Plan Comparison Medicare Eligible Members

Transcription

1 Plan Comparison Medicare Eligible Members Benefits Plan Features AARP Medicare Supplement Plan F (UnitedHealthcare) with Express Scripts Medicare (PDP) for CTPF Pays 100% after Medicare for Medicare covered services. Premium varies by age and geographic area. Enhanced Medicare Part D prescription drug coverage. Contact Information UnitedHealthcare Group number: Customer Service Express Scripts Group number: CTPFRX Customer Service How to Enroll Service Area Call UHC AARP at and request an enrollment kit for CTPF Plan #1089. Return the completed kit and documentation to CTPF. Nationwide (residents in Mass., Minn., and Wis., must call UHC AARP for enrollment options) Foreign travel emergency benefits available Blue Cross and Blue Shield Supplement to Medicare with Express Scripts Medicare (PDP) for CTPF Traditional comprehensive major medical (CMM) plan. You may use any physician. Plan typically pays 80% of 20% of allowed charges remaining after. Enhanced Medicare Part D prescription drug coverage. BCBS Group number: Customer Service Express Scripts Group number: CTPFRX Customer Service Complete CTPF Form 350 (available in the center of this book or online). Return the form and required documentation to CTPF. Nationwide Foreign travel emergency benefits available. Other foreign medical coverage may be available, contact BCBS. Physician Selection Choose any provider who accepts Medicare You may select your own physician LIFETIME MAXIMUM No lifetime maximum No lifetime maximum OUT-OF-POCKET MAXIMUM N/A $1,500 Annual Plan Year deductible SPECIAL deductibles $350 Hospital SERVICES Inpatient Skilled Nursing Facility (non-custodial) OUTPATIENT SERVICES 100% after (including Medicare Part A deductible) 100% after up to day 100. No benefit after day 100 (in benefit period) 80% of 20% of allowed charges remaining after 80% of 20% of allowed charges remaining after Surgery 100% after 80% of 20% of allowed charges remaining after 32 CTPF 2013 health insurance HANDBOOK and Open enrollment guide

2 Visit our website for more information Blue Cross Blue Shield HMO Illinois with Express Scripts Medicare (PDP) for CTPF HMO plan Traditional HMO. You must elect an HMOI primary care physician (PCP). Referral required for specialty care. Plan typically pays 100% after copayment. Enhanced Medicare Part D prescription drug coverage. Humana Group Medicare HMO with Part D Pharmacy Medicare Advantage plan Traditional HMO with network, referrals required. Includes Humana Group Medicare prescription drug coverage. BCBS Group number H Customer Service Express Scripts Group number: CTPFRX Customer Service Complete CTPF Form 350 (available in the center of this book or online). Return the form and required documentation to CTPF. Chicago area only/cook County Foreign travel emergency benefits available PCP directed, referrals required. Must use network provider Group number for Illinois plans For other service areas, group number is listed on insurance card Customer Service Contact CTPF Member Services at and request an enrollment packet. Return the completed packet and required documentation to CTPF. Chicago (Cook, DuPage, Kane, Kendall, & Will counties), Denver, Fla. (Daytona, Jacksonville, Orlando, S. Fla., Tampa) Kansas City, Louisiana (call for cities), Ariz. (Phoenix, Tucson), Puerto Rico, Salt Lake City, Texas (Dallas, Corpus Christi, San Antonio), Albuquerque, Las Vegas Foreign travel emergency benefits available Select a PCP from the listing at No lifetime maximum No lifetime maximum except inpatient mental health, (see behavioral health services) N/A $2,500 per individual, per calendar year. Excludes Part D pharmacy, extra services, and the plan premium $150 Copay, per day, for first five days of each admission, authorized services only days 1-20, no 3-day hospital stay required; $25 Copay per day, days , per benefit period $20 Copay $100 Copay per visit in hospital $75 Copay per visit in ambulatory surgical facility CTPF 2013 health insurance HANDBOOK and Open Enrollment guide 33

3 Plan Comparison Medicare Eligible Members Benefits AARP Medicare Supplement Plan F (UnitedHealthcare) with Express Scripts Medicare (PDP) for CTPF Blue Cross and Blue Shield Supplement to Medicare with Express Scripts Medicare (PDP) for CTPF Emergency Room 100% after 100% of 20% of allowed charges remaining after Lab/X-Ray 100% after 80% of 20% of allowed charges remaining after Chemotherapy, Radiation Therapy Speech, Physical and Occupational Therapy; Outpatient Rehab. 100% after 80% of 20% of allowed charges remaining after 100% after 80% of 20% of allowed charges remaining after PROFESSIONAL AND OTHER SERVICES Physician Office Visits Preventive Care (routine physicals, diagnostics, immunizations) 100% after 80% of 20% of allowed charges remaining after 100% after 100% of allowed charges after Medicare has paid Chiropractic Visits 100% after 80% of 20% of allowed charges remaining after Home Health Services 100% after 80% of 20% of allowed charges remaining after Allergy Shots 100% after 80% of 20% of allowed charges remaining after Vision Screening and Exams 100% after ; Not covered. Discount vision program offered through Davis Vision at Podiatry 100% after 80% of 20% of allowed charges remaining after Renal Dialysis 100% after 80% of 20% of allowed charges remaining after Transplants 100% after 80% of 20% of allowed charges remaining after Hearing 100% after ; Not covered Ambulance 100% after 80% of 20% of allowed charges remaining after Prosthetic Devices and Medical Equip. 100% after 80% of 20% of allowed charges remaining after 34 CTPF 2013 health insurance HANDBOOK and Open enrollment guide

