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Can my spouse select a different insurance plan? |
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No. If you are a retired MMBB Member, you and your spouse must select the same plan. |
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Do I have to change doctors? |
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No. With this insurance plan, you can use your current doctor or any doctor(s) you choose that accepts Medicare. There are no differences in benefits based on the providers you use. |
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Do the Retiree Health Insurance Plans sponsored by MMBB cover pre-existing conditions? |
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Yes. If the covered person replaced a prior medical policy immediately prior to the coverage under The Hartford's plan and provides proof of coverage under such prior Medicare Supplement policy, The Hartford will waive the pre-existing condition limitation to the extent necessary to ensure the person does not lose benefits because of the replacement. If the benefits of The Hartford plan are greater than the prior policy, The Hartford will apply the pre-existing condition limitation to the increase in benefits. |
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For plans with prescription coverage, who provides the prescription coverage? |
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Prescription coverage is provided through CVS Caremark. |
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Do I need to be enrolled in Medicare Parts A and B to receive benefits under the plans? |
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No. Although Medicare Part A coverage is automatic, an individual can elect to opt out. Part B is optional. If the individual is not enrolled in both plans of Medicare, The Hartford will pay benefits assuming the person has Medicare Part A and Part B. Thus, The Hartford's benefits will pay its portion accordingly. As a result, the individual will have significantly more out-of-pocket expenses. Generally, the claims will take a little longer to process due to the fact that it's more difficult to send payment electronically and manual calculations need to be done in order to estimate what Medicare would have paid. |
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Will I have to file claims? |
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With your new medical/pharmacy coverage, there is usually no need to file claims. Simply present your ID card to your health care provider when you receive services. Doctors and other health care providers file your Medicare Part B claims with Medicare, and Medicare files your claim directly with WebTPA. |
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