just realized today that this company is no good when I found out about this site on the Internet.  I have been very upset with my bowels, have not seen my doctor in two months and I am paying out of pocket for my meds which is close to $320 a month.  Don't let this company gain your confidence.  And if anyone ever tells you not to show your medicare card with your insurance card, be sure you get up and run out of the office w/o signing anything with them.  This situation has caused me terrible scarey nightmares and my nerves are shot.  That is why I am telling this story online about this company.  They will take your money and cancel you and won't talk to you on the phone when you call. 

I hope there will be enough complaints to warrant a class action suit.  I am not waiting on that though, I have already phoned my attorney to get this started.  My reestablishment for my part B is on the way to the CMS ofc. in Baltimore.  Hopefully, this won't take too much longer to reinstate.  Although, I show no Part B on my medicare card, I have proof that the funds have been deducted from my monthly check during this whole episode.  I hope the attoney general  office and my attorney crack down and make them pay all our bills and award us something for having to go through their ridiuloius practices.

This report was posted on Ripoff Report on 03/22/2012 03:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/Care-Improvement-Plus-Arkansas-Medicare-Advantage-Regional-PPO-Plan/Lexington-for-RX-Kentucky-40512/Care-Improvement-Plus-Arkansas-Medicare-Advantage-Regional-PPO-Plan-Goldentouch-agency-use-857953. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 General Comment

Cant Find a Doc? Make sure you have the PPO

AUTHOR: Rona - ()

Care Improvement Plus as well as many medicare advantage plans have several options.  If you are diabetic to ensure you get the most from your plan with CIP, make sure you have their SNP(special needs plan for diabetics and heart issues), which is a regional PPO and most all doctors accept it.

Additionally, SNP plans offer services specific to the needs of diabetics, send out a nurse, offer for transportation or reimbursment to doc visits, and many other benefits.

I recently had a hospital case worker tell me that CIP wouldn't pay for some in home services I had inquired about. When I told her my dad's plan was a SNP and PPO, she called to make the arrangements and was pleased to find out they approved them on the spot. She advised me that the hospital in house care management team wasnt aware that there were different levels and naturally assumed that CIP was an HMO and the services were all the same.

Sometimes it isn't what they do or do not offer, but what we do or do not know to ask for. Good Luck and Healthy Living!

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#2 General Comment

Can'f find a Doc to take Care Improvement Plus

AUTHOR: Keith - ()

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.
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#3 Consumer Comment

I've been satisfied with Care Improvement Plus

AUTHOR: Charles - (U.S.A.)

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.
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#4 General Comment

Care Improvement Plus Not a Ripoff

AUTHOR: pat1958 - (United States of America)

     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."
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