Are you paying MORE but getting LESS

when it comes to your medical care?

Make This the Year You Take Back Control

If you’re like many Americans, the news on health insurance is frustrating.

Health care costs have been rising faster than incomes. Deductibles have more than doubled since 2003. Premiums are up 60%. Yet employers are asking you to cover an even bigger share of the total cost.1

W

hat’s it all mean? You may very well be paying more but actually getting

less for every health care dollar.

An Exclusive Solution for MOAA Families

Many military families say the numbers simply don’t add up when it comes to civilian health care plans. That’s why more and more MOAA members are reconsidering TRICARE as their health care coverage with the benefit of MOAA’s MEDIPLUS®

TRICARE Supplement Insurance Plan.

As a matter of fact, MEDIPLUS currently protects nearly 50,000 MOAA members and their families.

They’re taking back more control of their health care. Reining in costs and making sure they have the freedom to see the TRICARE-authorized doctors they want to see … when they want to see them.

YOU’RE IN CONTROL:

• No networks to worry about • No “preferred” providers • No referrals required

Help for Rising Health Care Costs

MEDIPLUS delivers dependable bene- fits that help pay the covered medical bills left by TRICARE Standard, Extra or Prime, after you meet any applicable TRICARE and MEDIPLUS deductibles.

1 “The Good News and the Bad News About Health Care Costs,” time.com, 1/9/15

4 Cost-Shares – PAID. That includes doctor visits, covered Hospital stays, visits to specialists, outpatient surgeries and emergency room visits.

4 Covered Prescriptions – PAID. MEDIPLUS covers TRICARE pharmacy co-pays after any applicable deductibles.

4 Covered “Excess Charges” – PAID. MEDIPLUS helps insulate you from the financial impact of doctors and hospitals who don’t accept the TRICARE-allowed amount as payment in full by paying up to 15% above the TRICARE-allowed amount. Why is that so important? Because the TRICARE Catastrophic Cap doesn’t protect military families against excess charges.

• Group rates starting at $14.86 a month*

*MEDIPLUS In- and Outpatient Plan, member under age 45, nonsmoker rate for $400 deductible

Acceptance Guaranteed

You and your family cannot be turned down for MEDIPLUS as long as you’re a member of MOAA under age 65.

IMPORTANT: New injuries or illnesses are covered starting on Day 1. There is a 6-month wait for current health conditions.

Electronic Claim Filing

MEDIPLUS uses DirectClaim – a convenient electronic claim filing service. That means most of your claims are seamlessly handled electronically, making it easy and hassle-free for you.

Taking Care of Your Family Family is one of your top priorities.

That’s why MOAA made sure you wouldn’t have to worry about your loved ones’ coverage if something happened to you.

If you die, your eligible spouse’s MEDIPLUS TRICARE Standard supplement will continue – often at no cost – until he

Covered by TRICARE Prime? MEDIPLUS Pays Your Co-Payments

You won’t worry about co-payments for covered inpatient care, outpatient care or prescription drugs when you pair MEDIPLUS with TRICARE Prime.

Plus, MEDIPLUS covers your cost-shares for covered inpatient and outpatient care if you’re treated by a TRICARE-approved doctor without a referral from your Primary Care Manager (commonly referred to as the TRICARE Point of Service option). Just meet the TRICARE Point of Service deductible and MEDIPLUS steps in from there.

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or she remarries, reaches age 65 or becomes Medicare-eligible. Plus, your children can continue their coverage premium-free for 10 years or until they marry or reach age 21 (age 23 if a full-time student or 26 if enrolled in TRICARE Young Adult). This benefit is automatic as long as you and your family were covered by MEDIPLUS for at least six months before

your death. (This benefit is not available under the TRICARE Prime supplement.) Questions? Call 1-800-247-2192

Make 2015 the Year You

Take Back Control of Your Health Care Choices

Signing up for MEDIPLUS is easy. Just fill out the attached MEDIPLUS Activation Form and mail it back. It takes about 60 seconds. You don’t even send money now.