Medicare & MHBP

Medicare and MHBP

MHBP knows that Medicare benefits alone may not meet your total health care needs or expenses. That’s why our Standard Option is the perfect complement when you have Medicare Parts A and B as your primary coverage.* Experience greater savings, comprehensive benefits and coordination of benefits that is a breeze. Take a closer look at how Standard Option can benefit you. MHBP Standard Option offers you:

• Affordable rates
• Valuable benefits

What we cover:

• 100% of your Medicare Part A deductible.
• 100% of your Medicare Part B deductible.
• The remaining balance (after Medicare pays) for services covered under our plan—eliminating most of your out of pocket expenses—nearly 100% coverage!
• Comprehensive prescription drug benefits for only low copayments and there’s mail order pharmacy service for added savings and convenience.
• 100% coverage for preventive screenings—mammogram, prostate, osteoporosis and more.
• 100% lab benefit—when Quest Diagnostics processes and bills MHBP for your covered lab tests.

What we waive:

• Our medical deductible—$350/$700 (Self/Family) savings.
• Medical copayments and coinsurance* for covered care—ranging from $20 for office visit copayments, to $200 for inpatient per admission copayments.
• MHBP is there for you 24 hours a day, 7 days a week (talk to a live person!) when you call us at 1-800-410-7778 or 1-800-852-7195 (TTY/TDD for the hearing impaired).

MHBP goes further to provide enhanced coverage, including:

• Overseas coverage—You receive PPO-level benefits for covered care anywhere in the world—a feature not included with Medicare.
• Chiropractic care—Medicare does not cover chiropractic care, but MHBP does (up to $2,500 combined annual maximum for chiropractic, acupuncture and rehabilitative therapies).
• Diabetic and ostomy supplies—coverage beyond what Medicare provides.

Take advantage of our hearing and vision member discount programs.**

For more information about Standard Option and Medicare, view the Official Plan Brochure.

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.

* 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. The MHBP does not pay 100% if the annuitant uses a doctor under a private contract that provides for direct billing and no Medicare coverage. 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 neither offered nor guaranteed under contract with the FEHB Program, but are made available to all persons who are eligible for FEHBP coverage.

2