Military Officer - November 2008 - (Page Cover2)

for MOAA members and families under age 65 3 Reasons Why MEDIPLUS® Consistently Ranks as MOAA’s #1 Membership Benefit Nearly 100,000 MOAA Members and their families (that’s nearly 1 out of every 2 MOAA Members under age 65) have locked in the comprehensive protection of MEDIPLUS … one of MOAA’s most popular member benefits. Here’s why your fellow officers turned to MEDIPLUS: 1 MEDIPLUS Helps Pay MORE Medical Bills MEDIPLUS TRICARE supplements team up with TRICARE Standard, Extra, Prime, and TRICARE Reserve Select to pay 100% of the covered medical bills these programs leave behind after you meet any applicable TRICARE or plan deductibles. • Co-payments for doctor visits? MEDIPLUS PAYS 100%. • Prescription Co-payments? MEDIPLUS PAYS 100%. • Co-payments for trips to the hospital? MEDIPLUS PAYS 100%. • Your doctor charges you more than the “TRICARE-allowed” amount? MEDIPLUS PAYS 100%. IMPORTANT: MEDIPLUS helps shield you from excess charges. (The TRICARE Catastrophic Cap does NOT protect you against excess charges. So you’re 100% responsible if your doctor charges you more than TRICARE allows—unless you’re covered under the umbrella of MOAA’s MEDIPLUS.) 2 You’re Free To See The Doctor YOU Choose MEDIPLUS helps put YOU in charge of your healthcare decisions. That’s because MEDIPLUS has NO preferred provider lists. NO doctor or hospital networks. NO referrals required for second opinions or specialized care. With MEDIPLUS, you see the TRICARE-authorized doctor you want. L SPECIAIT BENEF 3 Affordable Group Rates MEDIPLUS pairs 35+ years experience with TRICARE (and CHAMPUS before that) with the negotiating power of 370,000 MOAA members and their families. The result is MOAA’s exclusive discounted group rates … among the lowest on the market. $ DirectClaim: Electronic Claims Processing Eligible MEDIPLUS TRICARE Supplement claims are processed electronically through DirectClaim. With DirectClaim, you don’t have to complete claims paperwork to access most of your MEDIPLUS benefits,1 saving you time and processing your claims quicker. It’s another example of the quality benefits found with MOAA’s MEDIPLUS TRICARE Supplements. Could MEDIPLUS be the Best Fit for YOU, too? See for yourself by taking a no-obligation look at your free MEDIPLUS Benefit Packet today.* Bonus: You cannot be turned down. As a member of MOAA, you and your family are guaranteed acceptance in MEDIPLUS. Any current health conditions will be covered after six months. Of course, any new injuries or illnesses are covered right away. Call TOLL FREE: 1-800-247-2192 (Request Number: 033024-1-1-1) Hearing-impaired or voice-impaired members may call the Relay Line at 1-800-855-2881 Or, visit www.moaainsurance.com Underwritten by: Hartford Life and Accident Insurance Company Simsbury, CT 06089 *Details include costs, exclusions, limitations, reduction of benefits and terms of coverage. Coverage may not be issued in some states. 1 Some TRICARE Supplement claims cannot be processed electronically, such as prescription claims and skilled nursing and skilled nursing facility claims. Policy Form 7318-5 (3rd Rev)(HLA)(1134) http://www.moaainsurance.com http://www.moaainsurance.com http://www.moaainsurance.com

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

Military Officer - November 2008 Contents From the Editor From the President Your Views MOAA Directory Rapid Fire Washington Scene Chapters in Action Financial Forum Ask the Doctor Financial Guidebook Out of the Red 7 Year-End Tax Strategies Cover Story: Memory Survives Something to Say MOAA Scholarship Recipients Pages of History Faces of MOAA Information Exchange Member Books Advertising Index MOAA Member Services MOAA Calendar Sounding Taps Encore

Military Officer - November 2008

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