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Medicare Part D Mandatory Disclosure Have you completed the online disclosure form to the U.S. Centers for Medicare & Medicaid Services (CMS)?  The Medicare Modernization Act requires employers that provide creditable prescription drug coverage to complete this form to any Medicare-eligible individual.  Creditable coverage is coverage that is expected to pay, on average, as much…

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Group benefits are more than just insurance.  At Haren Insurance, we offer patient advocacy as an added value services to our employer groups.  Patient advocacy helps employees to negotiate medical claim denials, pharmacy issues and aid in appealing denied claims. What does a patient advocate do? Recently, an employee was facing a claim denial due…

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Group benefits are more than just insurance. At Haren Insurance, we offer patient advocacy as an added value services to our employer groups. Patient advocacy helps employees to negotiate medical claim denials, pharmacy issues and aid in appealing denied claims. What does a patient advocate do? Recently, an employee was facing a claim denial due…

Read More