MEDIPLUS® coverage is designed to be flexible, allowing you to choose the coverage that's best for you and your family. Whether you choose the TRICARE Select In- and Outpatient Plan, Inpatient Only Plan or TRICARE Prime Plan, Military Officers Association of America (MOAA) members can count on valuable protection.
MEDIPLUS works hand-in-hand with your TRICARE coverage to help pay more of your covered medical bills and gives you protection for everything from Hospital stays to doctor visits and prescription drugs.
To learn more about how this plan works to supplement your current TRICARE plan, including costs, exclusions, limitations and terms of coverage, go to the Forms section and click on the appropriate link.
MOAA sponsors the MEDIPLUS® TRICARE Supplement Insurance Plan to help reduce your unexpected out-of-pocket expenses. The MEDIPLUS TRICARE Supplement helps cover cost-shares not fully reimbursed by TRICARE for covered doctor visits, hospital stays, surgeries, prescription drug cost-shares and excess charges (up to 15% above the TRICARE allowed amount), once any applicable TRICARE and MEDIPLUS deductibles have been met.
The MEDIPLUS TRICARE Supplement has you covered:
As a Military Officers Association of America (MOAA) member, you are eligible for group rates as shown.
|TRICARE Select Supplement Monthly Rates*|
|Retiree In- and Outpatient Plans - $400 Per-Person / $800 Per Family and $250 Per-Person / $500 Per Family Deductible|
|Age||$400 Deductible||$250 Deductible|
|Retiree In- and Outpatient Plans - $300 Per-Person / $600 Per Family and $150 Per-Person / $300 Per Family Deductible|
|Age||$300 Deductible||$150 Deductible|
|Retired Inpatient Only Plans|
|Age||$200 Per Person Deductible||No Deductible|
|Active Duty In and Outpatient Plan|
|Spouse (all ages)||$12.81||$13.44|
|Retired TRICARE Prime Supplement|
|Member or Spouse Age||Nonsmoker||Smoker|
*For your convenience, you will be billed quarterly. Premiums are based on each person's age when coverage becomes effective and increase after the next-highest age bracket is reached. Rates and/or benefits may be changed on a class basis.
**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.
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.
Additional Plan Details
This supplement is only for Military Officers Association of America (MOAA) members and their families and, as a result, you and your family are guaranteed acceptance. This means your acceptance into this plan is guaranteed, however, insurance benefits payable are subject to the policy’s Pre-Existing Conditions Limitation. Just complete and sign the enrollment form.
Your MEDIPLUS® protection will start on the first day of the month after we receive your completed enrollment form and first premium payment. You'll have protection for new health conditions right away and current health conditions are covered after six months.
Plus, the waiting period for current health conditions can be waived if you're losing your civilian employer plan or leaving active duty. In some cases it can also be waived for active duty family members.
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 Select Supplement will be paid directly to the provider(s). Under TRICARE Prime most network providers require the patient’s $20 co-pay at the time of the office visit, so the MEDIPLUS TRICARE Prime Supplement reimbursement of those Prime outpatient co-pays will be sent directly to the member. Only the Prime $20 co-pay for office visits will be reimbursed to the member. All other Prime co-pays will be reimbursed to the provider.
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.
Current health conditions will be covered right away, as long as you've had continuous MEDIPLUS coverage for six months and you discontinue TRICARE Prime during the TRICARE open enrollment period or you move to an area where TRICARE Prime is unavailable.
If you discontinue TRICARE Prime on a date other than the TRICARE open enrollment period, current health conditions will not be covered under your MEDIPLUS TRICARE Select Supplement for the first six months.
Even if you decide not to enroll yourself in MEDIPLUS, your spouse and children are still guaranteed acceptance. This means your acceptance into this plan is guaranteed, however, insurance benefits payable are subject to the policy’s Pre-Existing Conditions Limitation.
Make sure any TRICARE Supplement you use has this important benefit. If your doctor charges you more than what TRICARE allows, MEDIPLUS picks up the bills for you to cover up to 15% above the TRICARE-allowed amount. MEDIPLUS will help cover these excess charges as long as the TRICARE and MEDIPLUS deductibles are met.
With MEDIPLUS, you can be in better control because you choose your family's doctors and specialists. There are no "network" or "preferred provider" lists. Your family can go to any TRICARE-authorized doctor at any time.
