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AMRRC, Inc.

American Airlines Retirees' Committee, Inc.

American Airlines Retirees' Committee, Inc.American Airlines Retirees' Committee, Inc.

DISCLAIMER

The content included on this website page is for informational purposes only.  

It should not be considered, or substituted for, licensed professional advice or 

as the legal interpretation of benefits provided by Original Medicare or Medical Supplemental Plans offered by private insurance companies.

Please contact  Kobey Liles of  PROSURANCE   with your questions and the professional help you may need to understand all of the Medicare and Supplemental Plans offered bythe various insurance companies.. 


Kobey can also assist you with your AA Medical Retiree Coverage.  He is a licensed insurance professional in numerous states and can assist you in making the best choices for the medical coverage you need  and can afford.,

Kobey Liles (972) 740-2658

NEW EMAIL:   kobey.liles@prosurance.one

Choosing Your Supplemental Healthcare plan

Health Insurance Companies

 INVESTOPEDIA publishes unbiased product reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. 


Which are the best health insurance companies in the United States? 

It's hard to know how to even begin sorting through your multiple options when your employer offers a choice of health plans or you need to select a private health insurance policy. We've done some of the legwork for you by examining which of the more than 900 companies that sell health insurance in the U.S. are ranked highest by objective criteria for such factors as prevention, treatment, and customer satisfaction. 


We selected (9) recommended insurance companies that have a wide-range of available products, along with a few highly-rated regional companies.


To find the best policies for you and your family, you can start by entering your zip code and then other information at the companies' websites. That will direct you to policies available in your area and for your circumstances, at which point you can compare local physician, hospital, and pharmacy choices. You can also find the combination of premium price, deductibles, and other out-of-pocket expenses that is the best option for you.


Best Health Insurance Companies

  • Aetna: Best for Medicare Advantage
  • Blue Cross/Blue Shield: Best for Nationwide Coverage
  • Cigna Health Insurance: Best for Global Coverage
  • Humana: Best for 360 Degree (Wrap-around) Coverage
  • Kaiser Foundation Health Plans: Best for HMOs
  • United Healthcare Services Inc.: Best for the Tech Forward
  • HealthPartners: Best Midwest
  • Harvard Pilgrim Health Care: Best New England
  • Capital District Physicians' Health Plan (CDPHP, CDPHN): Best New York

Insurance Companies

2023 - Medicare Changes for prescriptions

Medicare Prescription Drug Cost

Medicare Prescription Drug Cost

Medicare Prescription Drug Cost

Changes to Prescription Drug Costs


Beginning in 2023, under a provision in the Inflation Reduction Act, Part D enrollees will pay no more than $35 per month for covered insulin products in all Part D plans, and will pay no cost sharing for adult vaccines covered under Part D. 


Also beginning in 2023, drug manufacturers will be required to pay rebates for drug prices that rise faster than the rate of inflation, which could impact costs for Part D enrollees. 


The law also adds a hard cap on out-of-pocket drug spending under Part D by eliminating the 5% coinsurance requirement 

for catastrophic coverage in 2024 and capping out-of-pocket drug spending at $2,000 in 2025, and authorizes the federal government to negotiate drug prices under Medicare, with negotiated prices for 10 Part D drugs first available in 2026. 

MEDICARE.GOV

Insulin CAP

Medicare Prescription Drug Cost

Medicare Prescription Drug Cost

 


 Starting January 1, 2023, plans cannot charge you more than $35 for a one month supply of each Medicare Part D 

covered insulin you take and you cannot be charged 

a deductible for your insulin. 


 If you get a 60 or 90-day supply of insulin, your costs cannot be more than $35 for each month's supply of each covered insulin. 


Learn more about the changes to insulin cost from the Medicare.gov website. 

Just Click on the Box Below.  

Insulin Costs

MEDICARE - premiums & deductibles

ORIGINAL MEDICARE - PART A

ORIGINAL MEDICARE - PART A

ORIGINAL MEDICARE - PART A

ORIGINAL MEDICARE - PART A 



Medicare Part A Coverage 

Inpatient hospital, skilled nursing facility, and 

some home health care services.  


Part A Premium

99% of Medicare beneficiaries DO NOT PAY a monthly 

premium since they have at least (40) quarters 

of Medicare-covered employment.


Original Medicare Part B Covers the Deductible of Part A.







ORIGINAL MEDICARE - PART B

ORIGINAL MEDICARE - PART A

ORIGINAL MEDICARE - PART A

ORIGINAL MEDICARE - PART B

Premium & Deductible 


Medicare Part B Coverage 

Physician services, outpatient hospital services, certain 

home health services, durable medical equipment, and other specifically defined medical and health services which 

are not covered by Medicare Part A. 