4 Visit our website for more information Blue Cross Blue Shield HMO Illinois with Express Scripts Medicare (PDP) for CTPF HMO plan $90 Copay PCP notification recommended except in life threatening situation Humana Group Medicare HMO with Part D Pharmacy Medicare Advantage plan $25 Copay immediate care center $50 Copay emergency room Waived if admitted within 24 hours; applies for care outside US $10 Copay PCP $50 Copay outpatient hospital $50 Copay outpatient hospital when services are for restoration of physical function. Up to 60 treatments per year $10 Copay PCP $50 Copay outpatient hospital $20 Copay $10 Copay PCP PCP $20 Copay $20 Copay Medicare guidelines apply 100% when medically necessary $20 Copay Limited to one screening/exam every 12 months $20 Copay Routine foot care not covered unless diabetic See applicable service for benefit level. $20 Copay hearing exam Hearing aids not covered $10 Copay PCP $25 Copay in dialysis center 20% at hospital As any other disease at Medicare-approved Humana National Transplant Network only $25 Copay $50 Copay per date of service 10% in all places of treatment CTPF 2013 health insurance HANDBOOK and Open Enrollment guide 35

5 Plan Comparison Medicare Eligible Members Benefits Dental AARP Medicare Supplement Plan F (UnitedHealthcare) with Express Scripts Medicare (PDP) for CTPF 100% after ; Blue Cross and Blue Shield Supplement to Medicare with Express Scripts Medicare (PDP) for CTPF No coverage BEHAVIORAL HEALTH SERVICES Inpatient 100% after 80% of 20% of allowed charges remaining after Outpatient 100% after 80% of 20% of allowed charges remaining after PRESCRIPTION DRUG BENEFITS Retail Pharmacy (up to 30 or 31 day supply) Up to 31 day supply $5 Generic copay $30 Preferred brand copay Up to 31 day supply $5 Generic copay $30 Preferred brand copay Retail 90-Day Supply Mail Order 90-Day Supply Important Pharmacy Notes Prescription coverage is provided through the coverage gap and generally stays the same as the copays listed above. Non-Medicare Part D Drugs are covered as well as Medicare Part D drugs. NOTE: once your true out-of-pocket cost reaches $4,750, your copay may be reduced. Once you meet this cost threshold, you pay the greater of 5% coinsurance or $2.65 for generics/ multi source drugs, $6.60 for brand name drugs, but never more than the normal copay for the drug based on days supply. Prescription coverage is provided through the coverage gap and generally stays the same as the copays listed above. Non-Medicare Part D Drugs are covered as well as Medicare Part D drugs. NOTE: once your true out-of-pocket cost reaches $4,750, your copay may be reduced. Once you meet this cost threshold, you pay the greater of 5% coinsurance or $2.65 for generics/ multi source drugs, $6.60 for brand name drugs, but never more than the normal copay for the drug based on days supply. 36 CTPF 2013 health insurance HANDBOOK and Open enrollment guide

6 Visit our website for more information Blue Cross Blue Shield HMO Illinois with Express Scripts Medicare (PDP) for CTPF HMO plan Accidental care only: coverage provided for repair of accidental injury to sound natural teeth Humana Group Medicare HMO with Part D Pharmacy Medicare Advantage plan $25 Copay $150 Copay per day (days 1-5) in-network, per admission; authorized services only Inpatient psychiatric care: 190 day lifetime limit Alcohol and substance abuse: $150 Copay per day (days 1-5) in-network, per admission $20 Copay $10 Copay PCP $40 Copay outpatient facility Up to 31 day supply $5 Generic copay $30 Preferred brand copay Prescription coverage is provided through the coverage gap and generally stays the same as the copays listed above. Non-Medicare Part D Drugs are covered as well as Medicare Part D drugs. NOTE: once your true out-of-pocket cost reaches $4,750, your copay may be reduced. Once you meet this cost threshold, you pay the greater of 5% coinsurance or $2.65 for generics/ multi source drugs, $6.60 for brand name drugs, but never more than the normal copay for the drug based on days supply. Up to 30 day supply $5 Preferred generic copay $30 Non-preferred generic or preferred brand copay 25% Coinsurance for specialty drugs* (max. $150 per prescription) 30-day mail order supply also available with $0 preferred generic copay. All other copays same as retail 30-day supply. $15 Preferred generic copay $90 Non-preferred generic or preferred brand copay $135 Non-preferred brand copay $0 Preferred generic copay $60 Non-preferred generic or preferred brand copay NOTE: Once your true out-of-pocket cost reaches $4,750, the greater of $2.65 for generic/multi-source drugs ($6.60 for all others) or 5% coinsurance applies. * Specialty medications limited to a 30-day supply CTPF 2013 health insurance HANDBOOK and Open Enrollment guide 37