Page 8 - Benefits-Guide-2020

Medicare Advantage Plans (Standard and Enhanced)
If you’re eligible for Medicare, then
you can enroll in one of two Medicare Advantage plans offered by the Insurance Trust: our Standard or Enhanced plan.
Like all of our medical products, our Medicare Advantage plans are provided by Anthem Blue Cross Blue Shield, so you’ll have peace of mind knowing your healthcare is covered by one of the largest, most established health insurers in the nation.
Both the Standard and Enhanced plans cover all your inpatient (Part A) and outpatient (Part B) care. You’re only responsible for copayments (and a small deductible with the Standard Plan).
Plus, our plans come with a companion prescription drug plan.
Comprehensive Coverage
• $0 copay for preventive care, including annual wellness visits, flu and pneumonia vaccines, mammograms, and colonoscopies
• A companion prescription drug plan
• Coverage in all 50 states, plus Puerto Rico
• Flexibility to use any doctor or hospital who accepts Medicare and the plan
• A low $2,500 annual out-of-pocket maximum
• One ID card, so you can leave your
Medicare card at home
• One Explanation of Benefits
• Foreign travel and emergency care coverage
• Telehealth visits with a board-certified doctor or licensed therapist on your smartphone, tablet, or computer
Standard vs. Enhanced: What’s The Difference?
Our Enhanced Plan has no deductible; while our Standard plan has a $750 deductible. In addition, the two plans have different copayments and coinsurance for certain covered services.
For example, you’ll pay a $40 copayment for visits to a specialist with the Standard plan, vs. a $25 copayment if you have the Enhanced plan.
For a complete list of copayment amounts, review the Summary of Benefits included in this booklet.
Both plans are PPOs with no network restrictions. So, you’ll have the freedom to see any provider who accepts Medicare and the plan, and you don’t need referrals.
8 | Insurance Trust For Delta Retirees | 2020 Benefits & Resources Guide