Medicare Supplement Insurance


RIPEA sponsors group health insurance plans for members covered by Medicare. The insurance plans are through Anthem Insurance company and operate the same way as other supplemental Medicare plans. One of the insurance plans is a Medicare Supplement Plan N basic plan, and the other is the Comprehensive Plan a mirror of Medicare Supplement Plan F. These are excellent insurance plans that cover you anywhere you travel in the United States. They have been negotiated by an experienced insurance consultant retained by RIPEA. The premium for this coverage can be deducted from your Public Employees Retirement Fund (PERF) pension check.

Members who enroll in the Comprehensive Plan may also add the Value Plus Option which would enhance their coverage for certain routine expenses not covered by Medicare such as dental, vision, and hearing exams.

24/7 Nurse Line
Anthem Insurance plans for RIPEA make it easy to get care when and where you need it. They include a toll-free Nurse Line that is available 24 hours a day - 7 days a week to answer your health questions. Registered nurses help RIPEA members get answers about medical concerns and help them decide if they should go to the doctor’s office, emergency room, or urgent care. Members can also listen to short recordings on hundreds of health topics in the Audio Health Library. Only RIPEA members who have purchased one of our Anthem Insurance Plans are eligible for this benefit. For more information about this benefit, click on: 24/7 NurseLine. Anthem insured members must register at: www.anthem.com to be able to access the information from the Anthem website. To find information about registering, click on: Register on Anthem.

Discounts
Anthem Insurance Plan owners are eligible for Special Offers - discounts. These discounts include health care items, personal products and services (For example gym memberships) from major companies and over 20 other offerings. To read about the discounts available as of July 2018, click on: Special Offers - discounts.

Anthem Insurance owners who would like to read the most up-to-date list of discounts must register at: www.anthem.com to be able to access the information from the Anthem website. To find information about registering, click on: Register on Anthem. Once you are registered, login to the Anthem.com website and click on the “Discounts” tab.

When can you enroll in Medicare Supplemental Insurance Plans:

  • Within 90 days of your 65th birthday.
  • Within 90 days after your retirement date.
  • Annual open enrollment in December of each year.

2020 Medicare Plan Changes

Download 2019 Plan Brochure and Application (PDF) 
For more information and/or a packet describing this plan please contact us.

Medicare Advantage Plan


The RIPEA Advantage Plan is offered and administered by Anthem Blue Cross and Blue Shield.  This Advantage Plan works through a national PPO provider group that will allow RIPEA members across the US to have access to a largest group of providers.  In fact, the RIPEA Advantage Plan offers the very best provider availability, since insureds may receive services in or out of the network and the coverage is the same in and out of network.  Consequently, network availability is no longer an issue, and you may keep all your current providers.

The biggest advantage of a Medicare Advantage plan is that you may be able to get coverage for benefits that "Original Medicare" doesn't cover; such as prescription drugs, routine dental and vision benefits, hearing test and hearing aid coverage, as well as included memberships in fitness programs. Another advantage is that all these coverages are available in the Medicare Advantage Plan; you don't have to purchase several different plans.

Also, you still have Medicare rights and protections. Out of pocket costs are typically lower, since medical provider cannot charge you more than "Original Medicare" for certain services like skilled nursing facility care and chemotherapy.

THINGS TO KNOW:

ELIGIBILITY: To qualify for Medicare Advantage Plans, you need Medicare Parts A and B.  Normally you would need to live in the plans service area; however, with the RIPEA plan the service area is the USA.  People with End-Stage Renal Disease (permanent kidney failure) generally can't join; there are SN P's (Special Needs Providers) for them in certain areas.

ENROLLING AND UNENROLLING:

A) You can only join at certain time during the year unless you qualify for a Special Election Period (SEP). In most cases you are enrolled in the plan for one year.
B) Starting in 2019, the return of the Medicare Open Enrollment Period allows beneficiaries to switch to another plan or return to Original Medicare and enroll in a Medicare Supplement plan, if they are unhappy with their Advantage Plan.
C) If you enroll in the Medicare Advantage Plan and become unhappy with it, you are eligible during the first twelve months of coverage, to make a switch back to your original coverage.

KEY POINTS IN THE RIPEA ADVANTAGE PLAN:

A) This benefit plan is based on an HMO network, that allows members to receive the same coverage in and out of network.
B) This plan has no deductibles
C) This plan does not require referrals for hospital care
D) Everything is on a copay basis.
E) There is an "Out of Pocket" maximum that limits the overall expenditures. F) There is no age rating; therefore, you will not receive an age increase each year at your birthday. Rates are based solely on claims utilization and medical industry inflation.

Please review the plan to understand how it differs from "Original Medicare", and refer any questions to our "Senior Insurance Consultant" Jim Benge CHC (1-833-351-0073).

Plan Explanation from Senior Insurance Consultant  
Medicare Advantage Plan Enrolllment letter
Medicare Advantage Plan Enrollment Booklet

Medicare Prescription Plan Assistance


Jim Benge, RIPEA’s Senior Insurance Consultant, can help you decide which Medicare Prescription Plan is best for you based on the medications you are currently taking. If you would like to take advantage of this service, there is no cost for this service.

Please complete the form below and email it to jbenge@ripea.org or mail it to:

RIPEA
2415 Directors Row, Suite M
Indianapolis, IN 46241
Attn: Jim Benge

Prescription Drug Report Form

Medicare Summary Parts A, B, C, & D


Medicare was signed into law by President Lyndon B. Johnson in 1965 and became law on January 1, 1966. It provided a national health plan for senior citizens over the age of 65 and under age 65 with certain disabilities. It was called Medicare. Original Medicare had two distinct parts:

Part A: Hospital Expense
Part B: Physician Expense

View Full Summary