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MOAA’s Recovery Plan shines the brightest AFTER your Inpatient Hospital stays when your doctor recommends therapy or care at home to help you recuperate. That’s because the MOAA Recovery Plan delivers up to an additional $8,000* a year — $200 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 $200 a day for each day you incur a covered home health care expense. Benefits are paid for two benefit periods, up to 40 days per accrual year. (There is a maximum of 20 days per occurrence.) The two separate home recovery benefit periods must follow two separate hospitalizations. That’s up to $8,000 in home recovery benefits. Members age 80 and older can collect a reduced benefit of up to $4,000 in 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.


Make no mistake: Without this cash benefit option, you may have to pay for home recovery expenses on your own. And with an average cost of $20 per hour for a home health aide,1

not fully covered by Medicare and TFL.

But additional cash benefits mean nothing if the price to set them up is too high. That’s why MOAA negotiated group rates for this important plan … delivering added 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. *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.

This Plan may vary and may not be available in all states. 1 Genworth 2015 Cost of Care Survey,, viewed 2/8/2016.

77588 the bills add up quickly … especially if they’re • Speech therapy

• Homemaker services • And more

When Does Coverage Start and End: Your MOAA Recovery Plan coverage begins on the first day of the month following receipt of your Confirmation Form and first premium payment by the plan administrator. Benefits continue as long as premiums are paid on time, you remain a member of MOAA 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: The Policy does not cover intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane (while sane in Missouri

or Colorado). Definitions: Confined or Confinement means being an Inpatient in a Hospital due to Sickness or Injury for which a room and board charge, per diem or daily subsistence charge is made.

Skilled Nursing Facility and/or Hospital do not mean any institution or part thereof used primarily as: a nursing 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)-1] is 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 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 the 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, Hartford, CT 06155. Your association shares a financial interest in this program, which benefits the entire membership.

This limited health benefit plan: (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.

This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Program administered by Mercer Consumer, a service of Mercer Health & Benefits Administration LLC.

About Our Role and Compensation In this transaction, Mercer Consumer, a service of Mercer Health & Benefits Administration LLC, is acting as the exclusive insurance agent and program manager for Hartford Life and Accident Insurance Company (Insurer) for this type of coverage, and not as your insurance broker. As the agent for Insurer, Mercer Consumer may provide these services: enrollments, ongoing servicing, billing, marketing, customer administrative and claim servicing and communications. In accordance with industry custom, we are compensated through commissions that are calculated as a percentage of the insurance premiums charged by insurers. We may also receive additional monetary and nonmonetary compensation from insurers or from other insurance intermediaries, which may be contingent upon such factors as volume, growth or retention of business. This compensation may include payment from insurers for marketing-related expenses or investments in technology. Our compensation may vary depending on the type of insurance purchased and the insurer selected. We will provide you additional information about our compensation upon your request. You may obtain this information by referring to https://www.personal-plans. com/disclosure and entering the security code i1564080 or call us at 1-888-206-5088 for specific details.

AR Ins. Lic. #100102691 • CA Insurance License #0G39709 In CA d/b/a Mercer Health & Benefits Insurance Services LLC

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