If you are 65 years of age or older, it's a whole new ballgame....
THE GOOD
  • 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%.

THE BAD
  • 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.

Much more comprehensive information on coverage is available at www.ebview.com/dalrc


Copies of the handouts from the DALRC meeting are available on this website: See Medical or Dental.

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