Military Officer - March 2006 - (Page 30)

For MOAA Members and Families Under Age 65 MEDIPLUS also picks up the costshare for outpatient prescription drugs after you meet the applicable deductibles. Extra family benefits for the long haul MEDIPLUS TRICARE Standard continues to save you and your family money even if something happens to you. If you die, your eligible spouse’s MEDIPLUS coverage will continue premium-free until he or she remarries, reaches age 65 or becomes Medicare-eligible. Your eligible children can also continue their MEDIPLUS protection premium-free for ten full years, or until they marry or reach age 21 (23 if a fulltime student). This money-saving benefit is automatic, provided you and your family are covered by MEDIPLUS for at least six months before you die. (This benefit is not available under the TRICARE Prime Supplement.) MEDIPLUS pays your inpatient bills Ways MEDIPLUS can save YOU money ® MEDIPLUS also pays where TRICARE Standard leaves off if someone in your family is hospitalized. You won’t have to worry about paying for doctors, your room and board, supplies or other inpatient services MEDIPLUS works with TRICARE to cover these expenses after you meet the applicable deductibles. When it comes to health protection, Low group rates you want solid coverage protection from ever-rising medical expenses. You want a plan that helps prevent you from paying bills out of your own pocket. Is that asking too much? Not for MOAA members. MOAA members and their families have access to ® MEDIPLUS TRICARE Standard and Prime Supplements. MEDIPLUS plans offer outstanding protection with highcaliber benefits. And MEDIPLUS, 100% endorsed by MOAA, can save you money. You’ll save money as soon as you sign up for MEDIPLUS. That’s because the low group rates mean your coverage costs you less than many other plans Start saving money with MEDIPLUS available. today! It’s EZ. You don’t even need to Imagine the discount a group of send money now. Simply complete almost 370,000 MOAA members can secure that’s the buying You and your the attached MEDIPLUS EZit in. Enrollment Form and send power you have behind family cannot be MEDIPLUS! You won’t turned down for find that powerful backing MEDIPLUS! anywhere else. New vision benefit Your MEDIPLUS protection now automatically includes coverage in the Avesis Advantage Vision Plan This benefit helps cover the cost of vision exams and saves you money with discounts on glasses (both frames and lenses) and contacts.† You Are Guaranteed Acceptance MEDIPLUS pays 100% of your covered excess charges Even if your doctor charges more than TRICARE Standard allows, you don’t have to worry about footing the bill when you have MEDIPLUS. MEDIPLUS will pay 100% of these “excess charges.” In fact, even if what your doctor charges is above the reasonable and customary charge for your area, MEDIPLUS will cover it after any applicable TRICARE or plan deductibles are met. This protection for excess charges is especially important, since excess charges can’t be applied to TRICARE’s Catastrophic Cap.* Protection for your entire family MEDIPLUS is not just available to you as an MOAA member this money-saving plan is also available to your TRICARE-eligible spouse and children. They can select the same MEDIPLUS plan you have or a different one, depending on their needs. And, MEDIPLUS is even perfect when your kids go off to college. It’s often less expensive than your employerprovided plan, as well as plans offered by colleges and universities. Even if you decide not to enroll yourself in a MEDIPLUS TRICARE Standard or Prime Supplement, you can still sign your family up. After all, it may be a better deal than covering them under another plan. As an MOAA member, you and your family are GUARANTEED ACCEPTANCE in MEDIPLUS. You don’t have to complete a long form or take a medical exam. You’re already in, based on your status as an MOAA member. Your valuable MEDIPLUS protection will start on the first day of the month after your completed EZ Enrollment Form and first premium payment are received. Any new health conditions will be covered right away. If you have an existing health condition, it will be covered as soon as your MEDIPLUS protection has been in force for just six months. (This limitation can be waived in some cases. See the bottom of the next page.) Covered by TRICARE Prime? If you’re covered by TRICARE Prime, MEDIPLUS pays your copayments for inpatient care, outpatient care and prescription drugs. In addition, if you decide to get care from a TRICARE-approved doctor without a referral from your Primary Care Manager (commonly referred to as the TRICARE Point of Service Option), MEDIPLUS TRICARE Prime protection will cover your cost-shares for inpatient and outpatient care after you meet the TRICARE Point of Service deductible. Plus, MEDIPLUS will pay 100% of the difference between what the provider bills you and the TRICARE allowed amount for those expenses. MEDIPLUS pays your outpatient bills When you or a family member has an outpatient doctor visit, TRICARE Standard generally pays 75% of the allowed amount (after you meet the TRICARE outpatient deductible). MEDIPLUS will be there to take care of the rest. After you meet your plan deductible, MEDIPLUS pays the remaining 25% of the TRICARE allowed amount each time you go to the doctor. * TRICARE limits the amount your family would pay in a fiscal year for deductibles and copayments. This protective “cap” is $3,000 for retirees. But, keep in mind that “excess charges” are not applied to this Catastrophic Cap. So, even if you meet the $3,000 limit, you’ll still have to pay excess charges UNLESS YOU HAVE MEDIPLUS. ** Non-insurance services are not arranged for, provided or underwritten by The Hartford. † The annual exam benefit may not be available in all states. Avesis Vision Plan benefits are not available overseas.

Table of Contents Feed for the Digital Edition of Military Officer - March 2006

Military Officer - March 2006 Contents From the Editor President’s Page Call For Board Nominations Your Views MOAA Directory Rapid Fire Washington Scene Financial Forum MOAA Member Services Ask the Doctor Chapter Activities Live It Up! Top Picks On the Road Again Destination: Arizona By the Numbers Cover Story: One Clean Shot From Combat to Congress Pages of History Information Exchange Advertising Index MOAA Calendar Sounding Taps Encore

Military Officer - March 2006

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