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About Medicare

At first glance, learning about Medicare can seem overwhelming.  Following please find handy information to help you on your way.  Since you are eligible for Insurance Trust’s exclusive Medicare Plans, you also have access to resources 24/7  to talk things through:

Medicare Enrollment Advocate:  Free unbiased advice to help make sense of your Medicare options, whether or not you choose to get your health coverage through Insurance Trust

Personal Health Advocate:  Support for Members with questions about how Medicare works and what is covered

Call (877) 325-7265, Option 2

Medicare does not cover all your healthcare costs. In fact, Medicare Part A and Part B only cover about 80% of medical expenses.

Medicare Supplement plans, also called “Medigap” plans, supplement your basic Medicare coverage. If you choose one of these plans, you still have your Medicare Part A and Part B coverage plus additional insurance to pay part – or all – of what Medicare does not cover.

Medicare Advantage plans completely replace your Part A and Part B Medicare insurance. You no longer use your Medicare card. Instead, you’re covered by the Medicare Advantage plan for all your healthcare needs. Medicare Advantage plans offer comprehensive coverage, and you are usually responsible for a copayment when you access care. These plans often have lower monthly premiums.

Medicare Advantage and Medicare Supplement

Spouses and former spouses age 65+ are eligible to enroll in Medicare and the Insurance Trust Benefit Plans regardless of the Delta employee or retiree’s age or enrollment status.

If you and your spouse are both retirees of Delta, you can enroll in coverage separately or as a dependent under your spouse’s policy. If you decide to enroll separately, you will each need to complete an online or printed enrollment form. You do not need to elect the same coverages.

If you are a survivor of a Delta retiree and have existing coverage, be sure to enter the Delta PPR number of the deceased Delta retiree. Please note that you will be viewed as a retiree when enrolling for coverage from the Insurance Trust.

To avoid a tax penalty, you should stop contributing to your Health Savings Account (HSA) at least 6 months before you apply for Medicare.  https://www.medicareinteractive.org/get-answers/coordinating-medicare-with-other-types-of-insurance/job-based-insurance-and-medicare/health-savings-accounts-hsas-and-medicare

Put Your HSA Savings to Use

Once you sign up for Medicare, you can no longer contribute money into your Health Savings Account.  However, you are still able to withdraw money tax free to cover eligible medical expenses, Medicare premiums and premiums for Insurance Trust’s health plans.  The Insurance Trust cannot provide individual tax advice, members are encouraged to consult with their tax advisor.