|Q1.||Is there a maximum limit on benefits (lifetime, annual, etc.)?|
|No maximum limit.|
|Q2.||Will the plan cover amounts beyond what CHAMPVA allows?|
|The CHAMPVA Supplement does pay cost share amounts, however; it does not pay additional charges above CHAMPVA’s allowed amount.|
|Q3.||Does the plan pay for services that aren’t covered by CHAMPVA?|
|Q4.||Will the plan pay the CHAMPVA outpatient deductible?|
|The CHAMPVA outpatient deductible is not covered by the CHAMPVA Supplement Plan. The CHAMPVA Supplement plan has a fiscal year Plan deductible of $250 per person and $500 family maximum.|
|Q5.||How will the plan require premium payments?|
|Premiums may be paid monthly by deduction from checking account (Check-o-matic) or direct bill - quarterly, semi-annually or annually. Credit cards may not be used to pay premiums.|
|Q6.||Does my Medicare status impact eligibility for CHAMPVA benefits?|
|Yes, your Medicare status has an impact on your eligibility for CHAMPVA benefits. Medicare automatically enrolls the vast majority of eligible beneficiaries 90 days prior to their 65th birthday. When you receive your initial information from Medicare, you also receive a Medicare card indicating both Medicare Part A and Medicare Part B coverage. To continue your CHAMPVA eligibility, you MUST enroll in, and remain enrolled in, Medicare Part B.
Upon enrollment in Medicare Part B, CHAMPVA changes to CHAMPVA for Life and becomes the secondary payor to Medicare. As a result, the CHAMPVA Supplement Plan will automatically end.|
|Q7.||Will the plan cover you overseas?|
|Yes, if you live or travel overseas (excluding Iraq, North Korea and Cuba), the supplement provides the same benefits as if you were in the U.S. Reimbursement for health care claims in foreign countries is based on reasonable and customary billed amounts. Your deductible and cost share will be the same as if you were in the U.S.
Medicare does not provide benefits for services provided overseas. However, if you are 65 or over, you must enroll in Medicare Part B. CHAMPVA will continue as your primary benefit option for the period of time you are overseas. As a result, the CHAMPVA Supplement Plan will also continue. You will receive the same level of benefits provided to those under age 65.|
|Q8.||Can premium payments be increased? Under what conditions?|
|Premiums increase as a person moves from one 5-year age bracket to another (40, 45, 50, 55, 60). The company reserves the right to change premiums on a group wide basis to maintain the financial solvency of the plan.|
|Q9.||What are the membership fees (annual, lifetime, etc.), if any, when you join the organization that sponsors the plan?|
|GEA $24 annual membership fees.|
|Q10.||Does the plan cover the service member when he/she retires?|
|The service member is not covered by CHAMPVA.|
|Q11.||If you’re retired military and have a health care plan (which pays before CHAMPVA) through a civilian job, do you still need a CHAMPVA supplement if, between them, your employer’s plan and the CHAMPVA health care option you’ve chosen will pay most or all of your civilian medical bills?|
|You will need to look at your individual situation and review your primary health plan benefits to determine if the CHAMPVA Supplement Plan will be necessary. In most cases, an individual with a primary health plan, CHAMPVA and a CHAMPVA Supplement Plan will be over insured.|
|Q12.||When does a spouse lose eligibility?|
|When there is a divorce or annulment from the qualifying Veteran sponsor. Eligibility for CHAMPVA ends at midnight of the effective date of the divorce decree or annulment.|
|Q13.||When does a child lose eligibility?|
|At age 18, unless enrolled in an accredited school as a full-time student.
At age 23 or loses full-time student status whichever comes first.
A stepchild no longer lives in the household of the sponsor.
An incapacitated dependent will continue coverage past age 18 or 23 as long as incapacity occurred while enrolled in the plan.|
|Q14.||How are claims filed with the Supplement?|
|All claims are filed first with CHAMPVA. After CHAMPVA has processed your claim, they will send you an Explanation of Benefit Statement (EOB). You will need to file a claim with the Supplement Plan only if the provider has not agreed to file one on your behalf. To file a supplement claim, simply write your certificate (member ID) number on the EOB and also, write "Pay Provider" if you would like the benefits paid directly to the provider, otherwise the benefits will be paid to you.
Claims may be mailed to: GEA Administrator, 6110 Parkland Blvd., Cleveland, OH 44124|
|Q15.||What happens when I reach age 65?|
|At age 65, eligibility under the CHAMPVA Supplement ends for members and their spouses. If at age 65, you are eligible for Medicare Part A and enrolled in Medicare Part B your CHAMPVA eligibility will continue. Medicare will be your primary carrier and you will have supplemental coverage under CHAMPVA for Life.|