ATTN: National Guard and Reserve retirees to help with out-of-pocket expenses — as a member of the Military Officers Association of America (MOAA), you may now be eligible for this Military Officers Association of America (MOAA) benefit!
As a National Guard or Reserve retiree you may qualify to purchase the TRICARE Retired Reserve coverage made available with the FY2010 National Defense Authorization Act. This is good news because now you may have this alternative healthcare option available to you. In fact, it may be ideal for members who have been forgoing healthcare coverage altogether, are self-employed or who are currently covered by a more expensive civilian healthcare plan.
TRICARE Retired Reserve can help provide you and your family with quality healthcare coverage. But as good as TRICARE is, it’s not intended to cover everything. If you purchase TRICARE Retired Reserve, there may be out-of-pocket costs for co-payments, cost-shares and excess charges you will have to pay for. And these costs could add up to hundreds—even thousands—of dollars out of your pocket.
The MOAA MEDIPLUS TRICARE Retired Reserve Supplement can help reduce your co-pays, excess charges and cost shares after you meet your annual TRICARE Retired Reserve and MEDIPLUS deductibles.
National Guard and Reserve retirees may be eligible to purchase the DoD’s TRICARE Retired Reserve coverage. This means, as a member of the Military Officers Association of America (MOAA), you also qualify for MOAA’s MEDIPLUS TRICARE Retired Reserve Supplement. Team them together for more valuable coverage!
MOAA sponsors the MEDIPLUS® TRICARE Retired Reserve Supplement Insurance Plan to help reduce your unexpected out-of-pocket expenses. The MEDIPLUS TRICARE Retired Reserve Supplement helps cover cost-shares not fully reimbursed by TRICARE for covered doctor visits, hospital stays, surgeries, prescription drug cost-shares and covered excess charges (up to 15% above the TRICARE allowed amount), once any applicable TRICARE and MEDIPLUS deductibles have been met.
The MEDIPLUS TRICARE Retired Reserve Supplement has you covered:
The MEDIPLUS In- and Outpatient Plans may be ideal for you. You’ll get additional protection to help pay for Hospital bills, doctor visits, outpatient care and prescription drugs. You can choose between two deductible options to fit your budget:
— $250 per person/$500 per family
— $400 per person/$800 per family
This means your acceptance into this plan is guaranteed. However, insurance benefits payable are subject to the policy’s Pre-Existing Conditions Limitation.
Your MEDIPLUS coverage starts on the first day of the month after the administrator receives your Enrollment Form and first premium payment. You will be immediately covered for all new health conditions. Any current injuries or illnesses will not be covered until after six months.
|TRICARE Retired Reserve Supplement Monthly Rates*|
|Retiree In- and Outpatient Plans|
|$400 Per-Person Deductible||$250 Per-Person Deductible|
*For your convenience, you will be billed quarterly. Premiums are based on each person’s attained age and increase upon entry into each new 5-year age bracket. Rates and/or premiums may be changed on a class-wide basis. Your 12-month deductible period will begin with the effective date of your coverage. (This may not coincide with the TRICARE calendar year deductible period.)
**You qualify for nonsmoker rates if you have not smoked cigarettes, cigars, or used a pipe or chewing tobacco, nicotine product or snuff in the past 12 months prior to enrollment.
†Upon the MOAA member reaching age 60, your MEDIPLUS TRICARE Retired Reserve Supplement coverage will terminate, due to no longer meeting the TRICARE Retired Reserve eligibility requirements. If you are switching to TRICARE Select or TRICARE Prime for retirees, you will need to notify the MEDIPLUS plan administrator of your change in status at 1-800-247-2192
If you are age 65 or older and ineligible for Medicare, you can continue MEDIPLUS as long as you remain TRICARE eligible. Please contact the Plan Administrator for age 65+ rates.
Additional Plan Details
You can rest assured your protection can stay with you wherever you go. Even if you change jobs or move, you can keep your MEDIPLUS protection. (Unlike employer-provided plans that end when you leave your job.)
Seamless transition to other MEDIPLUS coverage when your military status changes. Once your TRICARE Retired Reserve coverage ends, you can change your MEDIPLUS coverage to a TRICARE Select Supplement to pair it with TRICARE Select. And if you switch to TRICARE Prime for retirees, you can also switch to a MEDIPLUS TRICARE Prime Supplement you just need to notify the MOAA Insurance Plans Administrator of this change.
