Seniors Choice Plan



Services Medicare Pays Seniors Choice Pays
Hospitalization

First 60 days
61st to 90th day
91st to 150th day
(60 lifetime reserve days)
Additional 365 days



All but $952
All but $238 per day
All but $476 per day

$0



$952 Part A Deductible
$238 per day
$476 per day

90% of Medicare-eligible hospital expenses for an additional 365 days per person per lifetime.

Blood

First 3 pints per
calendar year
Additional Amounts


$0

100%



First 3 pints

$0

Skilled Nursing Facility


First 20 days

21st thru 100th day

101st day thru 365th day




All approved amounts

All but $119 per day


$0




$0

$0


$0
     
     
Part B----Medical Services----Per Calendar Year
* For detailed benefits please refer to Certificate of Insurance.


Services Medicare Pays Seniors Choice Pays
Medical Expenses

First $124 of Medicare
approved amounts
Remainder of Medicare-
eligible expense


Part B excess charges
(above Medicare approved amounts)





$0

80%



$0





$0

20% of Medicare-eligible
expenses after a $124
per calendar year deductible

$0


Blood

First 3 pints
Additional Amounts



$0
100%




100% of actual costs
Foreign Country Travel

First $250 each
calendar year
Remainder of charges




$0



$0
Remainder of Charges $0 $0
     

Monthly Renewal Rates Effective January 1st, 2006
Prices include $6.00 Administration Fee.

  Age Total Cost
  65-69 142.14
  70-74 184.06
  75-79 208.30
  80-84 233.79
  85+ 269.88


Part D Drug Plan

The Medicare prescription drug program is one of the most important changes to Medicare since it was created in 1965. If you’re one of the 42 million Medicare beneficiaries across the country, you’re eligible to participate in the Medicare prescription drug program.

Here’s a look at the Prescription Drug Program’s general eligibility rules:

Anyone who is eligible for Medicare Part A or enrolled in Part B is eligible to enroll in the new Medicare prescription drug program.

You must live in the service area of the Medicare prescription drug plan.
You may enroll in only one Medicare Prescription Drug plan at a time.
Individuals enrolled in an MA Plan may not enroll in a PDP, unless they are a member of a Private Fee-for-Service Medicare Advantage (MA) Plan (PFFS) that does not provide Medicare prescription drug coverage, a Medical Savings Account MA Plan(MSA), or an 1876 Cost Plan.

The Prescription Drug plan selected for you includes coverage of both generic and brand name drugs. Understanding the difference between generic and brand-name drugs may save you money. The brand name drugs you’re currently taking may be available in generic versions that do the same but cost less. Another important factor in choosing a plan is which pharmacies you’ll be able to use. PacifiCare has a nationwide network of more than 47,000 pharmacies.

We also give you the savings and convenience of home delivery through our Mail Service Pharmacy. Questions about Prescription Solutions from PacifiCare?

Just call 1-888-538-9333, 8 a.m – 5 p.m., Monday through Friday.

You can find a complete formulary listing on www.prescriptionsolutions.com. If the formulary changes, you will be notified in writing, before the change. Only Medicare Part D covered drugs will impact your Medicare Prescription Drug Plan annual out-of-pocket spending. Certain prescription drugs will have maximum quantity limits. Your provider must get prior authorization from PacifiCare for certain prescription drugs.

Please contact PacifiCare for details.

For more information on your plan, please call 1-888-538-9333, 8 a.m. – 5 p.m. PST, Monday through Friday, for the hearing impaired, please call TTY: 1-800-387-1074.

Prescription Solutions from PacifiCare Medicare Prescription Drug Plans are offered by PacifiCare Life and Health Insurance Company (PacifiCare Insurance Company in the State of New York), which contracts with the federal government. The PacifiCare Prescription Drug Insurance Plan is underwritten by PacifiCare Life and Health Insurance Company and provides coverage for outpatient prescription drugs only. You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third-party.

Members may be enrolled in only one Part D Plan at a time. Members must reside in the service area to be eligible to enroll. Prescription Solutions from PacifiCare Medicare Part D plans cover both brand name drugs and generic drugs. Generic drugs have the same active ingredient formula as a brand name drug. Generic drugs usually cost less than brand name drugs and are rated by the Food and Drug Administration (FDA) to be as safe and effective as brand name drugs. Contact PacifiCare for more information. Enrollees must use network pharmacies to receive Plan benefits except under emergency circumstances. Our network includes retail mail service, long-term care, I/T/U and Home Infusion pharmacies. If you would like additional information about our mail service pharmacy, please contact PacifiCare at the number above, or write to us at P.O. Box 509075, San Diego, CA 92150-9075.

