NEA^® Retiree Health Program

No physical exam is required to get coverage under any plan option. During Open Enrollment periods or when you enroll in Medicare Part B for the first time, no health questions are asked and you cannot be turned down for health reasons.

Yes. As long as you remain a NEA member and a participant of this program and your spouse is eligible for Medicare and is age 65 or over, she/he may get this coverage.

You can switch to the NEA Retiree Health Program without ever losing a day of coverage.

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 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 F, G and N. To help you make an informed decision, a detailed benefit chart for all 10 plan options is on the Summary Page.

Rates can change once each year. The claims experience of the NEA Retiree Health Program is reviewed annually by the NEA Members Insurance Trust. If changes are needed in the premium rate schedules due to the overall claims experience of the program, your premium rate will change for this reason. For certain states, premium rates will also increase based on your attained age, up to and including age 70, regardless of the claims experience of the program. All claims experience premium rate changes and any applicable attained age premium increases are combined into one single rate change for your policy, once a year.

Yes, the NEA program’s exclusive premium rates are extremely competitive—we have lower rates on average than most popular Medicare Supplement Programs. The NEA Members Insurance Trust evaluates the plans offered and the premium rates annually to ensure these remain competitive. In most states, your premium rate is determined by your age when you enroll. Please review the applicable plans and premium rate schedules offered in your residence state to understand your cost when you enroll.^†

No. Most hospitals—inpatient or outpatient—and skilled nursing facilities file special forms directly with United American. Part B claims information is received directly from Medicare, virtually eliminating your need to file. And, with “Automatic” Claims Filing (ACF), most claims are handled automatically when doctors accept Medicare assignment. ACF is “paperless!” You do nothing!

The NEA Retiree Health Program is designed specifically to automatically match any increase in Medicare deductibles or co-payments.

Medicare will soon be making changes to individual Medicare Supplement insurance Plans C and F. Beginning January 1, 2020, individual Medicare Supplement Plans C and F will no longer be available to new Medicare enrollees. However, eligible NEA members, spouses and domestic partners who are already enrolled in the NEA Retiree Health Program will not be impacted by these changes, so you can keep your NEA Plan C or Plan F. Also, if you are an eligible NEA member, spouse or domestic partner who is not yet enrolled in the NEA Retiree Health Program, you can enroll in an NEA Plan C or Plan F after January 1, 2020. Plan C and Plan F will not be available in the individual Medicare Supplement market after January 1, 2020, but they will be available under the NEA Retiree Health Program.

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.

Yes. There are no lists to limit your choices. You have the freedom to choose any doctor or medical facility that accepts Medicare.

No. As long as you pay your premiums, remain an eligible NEA member, and the Program remains in force, your coverage will continue regardless of your health or the number of claims you file. (Of course, you may cancel your coverage whenever you wish.)

Nothing. You can stay with the original Medicare and your NEA plan without lifting a finger.

For a copy of the booklet “Medicare & You”. You may also refer to our consumer guide to Understanding Medicare and Medicare Supplement Insurance.