2022 Part B - Standard Monthly Premium:  $170.10

2023 Part B - Standard Monthly Premium: $164.00


Most people pay the standard Part B premium amount. 

However, if your modified adjusted gross income as reported on your IRS tax return from (2) years ago is above a certain amount, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.

 

2022 Part B Deductible 

2022 Part B Annual Deductible: $233.00

2023 Part B Annual Deductible:  $226.00 



MEDICARE, SUPPLEMENTAL PLANS, & MEDICARE ADVANTAGE PLANS

ORIGINAL MEDICARE

MEDICARE - Annual Election Period (AEP)

MEDICARE - Annual Election Period (AEP)

INITIAL  ENROLLMENT  FOR MEDICARE BEGINS WHEN YOU


1.  Turn 65 yrs. of age.

2.  You can enroll for Original Medicare up to (3) months in advance of your 65th birthday.

3.  When you enroll in Medicare, you should choose a supplemental medical plan & prescription drug insurance because Medicare does not cover all the medical expenses you can incur.


Original Medicare is administered by the Federal Government.

Part A - Hospital Insurance

Part B - Medical Insurance

                                      ________________________________________ 

Part C - Medicare Advantage (includes; Original Medicare Part B, supplement insurance coverage  (provided in stand-alone Plans F & G, and Part D for prescription drugs).


Part D - STAND-ALONE; Prescription Drug Coverage 

Plan F - STAND-ALONE; Supplement Plan to Parts A & B

Plan G - STAND-ALONE; Supplement Plan to Parts A & B


ORIGINAL MEDICARE Part A & Part B 

1.   Under Original Medicare, the government pays your healthcare providers directly for the healthcare services you receive.


2.   You can visit any hospital or see any doctor that accepts Medicare.  


PREMIUMS

1.   There is NO monthly premium for Part A,  

if you worked 40 quarters and paid taxes to Medicare.

2.   There is a monthly premium for Part B and it is deducted from your Social Security Benefits.

3.  If you do not yet collect Social Security Benefits, you will be billed quarterly for Part B.  

                                    _________________________________________

PART A - Hospital Coverage

Coverage for inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, home health care.

                             _________________________________________

PART B - Health Insurance 

Offers coverage for (2) types of services;


>  Medically necessary services to treat illnesses or conditions, such as, doctor's office visits, lab work and x-rays.


>  Outpatient surgeries, and preventive services to keep you healthy, like cancer screenings, including 3-D mammograms, pneumonia and flu shots. 

www.medicare.gov

MEDICARE - Annual Election Period (AEP)

MEDICARE - Annual Election Period (AEP)

MEDICARE - Annual Election Period (AEP)

Original Medicare and Medicare Advantage Plans are NOT the same.

           

The Annual Election Period (AEP) occurs EVERY YEAR  from October 15 - December 7.


AEP - DOES NOT impact those who are enrolling in Medicare for the first time.                

__________________________________________


During the AEP those who are already enrolled in Medicare can RE-EVALUATE their coverage and make 'some' changes to their Medicare Advantage Plan C,  and to Prescription Drug Coverage, Part D.  


WHAT Can You Change During the AEP?

  • Switch from Original Medicare to Medicare Advantage, or vice versa.
  • Switch from one Medicare Advantage plan to another.
  • Switch from one Medicare Part D (prescription drug) plan to another.
  • If you did not enroll in a Medicare Part D (Prescription Drug) Plan when you were first eligible for Original Medicare; you can do it during the Open Enrollment period although a late enrollment penalty fee may apply.
  • If you want to switch to a Medicare Advantage (Part C) Plan, you must meet some basic criteria.
  • You must be enrolled in  Original   Medicare Parts A and B.
  • You must live in the plan’s service area.


________________________________________

 MEDICARE ADVANTAGE PLANS 

You will keep your original Medical Part A (for hospital coverage) if you choose an Advantage Plan for your Supplement Health Insurance Coverage.

 

Advantage Plan will include Part B,  Part D, and supplemental insurance coverage for costs not covered by Medicare.  

  

A Medicare Advantage Plan should include the coverage provided by Parts A & B of Original Medicare. 

                                                                                       

_______________________________________

PLAN C - MEDICARE ADVANTAGE


1.   'Medicare Advantage Plans are offered by Private Insurance Companies (HMOs or PPOs).


2.   Advantage Plans cover most costs, 

but coverage is LIMITED to Medicare Approved Charges. You may be responsible for additional out-of-pocket expenses if your doctors charge more than what is allowed by Medicare. 


