Question 4
Answer:
Yes. If you are unhappy with the option you choose during this initial enrollment or during open enrollment, you will be allowed to switch to another plan option one more time during the course of the year. There are certain restrictions. If you elect the Navy POS plan or are enrolled in the Navy Plan with Part D coverage, you can change later to any of the Anthem plans with a stand-alone Part D plan through Health Net. The stand-alone Part D plan through Health Net is called the Health Net Orange plan.
If you choose to enroll in one of the Anthem SmartValue Private Fee for Service plans, you will be able to change back to the Plan F or to the Health Net Navy POS plan during the course of the year, however, in order to have prescription drug coverage you MUST have a Part D plan on January 1st of any calendar year. You are not able to enroll in the prescription drug program during the year unless you are just becoming Medicare eligible or have a qualifying reason.
In addition, if you enroll in one of the Anthem Private Fee for Service Plans, although you can change to the Retiree Medical Plan F or the Health Net Navy POS plan, you will not be able to switch between the three PFFS plans during the course of the year (i.e. you can’t select the low option and then change to the high option during the year, you will need to wait for the annual open enrollment to make that change).