Welcome FEHB members. You probably have questions about Medicare
and how it works with your federal health benefits.
This video will explain what you need to know and how to sign up for better benefits.
We'll cover: The Medicare basics
How your federal health insurance benefits work with Kaiser Permanente Medicare health
plan coverage And finally, how to sign up
Let's start with the basics of Medicare.
Medicare is a federally funded national health insurance program, administered by the Centers
for Medicare & Medicaid Services.
You're eligible for Medicare if you are: 65 or older
Under 65 and disabled Or, if you're diagnosed with end-stage renal
disease
Medicare has four parts - A, B, C and D: Part A is usually free if you or your spouse
paid Medicare taxes for at least 10 years. Part B covers doctors, services and more.
Most people pay a standard premium to the federal government.
This amount could be higher, based on your income.
If you don't enroll in Part B when you're first eligible, your premium may increase
10% for each 12-month period you decline coverage. However, if you or your spouse keeps working,
you may be able to delay your Part B enrollment without a penalty.
Part C is Medicare coverage provided by a private insurance plan like Kaiser Permanente.
And finally, Part D is Medicare's prescription drug coverage.
So, now let's cover how our Medicare Advantage health plan works with your current FEHB coverage.
You must be a Kaiser Permanente FEHB member to enroll in Kaiser Permanente Senior Advantage
(HMO) for Federal Members.
If you're eligible, when you turn 65 you can enroll in Medicare Parts A and B--and then
enroll in Kaiser Permanente Senior Advantage for Federal Members.
When you do, your coverage and benefits get better than the ones you get with the FEHB
option you have now.
Did you know you can increase your coverage without increasing your FEHB premium?
With Senior Advantage, you get better benefits than you get with just your FEHB benefits
alone.
If you enroll in Senior Advantage, you'll get our lowest copays available to FEHB members.
And more.
Now let's look at a side-by-side comparison on this chart.
The benefits that members get by enrolling in Senior Advantage for Federal Members are
summarized here.
We've highlighted the benefits that are better when you enroll in Senior Advantage.
If you are an FEHB Basic Option member, you can get better benefits as well.
You'll find a more detailed side-by-side benefit comparison on this web page.
Just download Your 2017 Guide to choosing a Kaiser Permanente Medicare health plan.
This Guide will describe the better benefits you get by enrolling in Senior Advantage for
Federal Members.
Now let's talk about how to sign up Step 1:
You'll need to have Parts A and B to enroll in Senior Advantage for Federal Members.
Some of you may already be enrolled in Medicare. If so, you'll have the red, white and blue
card shown here.
If you need to enroll in Medicare, apply online at socialsecurity.gov.
You may also visit or call your local Social Security office.
Step 2: Enroll in Senior Advantage for Federal Members
Complete the Group Election Request Form
Mail it back in the envelope found in your enrollment kit.
With Senior Advantage for Federal Members, you can count on high marks from Medicare
and J D Power.
And remember, as a member of Kaiser Permanente's Medicare health plan, you'll continue to enjoy:
Great value and high-quality care Your choice of Kaiser Permanente doctors
Connected personalized care that works together for you
A full range of specialists Many convenient services, often in the same
location- and online programs that save you time
Plus: Care from a highly-rated Medicare health plan in the state.
Thank you for viewing this video. If you have questions, feel free to give us
a call. We're happy to help you understand some of
the great options you have for enhancing your Federal Employees Health Benefits Coverage.