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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 nine 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 lower So even if you meet the limit, you’ll
everything about the plan and can
policy maximums, increased office still have to pay the excess charges
answer any question you have.
visit cost sharing and lower unless you have a TRICARE
You’ll always receive courteous and
prescription-drug coverage. Supplement like MEDIPLUS!
prompt service.
If you’re experiencing these types of Guarantees your acceptance
In addition, MEDIPLUS includes
changes to your health care, consider
As a member of MOAA under age
electronic claims filing, called
this affordable alternative available
65, you and your family cannot be
DirectClaim. With
exclusively to MOAA members:
turned down. All new injuries and
DirectClaim, most of
TRICARE and MOAA’s MEDIPLUS
®
illnesses are covered right away (while
your MEDIPLUS
Electr
TRICARE Supplement.
there is a six-month wait for any
claims will be handled
Claim
onic
current health conditions).
electronically—making it
Filing
When you team TRICARE with
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
provider networks, and referrals are
return it.
members to work for you
not needed for your care. You see the
With MEDIPLUS, you can take
TRICARE-authorized doctor you
Covered by TRICARE Prime?
advantage of affordable group rates.
choose.
If you’re covered by TRICARE Prime,
No-cost coverage for your family
MEDIPLUS pays your co-payments for inpatient
MEDIPLUS’ rates start at $13.62 a
care, outpatient care and prescription drugs.
month,* which may be less than your
Will your current plan help your
family if something happens to you?
In addition, if you decide to get care from a
current health plan contributions each TRICARE-approved doctor without a referral
month. Find out how affordable your
MEDIPLUS will. from your Primary Care Manager (commonly
rate can be by reviewing the chart on
referred to as the TRICARE Point of Service
the next page.
If you die, your eligible spouse’s
Option), MEDIPLUS TRICARE Prime protection
MEDIPLUS TRICARE Standard
will cover your cost-shares for inpatient and
Helps pay covered medical bills
Supplement coverage will continue
outpatient care after you meet the TRICARE
MEDIPLUS pays your TRICARE
Point of Service deductible.
premium-free until he or she
cost-share—after you meet any applicable remarries, reaches age 65 or becomes
Plus, MEDIPLUS will pay 100% of the difference
TRICARE or MEDIPLUS deductibles. Medicare-eligible.
between what the provider bills you and the
TRICARE-allowed amount for those expenses.
This means you pay no co-pays for
Plus, your children can continue
covered doctor visits, hospital and ER
their coverage premium-free for 10 years
MOAA FACT:
trips, outpatient surgery and
or until they marry or reach age 21 (or
Nearly 1 out of 2 MOAA members
prescription drugs!
age 23 if a full-time student). This
under age 65 have chosen TRICARE
Pays 100% of “excess charges”
benefit is automatic, provided you and
and MEDIPLUS for their coverage.
your family are covered by MEDIPLUS
Isn’t it time you did the same?
Many health plans leave you
for at least six months before you die.
paying out of pocket if your doctor
(This benefit is not available under the
Send no money now!
charges more than allowed by the
TRICARE Prime Supplement.)
(Continued on next page)
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 2008 Annual Survey,” viewed 1/5/09
*For the MEDIPLUS In- and Outpatient Plan, member under age 45, nonsmoker rate for a $400 deductible.
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