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The Hartford is the Medical Insurance carrier for retirees. They were chosen as the Medical Insurance carrier for the Retiree Group Medical Coverage because of their superior program and many years of experience in the retiree market. The medical plans that are available to you are designed to help you cover approved costs that Medicare may not pay.
You have the option to choose from three different Medical Plans. A Premium Plus Plan, Premium Plan and a Value Plan. You can choose the plan that best suits your healthcare needs and your budget.
Effective January 1, 2022, The Hartford is offering a NEW Medical Plan, the Premium Plus Plan. Did you know the NEW Premium Plus Plan is similar to Medicare Supplement Plan F? On the Premium Plus Plan, you pay your premium and the Premium Plus Plan covers everything else with no deductible and no copays on most services*. The Florida Department of Insurance has not approved the issuance of this new offering, so Florida residents are not able to enroll in this new plan unless you have another residence you can list outside the state of Florida.
Premium Plan and Value Plan Annual Out-Of-Pocket Maximum of $1,000 applies to Medicare Part B outpatient expenses only. Your deductible and any Part B coinsurance (your 10% cost share) will count towards meeting the annual out-of-pocket maximum of $1,000.
Under either the Premium Plus Plan, Premium Plan or Value Plan Medical plan, if you are admitted to the hospital you will have no cost for Medicare-approved inpatient services. For outpatient services:
Premium Plus Plan Medical Plan – After the Retiree pays their premium, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges.
Premium Plan Medical Plan – After the retiree pays the Medicare Part B front end deductible, he/she will be responsible for 10% of the cost of any Medicare-approved outpatient service up to an annual out-of-pocket maximum of $1,000, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges.
Value Plan Medical Plan – After the retiree pays the $400 front end deductible (which includes the Medicare Part B deductible), he/she will be responsible for 10% of the cost of any Medicare-approved outpatient service up to an annual out-of-pocket maximum of $1,000, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges. Value Plan Medical Plan is not available to Washington residents.
*For additional benefit information, please click on the forms and Benefit Guide below.
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| Plan Options | Cost Per Retiree or Spouse | ||
| Retiree Coverage | Spouse or Surviving Spouse Coverage | ||
| Premium Plus Plan | Age: <65 $314.36 Age: 65-69 $224.30 Age: 70+ $314.36 | Age: 65-69 $314.36 Age: 65-69 $224.30 Age: 70+ $314.36 | |
| Premium Plan | Age: <65 $259.38 Age: 65-69 $186.34 Age: 70+ $259.38 | Age: <65 $259.38 Age: 65-69 $186.34 Age: 70+ $259.38 | |
| Value Plan | Age: <65 $184.40 Age: 65-69 $138.08 Age: 70+ $184.40 | Age: <65 $184.40 Age: 65-69 $138.08 Age: 70+ $184.40 | |
| Plan Options | Cost Per Retiree or Spouse | ||
| Retiree Coverage | Spouse or Surviving Spouse Coverage | ||
| Premium Plan | Age: <65-90+ $165.47 | Age: 65-90+ $165.47 | |
| Age Group | Cost Per Retiree or Spouse | |
| Premium Plus Plan | Premium Plan | |
| 65-69 | $198.84 | $146.69 |
| Pre-65 & 70+ | $278.69 | $146.69 |
| Plan Options | Cost Per Retiree or Spouse | ||
| Retiree Coverage | Spouse or Surviving Spouse Coverage | ||
| Premium Plan | Age: 65-69 $129.94 Age: 70-74 $157.13 Age: 75-79 $186.77 Age: 80-84 $217.73 Age: 85-89 $238.67 Age: 90+ $250.23 | Age: 65-69 $129.94 Age: 70-74 $157.13 Age: 75-79 $186.77 Age: 80-84 $217.73 Age: 85-89 $238.67 Age: 90+ $250.23 | |
| Value Plan | Age: 65-69 $113.38 Age: 70-74 $137.57 Age: 75-79 $164.49 Age: 80-84 $193.41 Age: 85-89 $214.06 Age: 90+ $226.79 | Age: 65-69 $113.38 Age: 70-74 $137.57 Age: 75-79 $164.49 Age: 80-84 $193.41 Age: 85-89 $214.06 Age: 90+ $226.79 | |
| Plan Options | Cost Per Retiree or Spouse | ||
| Retiree Coverage | Spouse or Surviving Spouse Coverage | ||
| Premium Plan | Age: <65 $259.38 Age: 65-69 $186.43 Age: 70+ $259.38 |
Age: 65-69 $259.38 Age: 65-69 $186.34 Age: 70+ $259.38 |
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| Value Plan | Age: <65 $184.40 Age: 65-69 $138.08 Age: 70+ $184.40 |
Age: >65 $184.40 Age: 65-69 $138.08 Age: 70+ $184.40 |
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