How does HIPAA (Health Insurance Portability and Accountability Act) legislation affect my Medicare-eligible retirees and Preferred Care Gold coverage?
Employers who purchase Preferred Care have the right to determine what coverage their Medicare-eligible members receive. It is up to the employer to decide what coverage will be provided. You need to put your decision in writing, typically in your Summary Plan Description and other descriptions of health benefits that you provide to your employees. For example, if you provide Preferred Care Goldcoverage and specify that it is the only coverage offered to Medicare eligible members, you need to state that, when the employee/retiree becomes Medicare eligible, he or she is no longer eligible for the Commercial plan, only Preferred Care Gold. If you decide that you are going to allow Medicare-eligible retirees to remain in your Commercial Preferred Care coverage after they become Medicare eligible, you must contact your Preferred Care Account Manager to facilitate this process.
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