Emergency & Disaster Care
Emergency & Disaster Care 2025
Our mission during a disaster is to help you and your loved ones get necessary care and medications before, during and after the storm.
To make sure you have access to health care, FHCP Medicare will ensure you are able to get health care during a disaster. A disaster will be declared in one of these ways.
- The Secretary of Health and Human Services declares a public health emergency, or
- A governor or the U.S. President declares a disaster or other type of emergency.
Members living in areas affected by a disaster can still get the medical care and prescription drugs they need. When health care is disrupted during a disaster, FHCP Medicare will allow you to get an emergency refill of your maintenance medications. Depending on the situation, we may also relax authorizations and cover out-of-network visits.
Medical Services
If a disaster affects your ability to access health care, here are some of the adjustments we will make to ensure you can get the care you need:
- Cover Medicare Parts A, B and supplemental Medicare Advantage plan benefits at non-network hospitals and other medical facilities.
- Relax referral requirements.
- Charge in-network cost sharing even if an out-of-network provider is used.
Prescription Drugs
We will continue to lift these restrictions until the end of the declared disaster or emergency.
- When a state of emergency is declared, FHCP Medicare will temporarily allow affected members to get an early refill of their medications and maximum extended-day supplies from in-network pharmacy providers.
- Members who use out-of-network pharmacies may not have prescription coverage. If you can’t access your usual network pharmacy, call us at the number on the back of your FHCP Medicare ID card. Our Member Services team will help you find a network pharmacy.
- If there is not a network pharmacy reasonably available near you, you’ll be able to use an out-of-network pharmacy. However, the cost for your prescription drugs may be higher.
- Does your medicine need our approval before you can fill it? Call our Member Services team at the number on the back of your FHCP Medicare member ID card for help.
If FHCP Medicare Offices Are Impacted
If the disaster or state of emergency affects FHCP Medicare’s offices, we’ll notify the Centers for Medicare & Medicaid Services (CMS). We’ll also update our FHCP Medicare website with information about our business activities and hours of operation as soon as we are able to do so.
We'll Keep You Updated
We’ll keep you updated with important information online. Log in to your member portal for around the-clock information about benefits, in-network providers, and more.