BULLETIN: AUTHORIZED FOR MOAA MEMBERS AGE 65 & OLDER
How To Avoid ‘Settling’ On Your Home Recovery Care ... And Worrying About Unexpected Bills
hen you turned 65, you may have thought your healthcare worries were over. After all, Medicare paired with TRICARE For Life (TFL) delivers comprehensive medical benefits for military retirees. But a little-known “road bump” is delivering
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unexpected bills to some military retirees … just when they least expected it. What’s the issue? Home healthcare or personal
care bills. In today’s medical system, patients are leaving the
hospital more quickly than ever. Cardiac patients may be released from the hospital within days. Surgery patients often stay only overnight. Patients with broken bones or serious injuries usually stay in the hospital for just a few short days. Then they’re sent home … with doctors’ orders
for physical therapy, nurse visits or rehabilitation at home. But here’s where the unexpected bills may arrive: If the physical therapist recommends more
visits than Medicare or TRICARE allow, you could be responsible for paying for these additional therapy sessions. That means just because home health care is
“approved” by Medicare or TRICARE, all your expenses may not be covered. Plus, you may also need personal care such as help with bathing, dressing, housework, shopping or cooking. That’s the reason MOAA set up the Short Term Recovery Insurance Plan (Recovery Plan) for members and their spouses age 65 and older.
PREREGISTRATION NOW AUTHORIZED FOR MOAA MEMBERS
Based on your membership in MOAA, you are currently preregistered for guaranteed acceptance in the MOAA Recovery Plan. This means you will not be asked any health questions or to take a medical exam at the time of enrollment; however, insurance benefits payable are subject to the pre-existing conditions limitation.
All new health conditions are covered immediately. Any current health conditions are automatically covered after six months.
DON’T LIMIT YOUR CARE OR SACRIFICE YOUR SAVINGS
As an MOAA member, you can now avoid “settling” for care that’s not up to your standards … or skimping on the number of therapy visits your doctor recommends. Instead, with the MOAA Recovery Plan, you can be more confident moving forward with the home health care your doctor prescribes: • From the highly recommended therapists and nurses your doctor recommends.
• Knowing that MOAA’s Recovery Plan stands by your side with cash benefits to help you take care of out-of-pocket expenses. First, the Recovery Plan steps in with up to $1,200.00 cash benefits for each covered hospital or skilled nursing facility stay.
SITUATION ALERT FOR MILITARY RETIREES: Many people assume Medicare and TRICARE For Life (TFL) automatically cover 100% of home recovery bills.
But that’s not always true. Medicare and TFL limit the amount paid for therapies and then cap the number of visits or therapy sessions allowed.
What if your doctor says you need more? You either pay for it yourself or you go without.
But as an MOAA member, you can stay more in control of your healthcare decisions … and help avoid dipping into your savings to pay unexpected medical bills … with MOAA’s Recovery Plan.
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