MCHCP has chosen the UnitedHealthcare® Group Medicare Advantage (PPO) plan for your medical coverage.
The word “Group” means that UnitedHealthcare® designed this plan just for MCHCP. Only eligible Medicare-Eligible Non-Active MCHCP members can enroll in this plan.
“Medicare Advantage” is also known as Medicare Part C. These plans have all the benefits of Medicare Part A (hospital coverage) and Medicare Part B (doctor and outpatient care) plus extra programs that go beyond Original Medicare (Medicare Parts A and B).
The UnitedHealthcare® Group Medicare Advantage (PPO) plan is a PPO plan with a Medicare contract. You will have access to the UnitedHealthcare® provider network with nationwide coverage. You can see any provider (network or non-network) at the same cost share, as long as they accept the plan and have not opted out of Medicare.*
Once you are enrolled, you will receive a Welcome Packet as well as a member ID card from UnitedHealthcare®. Each member of your family that is eligible to enroll in the UnitedHealthcare® Group Medicare Advantage (PPO) plan is enrolled separately and will get their own packet of information. The packet will have more information about services covered by this plan.
In addition to the medical services, UnitedHealthcare offers special programs, like SilverSneakers®. SilverSneakers® includes access to exercise equipment, classes and more at 15,000+ fitness locations.
Preventive services are covered with no cost sharing. Most other services have copayments. That means you have a set fee and the plan will pay the rest. You do not have to meet deductible before the plan starts paying for these services – you just owe the copayment. For services with coinsurance, you must first meet the deductible before the plan will pay. Once the deductible is met, you will have to pay a 20% coinsurance.
Note: If you keep MCHCP coverage through UnitedHealthcare’s Group Medicare Advantage (PPO) Plan, you may lose a Medicare guarantee issue right to a Medigap policy. This is important if you decide you want to drop MCHCP coverage and want to return to original Medicare and purchase a Medigap policy. If you elect to drop your UnitedHealthcare Group Medicare Advantage (PPO) plan coverage through MCHCP, you may or may not qualify for Medigap guaranteed issue rights. Guaranteed issue rights, or Medigap protections, are rights you have in certain situations when an insurance company cannot refuse to sell you a Medigap policy. Check with Medicare to learn more about these rights. As a reminder, Original Medicare has a specific Open Enrollment period. If you decide to cancel MCHCP coverage, you will not be able to enroll with MCHCP in the future.
*Hearing aids are only available through UnitedHealthcare® Hearing.
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