underwritten by: the epic life insurance company€¦ · medicare supplement insurance plans give...
TRANSCRIPT
WPS MEDICARE SUPPLEMENT INSURANCE PLANSYou’re never alone—we’re committed to helping you with your health careRates effective January 1, 2020
Choose the right Medicare supplement insurance plan with complete customer support!Visit mywpsmedicare.com
Plans A, G, K, L, and N
Neither Wisconsin Physicians Service Insurance Corporation, nor The EPIC Life Insurance Company, nor their products, nor agents are connected with or endorsed by the United States government or the federal Medicare program. WPS Health Insurance Medicare supplement insurance plans are underwritten by The EPIC Life Insurance Company. OK_MSS_1908
Underwritten by:
The EPIC Life Insurance CompanyA WPS Company
OK
2 | mywpsmedicare.com | 1-800-236-8809
ContentsMedicare alone is not enough ...........................................................................2
Committed to our customers .............................................................................2
Medicare supplement insurance plans are a great choice ........................3
Top reasons to choose our Medicare supplement insurance plans ......................................................................................................3
Our Medicare supplement insurance plans have five smart options ........................................................................................4
Choose from convenient payment options .....................................................4
Enrollment timeline ................................................................................................5
Premium rates ...................................................................................................6–7
Parts of Medicare ..................................................................................................8
Limitations and exclusions ..................................................................................8
Valuable programs included with your plan ........................................... 9–13
Medicare alone is not enough Medicare is a valuable benefit, but it doesn’t pay everything. Deductibles and coinsurance can add up. If you have Medicare alone, there’s a chance a serious illness or injury could exhaust your savings. Our Medicare supplement insurance plans help protect your health and retirement savings.
Committed to our customersFor more than 70 years, our top priority has been providing our customers the highest quality service and support. We are driven to make our products easy to use and understand.Of our Medicare supplement customers, 95% say they would recommend WPS1, and 95% choose to stay with WPS year after year1.
“I felt like I had a home at WPS. Someone to take care of me and someone I can turn to.”
—Jewel Customer since 2005
Eliminate the worry“ “
Personal service ensures you get the kind of attention you need when you have questions. We know your concerns and are equipped to help you get the answers you need to your Medicare supplement questions. We have your back! Judy is a customer service
rep who helps seniors get the most from their Medicare supplement plans.
1WPS customer support survey, 2018.
1-800-236-8809 | mywpsmedicare.com | 3
“Medicare supplement insurance plans are a great choiceMedicare supplement insurance plans give you the freedom to choose your own doctors and hospitals that accept Medicare anywhere in the U.S. This means you can keep your doctor or select a new doctor at any time. You have complete freedom to choose! And if you move, your coverage moves with you—anywhere in the U.S.
Plus, you always can keep your plan as long as you pay your premium. Your policy will never be canceled because of your health. As long as you pay your premium on time, your plan is guaranteed renewable for life.
Also, there is less paperwork and fewer worries. Automatic claims service means you don’t have to worry about filing claims or dealing with medical bills. Medicare sends us your claims electronically, so we handle them while you enjoy almost no paperwork.
Top reasons to choose our Medicare supplement insurance plans• Save money with our discounts
We offer a 7% discount when you and a second household member are enrolled in our Medicare supplement insurance plan.1 You also can get a 2% discount when you choose automatic bank withdrawal.
• You get treated like family When you call us, you reach our highly trained, caring, Midwest-based Customer Support team who answer your questions promptly and accurately.
• Strong commitment to ethics In 2019, Wisconsin Physicians Service Insurance Corporation (The EPIC Life Insurance Company’s parent company and administrator of our Medicare supplement insurance plans) was named one of the World’s Most Ethical Companies® for the 10th year in a row by the international Ethisphere® Institute.2
• You deserve to live your life Health care and health insurance are important, but honestly, you’ve got better things to do than worry about all of it. Let us help handle your medical bills while you handle all the activities you enjoy.
