Insurance - HL 128 (1)

From: Sandy Rollins

Date: 5/15/2012 1:30:06 PM

To: mark@pilotcommunication.net

Subject: Insurance Trust for Delta Retirees

Mark, one of your readers recently asked a question as to why the Trust plan does not provide a letter designation in describing its coverage benefits. The Insurance Trust for Delta Retirees provides a Group Medicare Supplement type plan. This is different from an individual Medicare Supplement plan, also referred to as a Medigap policy.

Individual Medigap policies must carry a CMS (Medicare) letter designation from A thru N. All individual Medigap policies with a letter designation must provide exactly the same benefits as any other policy carrying the same letter designation, regardless of the insurance company offering the policy. The letter indicates that that the policy is an individual insurance policy.

Group plans, such as the plan offered by the Insurance Trust for Delta Retirees, have no such requirements and may offer different benefits if they wish. The group plan offered by the Insurance Trust for Delta Retirees is most similar to CMS Medigap policies having the “F” designation, but with additional benefits.

Sandy Rollins

BeenAStew@comcast.net

Trust Board Chairperson

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