Military Officer - August 2008 - (Page 16)

miums Climb Healthcare Pre 7 Years1 in More than 78% Civilian Plans Predicting Increase in Healthcare Costs for 20081 Civilian healthcare plans increasing cost shares to participants: Raising contribution requirements, increasing co-pays/deductibles, cutting benefits1 ivilian healthcare have C seven years. costsover the increased significantly past Most Americans covered by civilian healthcare plans will once again be faced with the possibility of sharing more costs through increased contributions, bigger co-pays, higher deductibles, lower policy maximums and loss of benefits. If you’re experiencing these types of changes to your healthcare, consider this affordable alternative available exclusively to MOAA members: TRICARE and MOAA’s MEDIPLUS® TRICARE Supplement. When you team TRICARE with MOAA MEDIPLUS, you may save money and get better coverage. Here’s how: Supplement. And MOAA wouldn’t and pay the difference (the “excess”) endorse it if it didn’t provide you with after you satisfy any applicable TRICARE or MEDIPLUS deductibles. the best service you deserve. And this is important because excess charges can’t be applied to TRICARE’s $3,000 catastrophic cap. So even if you meet the limit, you’ll still have to pay the excess charges unless you have a TRICARE Supplement like MEDIPLUS! The MEDIPLUS customer service specialists go through a rigorous training process so they know everything about the plan and can answer any question you have. You’ll always receive courteous and prompt service. In addition, MEDIPLUS now includes electronic claims filing, called DirectClaim. With DirectClaim, most of Electro your MEDIPLUS Claim Filnic claims will be handled ing electronically—making it easy and hassle-free for you. Guarantees your acceptance As a member of MOAA under age 65, you and your family cannot be turned down. No physicals or health questions. All new injuries and illnesses are covered right away (while there is a six-month wait for any current health conditions). Gives you freedom to choose your provider MEDIPLUS has no preferred provider networks, and referrals are not needed for your care. You see the TRICARE-authorized doctor you choose. Easy to activate coverage Just complete the attached MEDIPLUS Activation Form and return it. Covered by TRICARE Prime? If you’re covered by TRICARE Prime, MEDIPLUS pays your co-payments 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. Puts the buying power of 370,000 members to work for you With MEDIPLUS, you can take advantage of low group rates. MEDIPLUS’ rates start as low as Will your current plan help your $13.62 a month,* which may be lower family if something happens to you? than your current health plan contributions each month. Find out how MEDIPLUS will. affordable your rate can be by reviewing If you die, your eligible spouse’s the chart on the next page. MEDIPLUS TRICARE Standard Helps pay covered medical bills Supplement coverage will continue MEDIPLUS pays your TRICARE premium-free until he or she cost-share—after you meet any applicable remarries, reaches age 65 or becomes TRICARE or MEDIPLUS deductibles. Medicare-eligible. This means you pay no co-pays for covered doctor visits, hospital and ER trips, outpatient surgery and prescription drugs! Plus, your children can continue their coverage premium-free for 10 years or until they marry or reach age 21 (or age 23 if a full-time student). This 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.) No cost coverage for your family MOAA FACT: Nearly 1 out of 2 MOAA members under age 65 have chosen TRICARE and MEDIPLUS for their coverage. Isn’t it time you did the same? Pays 100% of “excess charges” Many health plans leave you paying out of pocket if your doctor charges more than allowed by the plan. Sometimes doctors won’t accept the TRICARE allowed amount as payment in full. If you have MEDIPLUS, it will pick up where TRICARE leaves off Send no money now! (Continued on next page) Provides top-notch service For nearly 40 years, MOAA has recommended only one TRICARE 1 http://www.kff.org, “Employer Health Benefits 2007 Annual Survey,” viewed 4/30/08 * For the MEDIPLUS In- and Outpatient Plan, member under age 45, nonsmoker rate for a $300 deductible. http://www.kff.org

Table of Contents Feed for the Digital Edition of Military Officer - August 2008

Military Officer - August 2008 Contents MOAA Online From the Editor From the President Your Views MOAA Directory Rapid Fire Washington Scene Chapters in Action Financial Forum Ask the Doctor MOAA Member Services Cover Story: A Stronger Voice Virtual Combat Mental Floss Steady as She Goes Pages of History Faces of MOAA Member Books Information Exchange Advertising Index MOAA Calendar Sounding Taps MOAA Scholarship Donors Encore

Military Officer - August 2008

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