MA Medicare Enhancd fully insured Handbook马医疗增强全保险手册.docVIP

HPHC Insurance Company, Inc. Benefit Handbook Medicare Enhance Plan(A Medicare Plan for Retirees) This booklet gives the details about your Medicare health coverage and explains how to get the care you need. This booklet is an important legal document. Please keep it in a safe place. Medicare Enhance is a product of HPHC Insurance Company, Inc., a wholly owned subsidiary of Harvard Pilgrim Health Care, Inc. Form No. 983 Effective Date: 7/1/12 cc 1512/ma/enh 05/12 Notice Concerning Massachusetts Minimum Creditable Coverage Requirements As of January 1, 2009, the Massachusetts Health Care Reform Law required that Massachusetts residents, eighteen (18) years of age and older, must have health coverage that meets the Minimum Creditable Coverage standards set by the Commonwealth Health Insurance Connector, unless waived from the health insurance requirement based on affordability or individual hardship. For more information call the Connector at 1-877-MA-ENROLL or visit the Connector website (). This Plan is designed to provide benefits that complement the benefits provided by Medicare Parts A and B. It does not, by itself, provide comprehensive health coverage and does not meet Massachusetts Minimum Creditable Coverage standards. However, in order to be enrolled in this Plan, all Subscribers must be enrolled in both Medicare Parts A and B. Under Massachusetts law, any individual enrolled in either Medicare Part A or Part B automatically qualifies as having health coverage that meets Minimum Creditable Coverage standards. In summary, Medicare beneficiaries do not need to be enrolled in this Plan, or any other Medicare complement plan, to have health coverage that meets Massachusetts Minimum Creditable Coverage requirements. Enrollment in Medicare Parts A or B is all that is required. I. INTRODUCTION Medicare Enhance (the “Plan”) is a product of HPHC Insurance Company, Inc. (“HPIC”), a subsidiary of Harvard Pilgrim Health Care, Inc. (“Harvard Pilgrim”)