1Household: Two or more individuals who reside together in the same dwelling. Dwelling is defined as a single home, condominium unit, or apartment unit within an apartment complex. 22010-2019 World’s Most Ethical Companies®, Ethisphere® Institute, worldsmostethicalcompanies.ethisphere.com. “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.
4 | mywpsmedicare.com | 1-800-236-8809
Choose from convenient payment options
Coverage of Plan A Plan G Plan K Plan L Plan N
Basic benefits √ √ √1 √2 √
Part B coinsurance √ √ √1 √2 √3
Part A deductible √ 50% 75% √
Skilled nursing facility coinsurance
√ 50% 75% √
Foreign travel emergency
√ √
Part B excess charges
√
1After deductible, hospitalization and preventive care paid at 100%; other basic benefits paid at 50%. Out-of-pocket limit set by CMS; pays at 100% after limit reached.2After deductible, hospitalization and preventive care paid at 100%; other basic benefits paid at 75%. Out-of-pocket limit set by CMS; pays at 100% after limit reached.3After deductible, requires up to $20 copayment for office visits; up to $50 copayment for emergency room visits. Copayments do not count toward the annual Part B deductible.
Foreign travel coverage for emergency care that is not covered by Medicare is subject to a $250 calendar year deductible. Benefits are payable at 80% to a lifetime maximum benefit of $50,000 for services beginning during the first 60 days of each trip outside the USA.
The level of benefits available under the plan directly corresponds to the premium amount.
Our Medicare supplement insurance plans have five smart options
• Automatic bank withdrawal (includes 2% discount!)• Credit/debit card payment• Direct billing
Please see our Medicare supplement insurance plan enrollment application for additional instructions for selecting a payment option.
If you were eligible for Medicare prior to Jan. 1, 2020, please call us at 1-800-236-8809 for more plan options available to you.
1-800-236-8809 | mywpsmedicare.com | 5
Our Medicare supplement insurance plans have five smart options
Turn
65!Turn
65!
If you apply during your one-time open enrollment period, you won’t need to answer any health questions; simply submit a policy enrollment application.
One-time open enrollment
period ends
You cansubmit an application
or enroll in Part B
66Months
AfterMonths
After
33Months Before
Months Before
Enrollment timeline when you turn 65
Our Medicare supplement insurance plan monthly premium ratesEffective January 1, 2020Determine your rate area:
Area 1= All Oklahoma ZIP codes
RelocationIf, in the future, you permanently relocate to another state, Area 1 rates will apply.
Have other coverage that’s terminating or changing?If so, you may be eligible for guaranteed acceptance of this policy. Contact your agent or call our sales representatives at 1-800-236-8809 for information.
Enroll anytime after you turn 65Already passed the 65-year milestone?You can switch Medicare supplement insurance plans at any time throughout the year. You don’t have to wait for an annual enrollment period like you do with Medicare Advantage plans. If you can answer “No” to simple health questions or if you qualify for guaranteed issue, it’s easy to make the switch! Just contact your agent or call our sales representatives at 1-800-236-8809.
Coverage begins on the first of the month that you turn 65 and/or enroll in Medicare Part B, or on the effective date you request up to three months in the future.
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8 | mywpsmedicare.com | 1-800-236-8809
Parts of Medicare
The Medicare program has several different parts, which can be confusing if you’re unfamiliar with them. A Medicare supplement insurance plan works with your Medicare Part A and Part B coverage.
