CHP Is Medicare Made Easy

Medicare Sales Representative

People eligible for Medicare can look forward to a lot when they join a Capital Health Plan Medicare Advantage plan. They’re not only joining the Southeast’s top-ranked Medicare plan; they’re receiving benefits in Capital Health Plan style. What does this mean? Ease, extra benefits, expansive physician network, local member service, and the savings of a nonprofit organization.

Additionally, CHP members enjoy the ease of “one-stop shopping” where they can find eye care, lab services, and physicians (accepting Medicare members) at our two conveniently located facilities. Radiology/imaging is also available at our Governor Square location.

CHP Medicare Advantage provides members with:

• CHP’s extensive network of primary care physicians and other health care providers
• worry-free travel knowing they have coverage for emergencies anywhere in the world.
• a nationwide network of over 62,000 pharmacies for prescription drug coverage
• a local customer-service team available to meet with them anytime Monday through Friday, 8:00 a.m. to 5:00 p.m.
• no need to file claims with Medicare
• full enrollment in the government’s Medicare program with all of its covered services, rights, and protections
• additional services from Capital Health Plan
• $150 toward eyeglasses every two years
• $150 health center reimbursement each year
• CHP Health Coaching: expert answers to your personal health questions

The annual Medicare election period is November 15 through December 31. In this period non-CHP members can join one of our Medicare plans, and current CHP members can change Medicare plans.

Capital Health Plan offers three different Medicare plans and makes it easy to learn details through seminars, brochures, and online resources. Visit our web site at www.capitalhealth.com to learn more, or contact CHP Member Services 8:00 a.m. to 8:00 p.m., seven days a week at 850-523-7441 or 1-877-247-6512 (TTY users 850-383-3534 or 1-800-955-8771).

Benefits, formulary, pharmacy, network, premium, and/or copayments/coinsurance may change on January 1, 2009. Please contact CHP for details. Capital Health Plan is a health plan with a Medicare contract.

Some Medicare members with limited income and resources quality for a Medicare program that provides extra help for prescription drug costs. Don’t assume you can’t qualify! The Low-Income Subsidy program, or LIS, can be very valuable, even paying for most of the monthly Part D premium and lowering prescription co-payments. The extra help could be worth up to $3,600 per year. To find out if you qualify, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778), or apply on-line at www.socialsecurity.gov.

To qualify in 2008* you must have:

• Income limited to $15,600 for an individual or $21,000 for a married couple living together.
• Resources limited to $11,990 for an individual or $23,970 for a married couple living together. Resources include such things as a bank account, stocks, and bonds. Your house and car are not counted as resources.

Even if your income or resources are slightly higher than these limits, you should still contact Social Security. Other deductions may be allowed, making you eligible for the extra help.

*These limits will change in 2009. If you support other family members, these limits may be slightly higher.

If Medicare Is in Your Future, Come to One of Our Regular Seminars

At this time of year, many of Capital Health Plan’s large employer groups are holding their annual open enrollments. Capital Health Plan is also preparing for its Medicare annual election and open enrollment periods. It’s time to learn what the CHP Medicare Advantage program—ranked highest in the Southeast by the National Committee for Quality Assurance—offers you. Here’s an overview, with easy ways to get more information. Note: If you are a current CHP member and you become Medicare eligible, you do not need to wait for an open enrollment or annual election period to enroll.

CHP’s Three Medicare Advantage Plans.

Two plans—CHP Advantage Plus and CHP Preferred Advantage—are direct-pay plans open to everyone who (1) has Medicare Part A and Part B; (2) lives in Leon, Gadsden, Jefferson, or Wakulla counties; and (3) does not have End Stage Renal Disease (this restriction does not apply to current CHP members). The third plan is CHP Retiree Advantage. Seventeen of Capital Health Plan’s large-employer groups offer CHP Retiree Advantage to their Medicare-eligible retirees (and their Medicare-eligible dependents). With CHP Retiree Advantage, these individuals can maintain the same CHP health care benefits they enjoyed as active employees.

The Benefits Of CHP Medicare Advantage.

All of our Medicare Advantage plans offer extra benefits, as well as covering all parts of Medicare.

• CHP coordination of all of your Medicare coverage.
• Automatic enrollment in a Medicare Part D (prescription drug) plan.
• No need for enrollment in a Medicare Supplemental or Medigap plan.
• A network of over 300 physicians who accept CHP Medicare Advantage.
• Emergencies covered anywhere in the world so you can enjoy worry-free travel.
• The same high-quality and cost-effective care that all CHP members receive.
• An eyeglass benefit of up to $150 every two years.
• Reimbursement of up to $150 yearly for health and fitness fees.
• Annual hearing exams.
• Personal and online services such as CHPConnect and CHP Health Coaching.

Capital Health Plan is a health plan with a Medicare contract. Benefits, formulary, pharmacy, network, premium, and copayments/coinsurance may change each contract year. Contact Capital Health Plan for details.

Find Out More about CHP Medicare Advantage FREE Seminars

CHP Advantage Plus and Preferred Advantage: Second and fourth Friday of every month
CHP Retiree Advantage: Second and fourth Wednesday of every month
Time and place: 10 a.m., Governor’s Square Health Center
Reservations: 850-523-7333
Information: Please call member services at 850-523-7441 or 1-877-247-6512 (TTY users 850-383-3534 or 1-800-955-8771), 8:00 a.m. to 8:00 p.m., seven days a week.

Donna Wells, Medicare Sales Representative

If Medicare Is in Your Future, Come to One of Our Regular Seminars

Please note: CHP Medicare Advantage Plans do not have a cap on occupational therapy, physical therapy, or speech/language therapy.

You may have heard that original Medicare will have a $1,810 cap on these therapies in 2008, but this will not affect you if you are enrolled in a CHP Medicare Advantage plan. Please call Member Services if you have questions at 877-247-6512 or 850-523-7441 (TTY 850-383-3534 or 800-955-8771), seven days a week, 8 a.m. – 8 p.m. Capital Health Plan is a health plan with a Medicare contract.

Are you approaching age 65 or retirement? Do you have questions about Medicare? Capital Health Plan regularly offers seminars for our members to learn the basics of Medicare, get answers to questions, and review the options in CHP Medicare Advantage plans.

Our Medicare Advantage program—ranked highest in the Southeast by the National Committee for Quality Assurance in U.S. News & World Report, “America’s Best Health Plans 2007TM”—covers all parts of Medicare including Part D (prescription drug benefit), offers extra benefits, and costs less than many Medicare supplemental plans. The program has three options.

CHP Preferred Advantage includes coverage of generic prescription drugs throughout the year, even during the government’s coverage gap (known as the “doughnut hole”).

CHP Advantage Plus is our original, popular Medicare plan. It carries a lower premium than CHP Preferred Advantage but does not include coverage of generic drugs during the gap.

CHP Retiree Advantage is sponsored by some employers. Through these plans, Medicare-eligible retirees continue their employer group health plan, including the group copayments and unlimited drug coverage with no gap.