Filing MEDIPLUS claims is fast and easy with DirectClaim, another unique benefit to MEDIPLUS. With DirectClaim, you will not have to complete MEDIPLUS claim paperwork after you access most of your eligible TRICARE benefits. You will be informed when your claim is filed electronically by a message on your MEDIPLUS Explanation of Benefits (EOB) form.
Please be aware that some TRICARE Supplement claims cannot be processed electronically, such as any prescription claims and most Skilled Nursing or Skilled Nursing Facility, nursing home claims and claims filed from overseas. For these, you will need to submit paper claim filings to MEDIPLUS. Claim forms are accessible on this website.
If a claim for service is submitted through DirectClaim and TRICARE has paid the provider(s) directly, any payment due under a MEDIPLUS TRICARE Retired Reserve Supplement will be paid directly to the provider(s).
It's important that the MEDIPLUS applicant’s name appears on the enrollment form the same as it is on their military ID card to ensure proper claims processing.
MEDIPLUS is ideal for the whole family - yourself, your spouse and your kids. It's even perfect for your kids at college. It provides valuable coverage at affordable group rates. And, MEDIPLUS can be used at most student health service centers where TRICARE is accepted. But that's not all.
MEDIPLUS will be there for your family, even if something happens to you. If you die, your eligible spouse's MEDIPLUS coverage will continue at no cost until he or she remarries, reaches age 65 or becomes Medicare-eligible.
Children can continue their MEDIPLUS protection premium-free for ten full years, or until they marry or reach age 21 (23 if a full-time student or 26 if enrolled in TRICARE Young Adult; or age 25 if a resident of Montana). Your family automatically qualifies for this additional benefit as long as you, your spouse and children are continuously covered by MEDIPLUS for at least six months before you die.
This benefit is not available with the MEDIPLUS TRICARE Prime Supplement Plan, but would continue if your family moves from the MEDIPLUS TRICARE Retired Reserve Supplement to the MEDIPLUS TRICARE Select Supplement coverage for retirees.
|Type of Insurance:||MEDIPLUS TRICARE Retired Reserve Supplement|
|Designed For:||Military Officers Association of America (MOAA) members and dependents|
|Underwritten by:||Hartford Life and Accident Insurance Company, One Hartford Plaza, Hartford, CT 06155|
|Policy Form Number:||TRICARE Form Series includes GBD-3000, GBD-3100, or state equivalent.|
|Issue Ages||Through age 59|
Retired National Guard and Reserve members under age 60 and covered by TRICARE Retired Reserve. You can also enroll your spouse or children without enrolling yourself. Your spouse is eligible as long as he/she is under age 65 and not legally separated or divorced from you. Your unmarried children are eligible if they are under age 21 (23 if enrolled full-time in higher-learning or 26 if enrolled in TRICARE Young Adult; or age 25 if a resident of Montana). You and your family must not yet be eligible for Medicare. Member and Spouse cannot duplicate coverage by enrolling as dependents of each other.
Your MEDIPLUS protection will not be canceled due to claims or a change in your health, and you cannot be singled out for a rate increase. Your coverage continues as long as you pay your premiums when due, keep your Military Officers Association of America (MOAA) membership, remain ineligible for Medicare and the MEDIPLUS master policy remains in force. Your dependent’s coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet eligibility requirements. Your spouse is eligible for coverage as long as they are not legally separated or divorced from you.
Hospital means an institution which TRICARE recognizes as a hospital. Skilled Nursing Facility means an institution that: operates pursuant to law; in addition to room and board accommodations, is primarily engaged in providing skilled nursing care under the supervision of a Physician; provides continuous 24 hour a day nursing service by or under the supervision of a registered graduate nurse (R.N.); and maintains a daily medical record of each patient. Skilled Nursing Facility does not mean a Hospital or any institution or part thereof that is used mainly as a home or place for: the aged, or for rest, custodial or educational care; alcoholism and drug addiction; the treatment of Mental Illness. Confined or Confinement means being an inpatient in a Hospital or Skilled Nursing Facility due to Sickness or Injury.
We will not pay a benefit under The Policy for any expenses Incurred: during the first 6 months of the Covered Person’s coverage; and which are the result of Pre-existing Conditions. Please consider this limitation before canceling any other health insurance you may have.
