Medicare Advantage PPO Standard and Enhanced Plan

Medicare Advantage PPO Standard and Enhanced Plan  

Medicare Advantage PPO Standard and Enhanced Plans

Medicare Advantage PPO Standard and Enhanced Plans

Medicare Advantage Plans

If you’re eligible for Medicare, you can enroll in one of two Medicare Advantage plans offered by the Insurance Trust: our Standard or Enhanced plan.

Like all of our medical products, our Medicare Advantage plans are provided by Anthem Blue Cross Blue Shield. You’ll have peace of mind knowing your healthcare is covered by one of the largest, most established health insurers in the nation.

Both the Standard and Enhanced plans cover all your inpatient (Part A) and outpatient (Part B) care. You’re only responsible for copayments (and a small deductible with the Standard Plan).

Plus, our plans come with a companion prescription drug plan.

Both plans are PPOs with no network restrictions. So, you’ll have the freedom to see any provider who accepts Medicare and the plan, and you don’t need a referral.

Comprehensive Coverage

  • $0 copay for preventive care, including annual wellness visits, flu and pneumonia vaccines, mammograms, and colonoscopies
  • A companion prescription drug plan
  • Coverage in all 50 states, plus Puerto Rico
  • Flexibility to use any doctor or hospital who accepts Medicare and the plan
  • A low $2,500 annual out-of-pocket maximum
  • One ID card, so you can leave your Medicare card at home
  • One Explanation of Benefits
  • Foreign travel and emergency care coverage
  • Telehealth visits with a board-certified doctor or licensed therapist on your smartphone, tablet, or computer, at no out-of-pocket cost to you

Standard vs. Enhanced: What’s The Difference?

Our Enhanced Plan has no deductible; while our Standard plan has a $750 deductible. In addition, the two plans have different copayments and coinsurance for certain covered services.

For example, you’ll pay a $40 copayment for visits to a specialist with the Standard plan, vs. a $25 copayment if you have the Enhanced plan.

For more examples of the copayment amounts, review the Summary of Benefits.

Additional Benefits

  • Medical Plan Member benefits flyer
  • Virtual doctor visits – anytime –using LiveHealth Online
  • 24/7 NurseLine
  • SilverSneakers® fitness membership
  • SpecialOffers discount programs
  • Travel assistance
  • Member Assistance Programs, including legal and financial consultation, funeral concierge support, identity theft, and credit monitoring

For questions about your Trust medical plan benefits, call Member Services toll-free at 1-844-889-6357, TTY: 711. Mon-Fri, 8:00am – 9:00pm ET, except holidays, or visit

Call a Medicare Enrollment Advocate for unbiased assistance comparing plan benefits to determine which Medicare plan works best for you. Or start the sign-up process right now using online enrollment. For enrollment assistance, call our Retiree Service Center at (877) 325-7265, Option 1.


Medicare Supplement-Type Plans

Medicare Supplement-Type Plans

Medicare Enrollment Advocate

Medicare Enrollment Advocate

Prescription Drug Plans

Prescription Drug Plans



These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


2020 Medical Plan Summary
LiveHealth Online
Medical Plan Member benefits flyer
Nondiscrimination Notice / Get Help in Your Language