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