These TRICARE Supplements do not cover: 1.) injury or sickness resulting from war or act of war, whether war is declared or undeclared; 2.) intentionally self-inflicted injury; 3.) suicide or attempted suicide, whether sane or insane. The Policy limits coverage for: 1) routine physical exams and immunizations, except when: a) rendered to a child up to 6 years from the child’s birth; or b) ordered by a Uniformed Service: i)for a Covered Dependent of an Active Duty Member; ii)for such Dependent’s travel out of the United States due to your assignment; or c) required for school enrollment (but not sports physicals) by a Covered Child aged 5 through 11; 2) domiciliary or custodial care; 3) eye refractions and routine eye exams except when rendered to a child up to 6 years from the child’s birth; 4) eyeglasses and contact lenses; 5) prosthetic devices, except those covered by TRICARE; 6) cosmetic procedures, except those resulting from Sickness or Injury, while a Covered Person; 7) hearing aids; 8) orthopedic footwear; 9) care for the mentally or physically incapacitated if: a) the care is required because of the mental or physical incapacitation; b) or the care is received by an Active Duty Member’s child who is covered by the TRICARE Extended Care Health Option (ECHO); 10) drugs which do not require a prescription, except insulin; 11) dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care; 12) any confinement, service, or supply that is not covered under TRICARE; 13) Hospital nursery charges for a well newborn, except as specifically provided under TRICARE; 14) any routine newborn care except Well Baby Care; 15) any expense or portion thereof which is in excess of the Legal Limit; 16) expenses in excess of the TRICARE Catastrophic Cap; 17) that part of any Covered Expense which is in excess of the TRICARE Allowed Amount, except as otherwise stated in the plan benefits; 18) expenses which are paid in full by TRICARE; 19) any expense or portion thereof applied to the TRICARE Outpatient Deductible; 20) purchase of a wheel chair, hospital type bed, or other durable equipment, unless TRICARE determines that purchasing the equipment costs less than renting it; 21) any part of a Covered Expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program; 22) any claim under more than one of the TRICARE Supplement Plans. If a claim is payable under more than one plan or benefit, payment will only be made under the provision that provides the highest coverage.
Important Information Regarding Veterans' Administration (VA) Hospitals — TRICARE supplement insurance policies pay benefits only after TRICARE has first reviewed and approved the expense. A review by TRICARE results in a TRICARE Explanation of Benefits ("EOB"). Many VA Hospitals currently do not submit their claims through TRICARE. Only claims TRICARE processes, resulting in an EOB, are subject to benefits under Hartford Life and Accident Insurance Company's TRICARE supplement insurance policies. If you use VA facilities for your care, please be aware of this TRICARE supplement policy requirement.
VA Hospitals also can charge the veteran a Category C copayment based on a means test per Public Law 99 Section 272. This law specifically applies only to the veteran and not the insurance company. The Hartford is not liable for payment of these charges.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
Note: MEDIPLUS may not be available in all states.
We're here to help! Please contact us in whatever manner is most convenient for you.
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| Insurance Company Address
Hartford Life Insurance Company
One Hartford Plaza
Hartford, CT 06155
What if I have second thoughts after I enroll?
You will have 30 days from the date coverage is effective to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.
Do I have to meet with an insurance agent?
Issuance of this Insurance Certificate is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your Insurance directly through the mail without meeting with an agent. You can, of course, talk to a customer service representative if you’d like by calling 1-800-247-2192.
Who is eligible for this insurance?
This supplement is only for retired National Guard and Reserve MOAA members and their families who have purchased coverage under the TRICARE Retired Reserve Program and are under age 60. Your spouse is eligible as long as he or she is under age 65 and not legally separated or divorced from you. Your unmarried children are eligible for coverage if they are under 21 (23 if full-time in higher learning or 26 if enrolled in TRICARE Young Adult; or age 25 if a resident of Montana).
What if I switch my primary coverage from TRICARE Retired Reserve to TRICARE Select or TRICARE Prime?
As your military status or your eligibility for TRICARE changes, your MEDIPLUS coverage can change with you. Once your TRICARE Retired Reserve coverage ends, you can change your MEDIPLUS coverage to a TRICARE Select Supplement to pair it with TRICARE Select. And if you switch to TRICARE Prime for retirees, you can also switch to a MEDIPLUS TRICARE Prime Supplement. You just need to notify the MEDIPLUS Insurance Plan Administrator of your change in status.
How do I enroll?
To enroll click on the "Get a Quote Now' button. Or, you can choose to download an enrollment form.
Plan may not be available in all states.
This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.
Your association shares a financial interest in this program, which benefits the entire membership.
Program Offered by: Association Member Benefits Advisors, LLC., which acts as the insurance broker for the Group Policyholder, is appointed by The Hartford, and is compensated for the placement of insurance.
TRICARE Form Series includes GBD-3000, GBD-3100, or state equivalent.