On the very first day of your stay, you collect
$500.00. Stay for more than 14 days and you’ll receive $500.00 MORE. After 30 days in a hospital or skilled nursing facility, you’ll receive an ADDITIONAL $200.00 … bringing your hospital benefits up to $1,200.00. IMPORTANT: There’s no limit on how many times a year you can collect this benefit. As long as the hospital stays are more than 90 days apart and aren’t caused by the same medical issues, you can collect up to $1,200.00 over and over again.
STAY MORE IN CONTROL OF YOUR HEALTHCARE DECISIONS
MOAA’s Recovery Plan shines the brightest
AFTER your hospital stay when your doctor recommends therapy or extra care at home to help you recuperate. That’s because the MOAA Recovery Plan delivers up to an additional $6,000.00 a year – $150.00 a day – for home recovery costs like:
• Rehabilitation • Nurse visits
• Physical therapy • Occupational therapy
As soon as Medicare or TRICARE approves one or all of the home recovery or therapy treatments your doctor prescribes, the MOAA Recovery Plan kicks in. You can collect $150.00 a day for each day you incur a covered home healthcare expense. Benefits are paid for 2 benefit periods, up to 40 days per accrual year. (There is a maximum of 20 days per occurrence.) That’s up to $6,000.00 in home recovery benefits. Members age 80 and older can collect up to $3,000.00 home recovery benefits each year (one benefit period). Plus, you can rest assured this valuable cash benefit program can stay right by your side – even if you’re fortunate enough to live to age 100. It doesn’t matter how old you are … or how many claims you file … the MOAA Recovery Plan stands by you for the long haul.
COSTS HELD DOWN FOR MOAA MEMBERS & SPOUSES
Make no mistake: Without this exclusive cash benefit option, you must pay out-of-pocket expenses on your own. And with an average cost of $21.00 per hour for a home health aide,1
the
bills add up quickly … especially if they’re not fully covered by Medicare and TFL.
• Speech therapy
• Homemaker services • And more
But additional cash benefits mean nothing if the
price to set them up is too high. That’s why MOAA negotiated exclusive group rates for this special plan … delivering protection at an affordable cost.
Monthly Rates Age
65–69 70–74 75–84 85+
Member or Spouse $19.95 $27.95 $39.95 $47.95
For your convenience, you will be billed quarterly. You cannot be singled out for a rate increase. Rates and/or benefits may be changed on a class basis. Member and spouse rates are based on their individual age and increase as each person enters a new age category. To keep premiums affordable, at age 80, Home Recovery Benefits reduce to a maximum of 20 days per Accrual Year (one benefit period). The MOAA Hospital and/or Skilled Nursing Facility Benefits remain the same and remain unlimited, regardless of how many times you’re admitted. Periods of confinement in a hospital separated by less than 90 days and due to the same or related causes are considered part of the same confinement.
When Cash Benefits Start: Your MOAA Recovery Plan coverage begins as soon as your Confirmation Form and first premium payment are received by the plan administrator. Benefits continue as long as premiums are paid on time, you remain an MOAA member and the Master Policy stays in force. Your Spouse’s coverage will remain in effect as long as premiums are paid and they meet the eligibility requirements. Pre-Existing Conditions Limitation: The MOAA Recovery Plan does not cover any injury or sickness (diagnosed or undiagnosed) for which medical care is received by a covered person within the 6-month period before your coverage begins unless you have been free of medical care for that condition for 6 months ending on or after the date your protection begins. After you’ve been enrolled in the Plan for 6 months, all new or previous health conditions will be covered. Exclusions:
In addition, the Plan does not cover intentionally self-
inflicted injuries, suicide or attempted suicide, whether sane or insane (while sane in Missouri or Colorado) and loss caused or contributed to by war or acts of war, whether declared or not. Definitions: Confined or Confinement means being an inpatient in a hospital due to sickness or injury. Skilled Nursing Facility and/or Hospital do not mean any institution or part thereof used primarily as: a rest home or convalescent home; a home for the aged or a place for rest or custodial care; a clinic; or a place for the care of drug addiction, alcoholism or mental illness.
This brochure explains the general purpose of the MOAA Recovery Plan but in no way changes or affects the Policies as actually issued. Group Policy AGP-5280 [Policy Form #SRP-1151 A (HLA)(5280)] issued in Virginia, and is subject to its laws. In the event of a discrepancy between this brochure and the Policies, the terms of the Policies apply. All benefits are subject to the terms and conditions of the Policies. Policies underwritten by the Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the Policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This Plan may vary and may not be available in all states. Underwritten by Hartford Life and Accident Insurance Company, Simsbury, CT 06089.
Marsh U.S. Consumer, a service of Seabury & Smith, receives compensation for services to provide this program; these services may include enrollments, ongoing servicing, billing, marketing, brokerage, customer administrative & claim servicing and communications. Refer to
https://www.personal-plans.com/disclosure and enter in the security code i1564080 or call us at 1-888-206-5088 for specific details.
AR Ins. Lic. #245544, CA Ins. Lic. #0633005 d/b/a in CA Seabury & Smith Insurance Program Management 1
U.S. Department of Health and Human Services, National Clearinghouse for Long Term Care Information,
http://www.longtermcare.gov/LTC/Main_Site/Paying_LTC/Costs_Of_Care/Costs_Of_Care.aspx, viewed 1/30/10 49425 (8/10) ©Seabury & Smith, Inc. 2010
Rates Start at 66¢ a Day!
Group
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