Read Your Plan Description Very Carefully

This is only an outline describing your Program's most important features. The Summary Plan Description is your coverage contract. You must read the Summary Plan Description itself to understand all of the rights and duties of both you and the NEA Members Insurance Trust. You will receive your Summary Plan Description when you enroll, after which you have 30 days to change your mind.

 

Right To Return Your Plan Description

If you find you are not satisfied with your coverage, you may return your Summary Plan Description to the NEA Members Insurance Trust, c/o the Program Administrator, 1776 West Lakes Parkway, West Desmoines, IA, 50398. If you send it back within 30 days after your receive it--without claim--it will be treated as if it had never been issued and all of your payments will be returned.

 

Coverage Replacement

If you are replacing another health insurance policy, do NOT cancel it until you have actually received your new Summary Plan Description and are sure you want to keep it.

 

Notice

This insurance may not fully cover all of your medical costs.

 

NEA Members Insurance Trust is not connected with Medicare.

 

This outline of coverage does not give all the details of Medicare coverage. Contact your Social Security office or consult "The Medicare Handbook" for more details.

What This Program Does Not Cover

Coverage is not provided for any expenses which are not Medicare-approved, except as otherwise specified.

 

Pre-Existing Conditions

This Program will not pay benefits for injuries sustained or conditions for which you have been receiving medical treatment or advice within the last 6 months prior to your effective date until you have been insured for 6 consecutive months.

If this coverage replaces currently in force Medicare Supplement or primary hospital and medical reimbursement insurance coverage, then this pre-existing conditions limitation will be waived to the extent it was satisfied under the replaced coverage.

All the provisions of the Medicare Supplement Program described are contained in the NEA Members Insurance Plan, number 520, which is underwritten by the NEA Members Insurance Trust.

You will have lifetime protection as long as you remain an NEA or NEA-Retired member, make your payments when due, and NEA maintains the program.

Plan details can be found in the Summary Plan Description issued to each insured. The Summary Plan Description also includes a summary of your rights and protections under ERISA (Employee Retirement Income Security Act).

This Medicare Supplement Insurance Program is not connected with or endorsed by the U.S. Federal Government or Federal Medicare Program.

NEA MemberCare^® Medicare Supplement
900 Clopper Road, Suite 300
Gaithersburg, MD  20878-1356

If you have questions, please call the Program Administrator at 1-800-541-4119.