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BULLETIN:


AUTHORIZED FOR MOAA MEMBERS AGE 65 & OLDER MOAA HOSPITAL INCOME AND SHORT TERM RECOVERY INSURANCE


Get Help With Unexpected Home Recovery Expenses


W


hen you turned 65, you may have thought your health care 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 unexpected bills to some military retirees … just when they least expected it. What’s the issue? Home health care or personal care bills. After a hospital stay patients are sent home … and may


have doctors’ orders for physical therapy, nurse visits or rehabilitation at home. And 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 endorses the Hospital Income and Short Term Recovery Insurance Plan (Recovery Plan) for members and their spouses age 65 and older.


CASH BENEFITS TO HELP PAY FOR YOUR CARE


The MOAA Recovery Plan can help you with expenses from 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


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 you need more? You may have to choose between paying for it yourself or going without.


But as a member of MOAA, you can stay more in control of your health care decisions … and have money to help pay unexpected medical bills … with MOAA’s Recovery Plan.


AUTHORIZED FOR MOAA MEMBERS


Based on your membership in MOAA, you are guaranteed acceptance in the MOAA Recovery Plan. Insurance benefits payable are subject to the Pre-Existing Conditions Limitation.


During the first six months of coverage, pre-existing conditions will not be covered.


Questions? Call 1-800-247-2192


or visit www.moaainsurance.com


steps in with up to $1,450 cash benefits for each covered stay as an Inpatient in a Hospital or Skilled Nursing Facility. You, or anyone you choose, can collect $750 after your first day of an Inpatient Hospital or Skilled Nursing Facility stay for a covered injury or sickness. Stay for more than 14 days and you’ll receive $500 MORE. After 30 days in a Hospital or Skilled Nursing Facility, you’ll receive an ADDITIONAL $200 … bringing your Hospital benefits up to $1,450.


IMPORTANT: There’s no limit on how many times a year you can collect this benefit. As long as the Inpatient Hospital stays are more than 90 days apart and aren’t caused by the same medical issues, you can collect up to $1,450 over and over again.


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