Health Insurance Self-Defense

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					                                              -Defense
            Health InsurancehidSelfcosts of recovery.
            Help protect yourself against den
            By Terence B. Bernier, Marsh Affinity Group Services, an ROA Affinity Partner

     You probably would have shaken your head                          ROA offers a short-term recovery plan as a special
     if someone had said on the day you separated from the          member benefit. The ROA RecoveryCare plan pays daily
     military that the real gold in your future would be your       cash benefits, in addition to the insurance you already
     medical entitlements. But, while your Tricare for Life         have. The plan is easy to get and affordable.
     (TFL) and Medicare entitlements are strong cornerstones           As a member, you and your spouse, age 65 or older, are
     in your financial house, health-care coverage does not         guaranteed acceptance. You will not be asked to take a
     necessarily protect you from financial problems.               medical exam or answer any medical questions at the time
         Medicare and TFL were never designed to pay for            of enrollment. However, insurance benefits payable are
     everything. As medical care evolves to include more            subject to the policy’s pre-existing conditions limitation.
     home care, each plan pays a limited amount toward home         Affordable, group rates that fit into almost any budget are
     health-care.                                                   offered to ROA members. The plan is underwritten by
         For example, if you’re over 65, Medicare is your           Hartford Life and Accident Insurance Co. of Simsbury,
     primary payer. It does cover skilled home-care given by a      Conn.
     nurse or physical therapist, but the care must be ordered         For more information about ROA RecoveryCare,
     by a physician and you must meet all the criteria                 including costs, exclusions, limitations, and terms of
     set by Medicare. Medicare does not pay for an
				
DOCUMENT INFO
Description: [...] while your Tricare for Life (TFL) and Medicare entitlements are strong cornerstones in your financial house, health-care coverage does not necessarily protect you from financial problems. It does cover skilled home-care given by a nurse or physical therapist, but the care must be ordered by a physician and you must meet all the criteria set by Medicare.
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