The NALC Health Benefit Plan will pay for Part A coinsurance and any deductible that Medicare requires you to pay. The claims will automatically come to us to pay; there’s no paperwork on your part. Your claim is filed to Medicare by the facility, then directly to us. Medicare Part B—medical insurance—is not cost-free.
Full Answer
What is included in the NALC health benefit plan?
The Plan offers a comprehensive High Option health benefit package, a fee-for-service plan with a preferred provider (PPO) network that offers generous benefits with low out-of-pocket costs. In partnership with Cigna, the Plan is able to offer access to nearly 2.5 million doctors and specialists and thousands of medical facilities.
What is NALC insurance?
• Officers & Stewards •
- Executive Board
- Building Committee Members
- Hartford Stewards
- Associate Office Stewards
- Hartford Alternate Stewards
- Associate Office Alternate Stewards
What are the medical benefits of Medicare?
- Over the age of 65
- Blind
- Disabled
- Under 21
- Pregnant
- Live in a nursing or intermediate care facility
- Have received limited refugee status, depending on how long the individual has been in the United States
- Have received breast and/or cervical cancer screening
Are Medicare benefits the same in every state?
Original Medicare is the only coverage that does not vary by state. Medigap, Medicare Advantage and Part D prescription drug plans are all sold privately and vary by state. Larger states typically have more plan options available than less populated states. Medigap plans offer the same benefits across most states.
Is NALC secondary to Medicare?
As secondary payor, the NALC Health Benefit Plan will coordinate and supplement benefits with Medicare.
Is NALC a good health insurance?
As a top-rated FEHB plan, members will find the NALC HBP eager to assist you and ready to provide prompt and safety-minded responses to questions related to your medical care.
Is NALC a Cigna plan?
The NALC Health Benefit Plan offers our members a nationwide PPO provider network with greater discounts through our partnership with the Cigna HealthCare Shared Administration OAP Network.
What type of insurance is NALC?
Since 1950, the NALC Health Benefit Plan (HBP) has provided letter carriers and their families with first-rate health insurance. The NALC's health plan is a natural choice—as the only health plan owned and operated by letter carriers, it pays particular attention to their health needs.
Do federal employees contribute to Medicare?
Most Federal employees and annuitants are entitled to Medicare Part A at age 65 without cost. When you don't have to pay premiums for Medicare Part A, it makes good sense to obtain coverage.
Can federal employees keep their health insurance after retirement?
Unfortunately, federal employees do not receive free health insurance upon retirement. However, federal employees can keep their current federal employee health benefits (FEHB) plan upon retirement. Employees continue to pay the employee portion of the premium.
Does NALC require prior authorization?
Detailed informa- tion on the benefits for the 2022 NALC Health Benefit Package can be found in the official brochure. and postal employees. We now offer the NALC Health Benefit Plan Mobile App. We now require prior authorization for all non-emer- gency air ambulance transport.
How do I verify NALC insurance?
You can locate an OAP provider or hospital, or verify that your provider participates in the Cigna HealthCare OAP network by calling 877-220-NALC (6252) or visiting our Cigna HealthCare OAP Online Provider Directory.
Does NALC High Option cover vision?
The NALC Health Benefit Plan does not offer routine dental or vision coverage.
Does NALC cover shingles vaccine?
We now cover the Shingrix vaccine for the prevention of herpes zoster (shingles).
How do I enroll in NALC Health Plan?
Annuitants and Retirees can enroll by calling Employee Express at 800-332-9798, by going to OPM's Open Season website at retireefehb.opm.gov if you are a retiree or by submitting a Standard 2809 to your Retirement office.
Who is eligible for NALC?
The NALC Group Insurance Coverage has been provided since 1985. All active, retired and city carrier assistants of the NALC in good standing are eligible for the benefit. It also includes other non-supervisory postal career service employees. The basic benefit coverage is $5,000 and there is no cost to the members.