Coordinating Your Medicare Benefits
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Coordinating Your Medicare Benefits
MHBP Standard Option is the perfect companion to your Medicare coverage, offering additional benefits and protections that Medicare may not cover. So whether you are retired or still working, MHBP and Medicare Parts A & B work together to reduce your out of pocket costs for covered services.
1. MHBP Picks Up Where Medicare Leaves Off
If you are retired, MHBP generally pays 100% of the difference between what Medicare pays and the allowed amounts for covered medical services when you have Medicare Parts A & B.* This includes paying Medicare’s per-admission hospital deductible and waiving other deductibles, co-payments and coinsurance you would normally have to pay.
If you work and Medicare pays secondary to your MHBP benefits you still save because you can file a claim with Medicare for any remaining balances for covered expenses after MHBP has processed your claim.
And if you live, work or travel abroad, MHBP provides benefits outside the United States. Medicare does not.
2. MHBP Coordinates Your Medical Benefits
Coordinating benefits with Medicare has never been easier. For your convenience, when Medicare is your primary coverage we can automatically retrieve your paid claims from Medicare and process any remaining balances for covered expenses under your MHBP benefits.
3. MHBP Provides Prescription Drug Benefits
The MHBP covers prescriptions for only a low copayment when Medicare A & B is your primary coverage and you have MHBP Standard Option. In addition, MHBP uses a formulary (drug guide), offering you three levels of opportunities to save through low co-payments, whether you use a network retail pharmacy or our convenient mail-order program.
The mail-order program can be used for maintenance prescription drugs, and you can receive up to a 90-day supply of covered medication for just one low co-payment.
Even if the MHBP Standard Option is your primary coverage, you still save on prescription drugs purchased through mail order or from a network retail pharmacy.
4. MHBP Provides Hearing and Vision Programs
5. MHBP Offers Additional Dental and Vision Benefits
* The information provided here assumes that Medicare is your primary coverage. Plan will waive applicable coinsurance on nursing services. When Medicare Part B is primary, the Plan will waive applicable coinsurance on outpatient mental health/substance abuse services. The Plan will not waive the copayments and coinsurance for retail or mail order prescription drugs. If you have a Medicare Advantage Plan, MHBP will not waive our copayments, coinsurance and deductibles. If you are enrolled in Consumer Option, the Plan will not waive any deductibles, copayments or coinsurance when you have Medicare Part A and/or B as your primary payer.
** These benefits are not part of the FEHB contract, but are made available to all MHBP members at no additional premium. You cannot file a FEHB disputed claim about them. The fees you pay for these services do not count toward FEHB deductibles or out-of-pocket maximums.
+These benefits are not part of the FEHB contract or premium, and you cannot file a FEHB disputed claim about them. The fees you pay for these services do not count toward FEHB deductibles or out-of-pocket maximums. The MHBP Dental Supplemental Program is underwritten by First Health Life & Health Insurance Company and Cambridge Life Insurance Company.
++ These benefits are not part of the FEHB contract or premium, and you cannot file an FEHB disputed claim about them. The fees you pay for these services do not count toward FEHB deductibles or out-of-pocket maximums.
Note: When you are enrolled in the MHBP Consumer Option and have Medicare Parts A and/or B as your primary payor, the Plan will not waive any deductible, copayments or coinsurance, including the deductible, copayments or coinsurance for prescription drugs.