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Frequently
Asked Questions Is
it difficult to get this coverage?
No physical exam is required to get
coverage under any plan option. No health questions are asked and
you cannot be turned down for health reasons.
Can
my spouse get the coverage also?
Yes. As long as you remain a member and your spouse
is eligible for Medicare and is age 65 or over, she/he may
get this coverage.
What if I already have a Medicare Supplement policy?
You can switch to this new NEA MemberCare Program without
ever losing a day of coverage.
How
do I know which is the right plan for me?
Two considerations when selecting your Plan Option are (1) how
much out-of-pocket expense can you afford to pay, and (2) how much
do you want to pay for a Medicare Supplement Plan. Each of the plan
options provides a different level of insurance protection. You
should compare them and fit them to your personal needs and budget.
We recommend you give special consideration to plan options C, F,
J and L. To help you make an informed decision, detailed benefit
chart are available for all 12 plan options on the Summary
Page.
Is
it difficult to file a claim?
No. Claims for Medicare Part B expense are handled automatically
through electronic means once you give us authorization to do so.
Benefit claims for expenses not covered by Medicare will be paid
by filing a MemberCare Insurance Claim Form and sending in a copy
of your Medicare Explanation of Benefits (if any) to the Program
Administrator. You will receive claim forms with your program documents.
Payment will be made directly to you, unless you assign the benefits
to the provider.
What
happens if the government increases the Medicare
deductibles and co-payments?
The NEA MemberCare Medicare Supplement Program is designed
specifically to automatically match any increase in Medicare
Deductibles or Co-payments.
I'm in great health. Do I really need a Medicare Supplement?
Yes. Even if you're healthy now, there's always the
chance you will be in an accident, or you'll develop an
illness later on.
Can I choose my own doctor?
Yes. And you can choose any medical facility, as well.
(Benefits paid may vary if a non Medicare-approved facility
is chosen.)
Will
my coverage be canceled if I get sick?
No. As long as you pay your premiums, remain an NEA
member, and the Program remains in force, your coverage
will continue regardless of your health or the number of
claims you make. (Of course, you may cancel your coverage
whenever you wish.)
I've
heard a lot about Medicare Advantage. What do I need
to do if I want to keep my original Medicare and my NEA
MemberCare Medicare Supplement Plan?
You need do absolutely nothing. You can stay with
the original Medicare and your NEA Plan without lifting
a finger.
How can I find out more about Medicare Advantage?
See About Medicare Advantage or contact
your local Social Security Office for a copy of the booklet
"Medicare & You." You may also refer
to our new Consumer
Guide on Medicare and Medicare supplement insurance.
If
you have more questions, call the NEA MemberCare Medicare
Supplement service hotline, toll-free at 1-800-541-4119
weekdays between 7:30 a.m. and 4:30 p.m., Central Time.
Friendly service representatives will be glad to assist
you.
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