Part A Part B Part D
• Hospital care• Skilled nursing
facility care• Nursing home care• Hospice• Home health services
• Medically necessary outpatient services to diagnose or treat your medical condition
• Most preventive outpatient services, including an annual wellness exam
• Stand-alone prescription drug plans (PDP) help pay for medications
• Mail order options and access to retail pharmacies nationwide
Limitations and exclusionsNo insurance policy covers everything. Here’s a list of things this Medicare supplement doesn’t cover:
• Personal comfort items• Routine physical exams and any related diagnostic,
X-ray, and laboratory tests except those covered by Medicare
• Eye exams or hearing exams, except for those services covered by Medicare
• Orthopedic shoes or other supporting devices for the feet
• Routine foot care not covered by Medicare• Custodial care, including maintenance care or
supportive care• Cosmetic surgery, except as stated in the policy• Outpatient prescription drugs• Professional services not provided by a physician,
except as required by law• Routine immunizations, except if eligible under Medicare
and except as stated in the policy• Preparation, fitting, or purchase of eyeglasses or hearing
aids, unless covered by Medicare• Care, treatment, filling, removal, or replacement of teeth;
dental X-rays, root canals, surgery for impacted teeth, or other surgical procedures to the teeth or supporting structures
• Nursing home care costs beyond what is covered by Medicare
• If you terminate your Medicare coverage, expenses which would have been covered by Medicare
• Your Medicare Part A deductible, unless you purchase full or partial coverage of the Medicare Part A deductible
• Your Medicare Part B deductible• Physician charges above Medicare’s approved charge,
unless you purchase Plan G• Home health care beyond what is covered by Medicare• Any health care treatments, services, or supplies
received outside the United States, unless you purchase Plan G or N
• Any health care treatments, services, or supplies:- Not covered by Medicare, unless specifically stated in the policy- You, or anyone on your behalf, aren’t legally obligated
to pay for- Paid for by Medicare or another government entity
or program- For any injury, occurring on or after your effective
date, caused by an act of war- Provided by immediate family members or by anyone
else who lives with you- To the extent covered by workers’ compensation or
similar laws- Provided before the effective date of coverage or
after coverage ends- Determined by Medicare to be unreasonable or
unnecessary- For a military service-related condition treated at
any military or veterans hospital, or at any hospital contracted by any national government or agency
EyeMed Vision Care discount programAll our Medicare supplement insurance plan customers receive access to the EyeMed Vision Care discount program at no additional cost.1 EyeMed offers substantial savings on eye care and eyewear at thousands of provider locations nationwide.
Our Medicare supplement insurance plan customers receive a discount simply by showing their Medicare supplement ID card at participating EyeMed providers.
EyeMed’s provider network includes many familiar optical retailers, including:
Does your vision provider accept EyeMed? We would be happy to explain how this valuable program works and help you find a provider.
Vision Care Services Customer Benefits
Eye exam (with dilation, as necessary)
$5 off routine exam$10 off contact lens exam
Complete Pair Eyeglass Purchase2
Frames
Any available frame at provider location 35% off retail price
Standard Plastic Lenses
Single vision $50
Bifocal $70
Trifocal $105
Lens Options
UV coating $15
Tint (solid and gradient) $15
Standard scratch-resistant coating $15
Standard polycarbonate $40
Standard anti-reflective coating $45
Standard progressive (add-on to bifocal) $65
Other add-ons and services 20% off retail price
Contact Lenses (discount applies to materials only)
Conventional 15% off retail price
Laser Vision Correction
LASIK or PRK from U.S. Laser Network
15% off retail price5% off promotional price
Frequency of use for examination, frames, lenses, or contact lenses unlimited
EnrollWithEyeMed.com/access
Call us toll-free at 1-800-236-8809
1Vision discount program is not insurance, nor is it part of the insurance policy, and is offered at no additional charge. Enrollment in this program is subject to contract renewal. 2Frame, lens, and lens option discounts apply only when purchasing a complete pair of eyeglasses. If purchased separately, customers receive 20% off the retail price. Benefits may not be combined with any discount, promotional offering, or other group benefit plans, except as indicated. Discount plan is effective Oct. 1, 2019, through Sept. 3, 2021.
1-800-236-8809 | mywpsmedicare.com | 9
Valuable programs included with your planWe strive to provide the greatest value possible to our customers. Our Medicare supplement insurance plans include an impressive collection of added benefits that, unlike in other plans, are available at no additional cost for customers. The programs are not insurance and are not part of the insurance policy.