3.   You can purchase an Advantage Plan that includes Prescription Drug Coverage (Part D).

SUPPLEMENTAL PLANS PARTS: D, F, G

MEDICARE - Annual Election Period (AEP)

SUPPLEMENTAL PLANS PARTS: D, F, G

SUPPLEMENTAL (MEDIGAP) PLANS ARE PURCHASED FROM PRIVATE INSURANCE COMPANIES. 


PART D - Prescription Drug Coverage 

>  Provided only by Private Insurance Companies who have contracts with the federal government.


>  Advantage Plans include Plan D coverage for prescription drugs. 


>  Prescription drug costs are based on the designated formularies of the drug (brand-name, or generic) and on the Tier Category to which the drugs are assigned by the drug manufacturers. 


>  Vaccines, such as, Shingles, Diphtheria, Tetanus, Pertussis are not covered under Medicare.   However, they are generally covered under a stand-alone Part D (Drug Plan)  or a Medicare Advantage that includes Plan D. 


IMPORTANT:  It is "essential" that you know what type of PHARMACY (as defined by your Plan D) that you are using for your medications.  The co-pays can be hugely different depending on the local pharmacy you use. 

  

  • Preferred in-network pharmacy: most often offer prescriptions at lowest  cost-sharing amount.


  • Standard in-network pharmacy: typically, prescriptions will have a higher  cost-sharing amount.


  • Out of network pharmacy: at an out of network pharmacy you will not be able to utilize your prescription drug coverage. You will pay for the cost of the prescription. 


  • Mail-Order  (Least Expensive) 


PENALTY APPLIED: If you choose NOT to purchase Plan  D for Prescription Drug Coverage when you are eligible for Original Medicare a life-long penalty can be imposed. 


CONSIDER USING the GOOD RX PROGRAM

ASK YOUR PHARMACY ABOUT USING THE GOOD RX PLAN.


There are many instances when the Good RX costs are less expensive than your Part D Prescription insurance prices.  

             ________________________________________


PLAN F - Supplemental (Medigap) Coverage to Original Medicare Parts A & B. 

This plan pays 100% of any excess charges not covered by Medicare including your annual deductible for Plan B.   This Plan is no longer being offered by insurance companies.

                                 _________________________________________

PLAN G -  Supplement Medical Coverage to Parts A & B of Medicare. 

This plan is nearly identical to Plan F and covers excess costs from healthcare providers (charges exceeding Medicare-approved charges). 


>  This plan covers 100% of Plan A excess amounts.

>  This plan covers 100% of Plan B excess amounts, but it does not pay the annual deductible required by Plan B. 

>  Excess charges occur when medical providers charge more than what Medicare allows. By law, providers can't charge more than 15% of what Medicare covers.


 

NEW MEDICARE CARDS

CHANGING A MEDICARE ADVANTAGE PLAN

SUPPLEMENTAL PLANS PARTS: D, F, G



The new Social Security Card does not include your Social Security Number.


Please ensure you give your healthcare providers the new number on your Medicare Card.        

        __________________________________


MEDICARE ADVANTAGE PLAN

If you have a Medicare Advantage Insurance Plan - you must keep your Medicare Advantage Plan Card for your Medicare Part A coverage. 


SOCIAL SECURITY - COLA

CHANGING A MEDICARE ADVANTAGE PLAN

CHANGING A MEDICARE ADVANTAGE PLAN

                                 2023 COLA 


Cost of Living Adjustment -8.7%


An 8.7%  cost of living adjustment in Social Security Benefits will occur in December 2022.


Social Security benefits are distributed to approximately 70 miIlion seniors and other beneficiaries (including those with disabilities and/or survivorships rights). 

CHANGING A MEDICARE ADVANTAGE PLAN

CHANGING A MEDICARE ADVANTAGE PLAN

CHANGING A MEDICARE ADVANTAGE PLAN

JANUARY 1  -  MARCH 31

Each year you have an opportunity to change your Medicare Advantage Plan Coverage. 


The changes that can be made are:


1.   If you already have an Advantage Plan, you have the option to switch to another Advantage Plan offered by a different insurance company. 


2.    If you are enrolled in a Medicare Advantage Plan, you can leave your plan and return to Original Medicare 

Parts A & B and purchase a stand-alone Part D for prescription drug coverage.


HOWEVER ~~~ you will also need to purchase a Supplemental Plan G to cover the costs that Medicare does not cover. 

 

You MUST go through an under-writing process with the insurance company to obtain supplemental plan coverage.   


Copyright © 2018 AMRRC, Inc. American Airlines Retirees Committee - All Rights Reserved.

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Retiree Event CR Smith Museum - March 10, 2023