If you are 65 years of age or older, it's a whole new ballgame....
You still have insurance.
The rate is the best in the industry.
The coverage is probably much better than you expected.
If you elect this coverage, Delta will pay a subsidy of $50 per month for you and the same for your spouse.
The plan is administered by Marsh Co, and all claims are transmitted through Medicare. No additional forms are required. Marsh will handle ALL claims - medical/prescriptiom, dental, and vision care.
There is NO lifetime maximum.
If you don't want the medical/prescription coverage, you may still select dental and/or vision coverage.
If the cost of the insurance causes a financial hardship, you may be eligible for payments in 2007 from a special $2million hardship fund.
The prescription coverage includes a prescription review consultation with your pharmacist.
No more mail in forms for 90 day prescriptions; get them at your pharmacy.
Medical coverages includes foreign travel. After a $250 deductible, it pays 80%.
It ain't cheap.
It won't be payroll deductible. You will receive a monthly bill which you may pay each month, or you may opt to have it deducted from your checking account.
Medical and prescription must be taken together. If you choose to cover a spouse, it must be at the same level. (There are two levels, the only difference being whether the drug "donut hole" is covered.) Dental and vision are separate add-ons.
If Medicare won't pay, this plan won't pay. The Hartford makes no claim determination.
If your drug isn't in the formulary, you probably won't get it.
If you opt out of medical coverage, you may never opt back in.
Foreign travel coverage has a $100,000 lifetime maximum.