» America’s Best Contact & Eyeglasses
» Oklahoma City Vision Source
» Massengale Eye Care
» Stillwater Vision Clinic
» Empire Optical
» LensCrafters » Pearle Vision » Eyemart Express » And many more!
10 | mywpsmedicare.com | 1-800-236-8809
The Silver&Fit® Exercise and Healthy Aging Program1
When you choose Plan A, G, or N (not available with cost-sharing Plans K and L), you also get this great perk! At no extra cost, the Silver&Fit program gives you fitness center or select YMCA exercise center membership.
The Silver&Fit network includes Oklahoma locations of national fitness chains as well as dozens of regional and local gyms.2
1The Silver&Fit® program is provided by American Specialty Health Fitness, Inc. The ChooseHealthy® program is provided by ChooseHealthy, Inc. Both are subsidiaries of American Specialty Health Incorporated (ASH), a national provider of fitness, health education, musculoskeletal provider networks, and health management programs. Silver&Fit and ChooseHealthy are registered trademarks of ASH and used with permission herein. Services that require an additional cost are not included in the Silver&Fit program. Please note that these programs are not insurance. You should check any insurance benefits you have before using this discount program, as those benefits may result in lower costs to you than using this discount program. The program provides for discounts from participating specialty health care providers. You are obligated to pay for all services, but you will receive a discount from those providers who have contracted with the program. The program does not make any payments directly to the participating providers. The program has no liability for providing or guaranteeing services and assumes no liability for the quality of services rendered. Discounts on products available through the ChooseHealthy program are subject to change; please consult the website for current availability. Fitness programs are not part of the insurance policy and are offered at no additional charge. Enrollment in these programs is subject to contract renewal and can be changed or discontinued at any time. The Silver&Fit and ChooseHealthy programs are not included with Medicare supplement cost-sharing plans (Plans K and L). ²The fitness centers listed are participating in the Silver&Fit network as of November 2019. For the most current fitness center locations, please check the online directory at silverandfit.com.
The Silver&Fit network is continually growing, including the additions of fitness centers nominated by our customers. Visit silverandfit.com for a complete list of participating locations.
National Fitness Chains with Oklahoma Locations
Planet Fitness Gold’s Gym Anytime Fitness
Snap Fitness Genesis Health Clubs YMCA
Oklahoma City/Stillwater area
» Results Fitness and Nutrition Center
» Fitness 19
» Lawton Family YMCA
» Spanish Cove Retirement Village Fitness Center
» Stillwater YMCA
» Planet Fitness—Stillwater
Tulsa area
» Genesis Health Club—Broken Arrow
» Genesis Health Club —Woodland Hills
» Mannford Activity Center
» Vasa Fitness
Plus, additional fitness centers throughout Oklahoma!
The Silver&Fit program also offers: » Fitness clubs with group classes for older
adults, where available, such as:• Signature Series• Senior Dance• Senior Yoga• Aqua• Cardio• Strength• And more
Or, if you would prefer to work out at home, home fitness kits are available which can include:
• DVDs• Pedometer• Quick starts guides• And more
» Fitness challenges and rewards
» And more
The ChooseHealthy® program1
All our Medicare supplement insurance plan options, except cost-sharing Plans K and L, also include access to the ChooseHealthy program at no additional cost for membership. You can save more on wellness products and services and be empowered with health improvement tools to help you live better every day. The program allows you to:
» Save 25% on services from 66,000 specialty health care practitioners
» Learn from evidence-based, online health classes and articles offered at no extra cost
» Get discounts up to 57% on popular health and fitness brands including: • Garmin®
• Vitamix®
• PRO Compression®
• Fitbit®
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Hear In America programThe Hear In America discount program, available to all our Medicare supplement insurance plan customers, makes you eligible to receive:
» Free hearing screenings
» A three-year warranty on new hearing aids
» Free office services (including retests, cleanings, and adjustments) for three years
» A 45-day trial period for your hearing aid
» Discounts from 35 to 70% off of manufacturer’s suggested retail price (MSRP) for hearing aids from all nine major manufacturers including:
Sample SavingsMSRP or
Average PriceYou Pay* Savings % Saved
FREE annual hearing screening $0 100%
Three-year repair warranty, three-year loss and damage warranty
$500 $0 $500 100%
Three years of hearing aid batteries $315 $0 $315 100%
Three years of office service $600 $0 $600 100%
12 months financing (to those who qualify)$0 service charges
and interestUp to
$1,160
Basic digital hearing aid $1,450 $995 $455 31%
Mid-level hearing aid $3,995 $1,475 $2,520 63%
Premium digital hearing aid $5,996 $2,540 $3,456 58%
Examples of how you can save
• Phonak• Starkey• ReSound• Rexton• Siemens• Sonic Innovations• Oticon• Unitron• Widex
*These are savings examples only. May be used in conjunction with your existing insurance coverage. Hearing discount programs are not part of the insurance policy and are offered at no additional charge. Enrollment in these programs is subject to contract renewal.
