I am a current US Family Health Plan member about to turn 65. Do I need to do anything to keep my coverage?
If you were a member of USFHP as of Sept. 30, 2012, you are eligible to stay in the plan for life. You do not need to do anything, and your coverage will continue without interruption. Please note: remaining in USFHP past age 65 is not the same as TRICARE for Life.
If you joined the plan on or after Oct. 1, 2012, you will be disenrolled automatically. Your TRICARE option will be TRICARE for Life (TFL), and you must enroll in Medicare to maintain your TRICARE eligibility.
Should I enroll in Medicare?
We strongly encourage members to enroll in Medicare Part B as soon as they are eligible. If you don’t and decide to enroll later (if you move to a state or area that does not offer USFHP, for example), you may incur late-enrollment penalties and waiting periods.
When should I sign up for Medicare?
To avoid penalties, you should sign up as soon as you are eligible, several months before your 65th birthday. Find out when and how to sign up at www.medicare.gov.
What happens if I don’t enroll in Medicare Part B?
As noted above, you may incur penalties and waiting periods if you don’t enroll as soon as you’re eligible. Plus, if you do not enroll, you will have to continue to pay enrollment fees and all copays for USFHP. These fees are set by the Department of Defense, and may increase from time to time.
Will anything change with my USFHP coverage if I enroll in Medicare?
If you enroll in Medicare Part B, you’ll no longer have to pay enrollment fees or copays (except for prescriptions) for USFHP. Otherwise, your coverage remains the same: you’ll keep the same locations, doctors, and treatments with no change, and continue to enjoy the exclusive extra benefits provided by Johns Hopkins.
Which coverage do I use: USFHP or Medicare?
If you enroll in Medicare, USFHP will still be your primary insurer and health care provider. You must receive all services through USFHP; you cannot use your Medicare coverage for any services covered by USFHP. A few services not covered by USFHP—such as chiropractic care and end-stage renal disease treatment—will be covered by Medicare.
What about my prescriptions? Do I get those through Medicare or keep getting them through the Plan?
You will continue to receive your prescriptions through USFHP for the usual low copay.
I’ve heard about Medicare Supplement Plans and Medicare Advantage Plans. Does this fall into one of those categories?
No, your USFHP coverage is different than these Medicare alternatives. Unless a service is not covered by USFHP, you will not use your Medicare coverage.