MEDIPLUS can be ideal for the whole family - yourself, your spouse and your kids, even if they're at college. It provides 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 can be there for your family, even if something happens to you. As a retired member, 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. Spouses of active duty members will be covered for up to ten years or until they remarry, reach age 65 or qualify for Medicare.
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). 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. (The Waiver of Premium Benefit is not available under the MEDIPLUS TRICARE Prime supplement.)
When you say "YES" to MEDIPLUS, 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.)
|Type of Insurance:||MEDIPLUS TRICARE 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 SRP-1269, or state equ:ivalent.|
|Issue Ages:||Through age 64|
As a member of MOAA under age 65, and not yet eligible for Medicare you and your family are eligible for coverage. Your spouse is eligible as long as he/she is under age 65, not yet eligible for Medicare 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). 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, and the MEDIPLUS master policy remains in force. Coverage will terminate on the date you become eligible for Medicare. 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.
A Hospital must be engaged primarily in medical care and treatment of sick and injured persons on an inpatient basis, have full surgical facilities, be under the supervision of legally qualified physicians and provide 24-hour nursing services by R.N.'s to qualify. A sanitarium operated by or certified by the First Church of Christ Scientist, Boston, Massachusetts, also qualifies. A convalescent home; Skilled Nursing Facility; a place for rest, custodial care or care for the aged; or a place primarily caring for mental illness, drug addiction, or alcoholism does not qualify. In certain situations, an institution for the treatment of nervous, mental or emotional disorders is considered a Hospital under the MEDIPLUS TRICARE supplements.
Confined or Confinement means being an inpatient in a Hospital or Skilled Nursing Facility due to sickness or injury. 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 Period of Confinement.
If you or your covered dependents received medical treatment or advice for a health condition (including pregnancy) during the six months before the date your protection starts, that health condition won't be covered until the person has been enrolled in the plan for six months. 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 (in Missouri, while sane); 4.) routine physical exams and immunizations, except when: a) rendered to a Child who is less than 6 years of age; or b) required for school enrollment (but not sports physicals) by a Child aged 5 through 11; or c) ordered by a Uniformed Service: (1) for a Covered Spouse or Child of an Active Duty Member; (2) for such spouse or child’s travel out of the United States due to the Member’s assignment; 5.) domiciliary or custodial care; 6.) eye refractions and routine eye exams except when rendered to a child up to 6 years from his or her birth; 7.) eyeglasses and contact lenses; 8.) prosthetic devices, except those covered by TRICARE; 9.) cosmetic procedures, except those resulting from Sickness or Injury while a Covered Person; 10.) hearing aids; 11.) orthopedic footwear; 12.) care for the mentally or physically incapacitated if: a) the care is required because of the mental or physical incapacitation; or b) the care is received by an Active Duty Member’s child through the TRICARE Extended Care Health Option (ECHO); 13.) drugs which do not require a prescription, except insulin; 14.) dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care; 15.) any confinement, service, or supply that is not covered under TRICARE; 16.) Hospital nursery charges for a well newborn, except as specifically provided under TRICARE; 17.) any routine or newborn care except Well Baby Care, as defined; 18.) expenses which are paid in full by TRICARE; 19.) any part of a covered expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program; and 20.) any claim under more than one of the TRICARE Supplement Plans, or under more than one Inpatient Benefit or more than one Outpatient Benefit of the TRICARE Supplement Plans. If a claim is payable under more than one of the stated Plans or Benefits, payment will only be made under the one that provides the highest coverage, subject to the Pre-Existing Conditions Limitation. 21.) any expense applied to the TRICARE Outpatient Deductible, TRICARE Point-of-Service Deductible, Retiree Inpatient-Only Supplement Deductible or Retiree Inpatient/Outpatient Supplement Deductible.
Who is eligible for this insurance?
What if I have second thoughts after I enroll?
How do I enroll?
Do I have to meet with an insurance agent?
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.
The information on this site describes benefits available through this insurance program and is intended to provide a brief overview of the coverage. In the event of any conflict or inconsistency between the information on this site and the information contained in the underlying plan documents, the plan documents will in all respects control and govern. If any provision is not explained or only partially explained, your rights will always be determined under the provisions of the underlying plan documents. Insurance coverage and availability may differ by state. For complete plan details, please contact the Program Administrator, Military Officers Association of America (MOAA) Insurance Plans at 1-800-247-2192, Monday-Friday, 7:30 a.m. - 7:00 p.m. Central Time.
TRICARE Form Series includes SRP-1269, or state equivalent.
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Hartford Life and Accident Insurance Company
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