Call us toll-free at 1-800-236-8809
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Ameritas Life Insurance Corp. optional dental coverage
Research shows that good dental health is essential to your overall health. Protecting your smile starts with regular visits to the dentist and a good dental plan.
When you take advantage of Ameritas dental coverage, you can choose a plan from one of the largest nationwide networks with more than 483,000 access points and 115,000 providers. Or, choose a plan that allows you and your family members to receive care from any licensed dental provider, regardless of whether they are in or out of network.
If you would like to find out more about these affordable plans, please call 1-800-236-8809. We can walk you through all your options and give you an immediate quote.
Call 1-800-236-8809 today!
Underwritten by Ameritas Life Insurance Corp. | P.O. Box 82520 | Lincoln, NE 68501-2520
This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Group dental, vision, and hearing care products 9000 Rev. 03-16, (may vary by state) and individual dental and vision products Indiv. 9000 Rev. 07-16, (may vary by state) are issued by Ameritas Life. Some plan designs are not available in all areas. In Texas, our dental network and plans are referred to as the Ameritas Dental Network. Some states require that producers be appointed with Ameritas Life before soliciting its products.
Ameritas, the bison design, “fulfilling life,” and product names designated with SM or ® are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company, or Ameritas Mutual Holding Company. All other brands are property of their respective owners. ©2019 Ameritas Mutual Holding Company.
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Notes
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Notes
Medicare supplement insurance plans give you peace of mindOriginal Medicare covers a lot—about 80% of your approved health care costs. But covering even just the 20% that Medicare leaves behind can be a real burden and hassle. Our Medicare supplement insurance plans help reduce these out-of-pocket costs when you need medical care.
Join our Medicare supplement insurance plan family today and get worry-free peace of mind you’ll enjoy for years to come!
In some states, all Medicare supplement standardized insurance plans are offered to qualified individuals under the age of 65 and/or to Medicare qualified individuals due to disability.
Ready to take the next step?Contact your local agent or call us today at 1-800-236-8809.
©2020 All rights reserved. JO16375 31322 -100-2001
The purpose of this marketing is solicitation of insurance. Contact will be made by an insurance agent or insurance company. Medicare supplement policy forms in Oklahoma include: EPIC_OK_PlanA_1710, EPIC_OK_PlanC_1710, EPIC_OK_PlanF_1710, EPIC_OK_PlanG_1710, EPIC_OK_PlanK_1710, EPIC_OK_PlanL_1710, and EPIC_OK_PlanN_1710. Neither Wisconsin Physicians Service Insurance Corporation, nor The EPIC Life Insurance Company, nor their products, nor agents are connected with or endorsed by the United States government or the federal Medicare program. WPS Health Insurance Medicare supplement insurance plans are underwritten by The EPIC Life Insurance Company. This plan summary provides only a general description of benefits and limitations. A detailed description of coverage is in the applicable policy. If there is ever a discrepancy between the policy and this document, the policy has final authority.
The EPIC Life Insurance CompanyA WPS Company