Disaster & Emergency Care
Information about accessing your benefits during a declared disaster, public health emergency, or other exceptional circumstance.
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Detailed disaster and emergency care policy information remains subject to CMS approval. If you are experiencing a medical emergency, call 911 immediately. For non-emergency questions, contact Member Services at 1-888-230-4214.
Medical Emergency
If you are experiencing a medical emergency, call 911 or go to the nearest emergency room immediately.
About Disaster & Emergency Protections
Medicare Advantage plans are required to have policies in place to protect members during government-declared disasters and public health emergencies. This page will provide detailed information about:
- How your benefits are protected during a federal or state declared disaster or emergency
- Access to out-of-network providers at in-network cost-sharing during a disaster period
- How prior authorization requirements may be waived or modified during an emergency
- Prescription drug access — early refill policies during declared emergencies
- How to contact the plan and access your benefits if you are displaced from your home
- CMS Special Enrollment Period (SEP) rights triggered by declared disasters
If you have been affected by a disaster or emergency and need help accessing your benefits, Member Services is here to help. We can assist you in finding care, refilling prescriptions early, and understanding your coverage options during an emergency.
Detailed policy information, including specific protections available during declared emergencies, remains subject to CMS approval. Refer to the applicable Evidence of Coverage and approved member materials when available.
Need Help During an Emergency?
For life-threatening emergencies, call 911. For benefit questions during a disaster or emergency, our Member Services team is ready to help. TTY: 1-888-230-4215
Contact Member Services