Promoting and protecting the health of our members by providing healthcare plans.
These plans are designed to provide supplemental benefits to Medicare Part A and Part B. These plans also cover Part D prescription drug benefits. Except as noted otherwise in the handbook, services not covered by Medicare are not covered by the plans. The medical benefits are based on Medicare’s approved amounts. For more information, review your Medicare & You handbook, visit Medicare.gov or call Medicare toll-free at 800-MEDICARE (800-633-4227) or TTY 877-486-2048.
HealthChoice SilverScript Medicare supplement plans provide supplemental benefits to Medicare Part A and Part B. Benefits are adjusted Jan. 1 of each year to coincide with Medicare. These plans provide Part D prescription drug coverage through our partnership with CVS Caremark and their SilverScript Employer Prescription Drug Plan.
The HealthChoice medical benefits are paid as if you are enrolled in both Medicare Part A and Part B. If you are not enrolled in Medicare, HealthChoice estimates Medicare’s benefits and provides coverage as if Medicare were your primary insurance carrier.
HealthChoice SilverScript High and Low Medicare Supplement plans offer the same Medicare supplement medical benefits for both plans. The difference in the high and low plans is in the pharmacy coverage.
HealthChoice Medicare supplement plans without Part D include creditable prescription drug coverage but not Part D coverage. These plans were specifically designed for members who:
- Already have Medicare Part D coverage through another plan or employer.
- Receive a subsidy for prescription drug benefits from their or their spouse’s employer.
- Receive VA benefits for prescription drugs but desire to maintain additional prescription coverage for medications not covered by the VA.
- Did not enroll in Part D coverage timely or at all and must wait for a Part D enrollment period or the next annual Option Period to enroll.
Note: Premiums for these plans are higher because HealthChoice does not receive a prescription drug subsidy from Medicare for members enrolled in these plans.
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The benefits of the dental plan are based on cost sharing features that include a deductible and coinsurance. Plan benefits and your out-of-pocket costs will differ depending on the provider you choose.