Civilian healthcar
e plans incr
easing
cost shar
es to par
ticipants: R
aising
Healthcar
e Pr
emiums Climb
ear
s
1
contribution r
equirements
,
Mor
e than 78% in 7 Y
Civilian Plans Pr
edicting
increasing co-pa
Incr
ease in Healthcar
ys/deductibles
,
e
1
cutting benefits
Costs for 2008
1
C
ivilian healthcare costs have and pay the difference (the “excess”) Supplement. And MOAA wouldn’t
increased significantly over the after you satisfy any applicable endorse it if it didn’t provide you with
past seven years. TRICARE or MEDIPLUS deductibles. the best service you deserve.
Most Americans covered by And this is important because
The MEDIPLUS customer service
civilian healthcare plans will once excess charges can’t be applied to
specialists go through a rigorous
again be faced with the possibility of TRICARE’s $3,000 catastrophic cap.
training process so they know
sharing more costs through increased So even if you meet the limit, you’ll
everything about the plan and can
contributions, bigger co-pays, higher still have to pay the excess charges
answer any question you have.
deductibles, lower policy maximums unless you have a TRICARE
You’ll always receive courteous and
and loss of benefits. Supplement like MEDIPLUS!
prompt service.
If you’re experiencing these types of Guarantees your acceptance
In addition, MEDIPLUS now
changes to your healthcare, consider this
As a member of MOAA under age
includes electronic claims filing,
affordable alternative available
65, you and your family cannot be
called DirectClaim. With
exclusively to MOAA members:
turned down. No physicals or health
DirectClaim, most of
TRICARE and MOAA’s MEDIPLUS
® Electr
questions. All new injuries and
your MEDIPLUS
TRICARE Supplement.
Claim Filing
onic
illnesses are covered right away (while
claims will be handled
there is a six-month wait for any
electronically—making it
When you team TRICARE with
current health conditions).
easy and hassle-free for you.
MOAA MEDIPLUS, you may save
money and get better coverage.
Gives you freedom to
Easy to activate coverage
Here’s how:
choose your provider
Just complete the attached
Puts the buying power of 370,000
MEDIPLUS has no preferred
MEDIPLUS Activation Form and
members to work for you
provider networks, and referrals are
return it.
not needed for your care. You see the
With MEDIPLUS, you can take
TRICARE-authorized doctor you
Covered by TRICARE Prime?
advantage of low group rates.
choose.
If you’re covered by TRICARE Prime,
MEDIPLUS pays your co-payments for inpatient
MEDIPLUS’ rates start as low as
No cost coverage for your family care, outpatient care and prescription drugs. In
Will your current plan help your
addition, if you decide to get care from a
$13.62 a month,* which may be lower
TRICARE-approved doctor without a referral
than your current health plan
family if something happens to you?
from your Primary Care Manager (commonly
contributions each month. Find out how
MEDIPLUS will. referred to as the TRICARE Point of Service
affordable your rate can be by reviewing
Option), MEDIPLUS TRICARE Prime protection
the chart on the next page.
If you die, your eligible spouse’s
will cover your cost-shares for inpatient and
MEDIPLUS TRICARE Standard
outpatient care after you meet the TRICARE
Helps pay covered medical bills
Supplement coverage will continue
Point of Service deductible. Plus, MEDIPLUS will
pay 100% of the difference between what the
MEDIPLUS pays your TRICARE premium-free until he or she
provider bills you and the TRICARE-allowed
cost-share—after you meet any applicable remarries, reaches age 65 or becomes amount for those expenses.
TRICARE or MEDIPLUS deductibles. Medicare-eligible.
MOAA FACT:
This means you pay no co-pays for
Plus, your children can continue
Nearly 1 out of 2 MOAA members
covered doctor visits, hospital and ER
their coverage premium-free for 10 years
under age 65 have chosen TRICARE
trips, outpatient surgery and
or until they marry or reach age 21 (or
and MEDIPLUS for their coverage.
prescription drugs!
age 23 if a full-time student). This
Isn’t it time you did the same?
Pays 100% of “excess charges”
benefit is automatic, provided you and
your family are covered by MEDIPLUS
Send no money now!
Many health plans leave you
for at least six months before you die.
(Continued on next page)
paying out of pocket if your doctor
(This benefit is not available under the
charges more than allowed by the
TRICARE Prime Supplement.)
plan. Sometimes doctors won’t accept
the TRICARE allowed amount as
Provides top-notch service
payment in full.
For nearly 40 years, MOAA has
recommended only one TRICARE
If you have MEDIPLUS, it will
pick up where TRICARE leaves off
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.
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