People who have low incomes, who live in long-term care facilities, or who have access to Indian/Tribal/Urban (Indian Health Service) facilities may have different out-of-pocket drug costs. Please contact PacifiCare for more details. If members have qualified for additional assistance for Medicare Prescription Drug Plan costs, the amount of your premium and cost at the pharmacy will be less. Once you have enrolled in a Prescription Solutions from PacifiCare Plan, Medicare will tell us how much assistance you are receiving, and we will send you information on the amount you will pay.

If you are not receiving this additional assistance, you should contact 1-800-MEDICARE (TTY/TDD users should call 1-877-486-2048), your State Medicaid Office, or the Social Security Administration at 1-800-772-1213, or the toll-free TTY/TDD number: 1-800-325-0778, between 7 a.m. and 7 p.m., Monday through Friday, to see if you might qualify.

Summary of Prescription Drug Benefits from Pacificare
Drug Benefits Coverage Limit You Pay
Outpatient Prescription Drugs $0–$3,600
Out-of-Pocket*
Retail:

$4.00 Copayment for Generic Drugs per Prescription Unit or thirty (30)-day supply.

$44.00 Copayment for Brand Name Drugs per Prescription Unit or thirty (30)-day supply.

Mail Service:

$8.00 Copayment for Generic Drugs drugs up to a ninety (90)-day supply through our contracted mail service pharmacy.

$88.00 Copayment for Brand Name drugs up to a ninety (90)-day supply through our contracted mail service pharmacy.

Over $3,600 Out-of-Pocket* You pay the greater of $2 for Generic or a preferred Brand Name Drug that is a multisource drug, and $5 for all other drugs, or 5% coinsurance once your total out-of-pocket costs reach $3,600.

* You have a special type of plan that uses a Medicare Prescription Drug plan as a foundation and has additional benefits to give you even more drug coverage. When you take your prescription to the pharmacy to fill, your pharmacist will first check if your drug is on our Medicare Prescription Drug plan formulary. If it is, your drug costs will count toward your Medicare Prescription Drug Plan out-of-pocket limit. If your drug is not listed on the formulary, your drug may still be covered under your Prescription Drug Insurance Plan, and you only pay the required copay; however, your copay will not count toward your Medicare Prescription Drug Plan out-of-pocket limit.


The chart below shows how your enhanced benefit works with the Medicare Prescription Drug Plan:

  Medicare Prescription Drug Standard Benefit PacifiCare Prescription Drug Insurance Plan with Prescription Solutions from PacifiCare
Outpatient
Benefits
Medicare Prescription Drug Benefits coverage dollar limits Without your enhanced benefit plan, you pay: With your enhanced benefit plan, you pay:
Prescription Drugs $0-250 $0–250 Deductible of $250 for drugs on the Medicare Prescription Drug formulary. Retail:

$4.00
Copayment for Generic Drugs per Prescription Unit or thirty (30)-day supply

$44.00 Copayment for Brand Name Drugs per Prescription Unit or thirty (30)-day supply.

Mail Service:

$8.00
Copayment for Generic Drugs drugs up to a ninety (90)-day supply through our contracted mail service pharmacy.

$88.00 Copayment for Brand Name Drugs up to a ninety (90)-day supply through our contracted mail service pharmacy.
$251-$750 When out-of-pocket drug costs are between $250 and $750 for drugs on the Medicare Prescription Drug formulary there is a coinsurance of 25%.
$751-$3,600 After yearly out-of-pocket costs reach $750, there is no coverage until yearly out-of-pocket expenses reach $3,600.
Over $3,600 After yearly out-of pocket drug costs reach $3,600, payments are the greater of $2 for Generic or a preferred Brand Name Drug that is a

multi-source drug and $5 for all other drugs, or 5% coinsurance.
You pay the greater of $2 for Generic or a preferred Brand Name Drug that is a multisource drug, and $5 for all other drugs, or 5% coinsurance.


Prescription Drug Plan - Shaklee Rates

Monthly Renewal Rates Effective January 1st, 2006
Prices include $46.90 Prescription Drug Plan

  Age Total Cost
  65-69 189.04
  70-74 230.96
  75-79 255.20
  80-84 280.69
  85+ 316.78


BELOW IS A DISCOUNT BENEFIT PACKAGE.

YOU CANNOT PURCHASE THIS DISCOUNT PLAN WITH THE INSURED PACIFIC CARE PART D PRESCRIPTION DRUG BENEFIT.

YOU CAN PURCHASE THE BENEFIT PACKAGE BELOW WITH YOUR SENIOR CHOICE PLAN IF YOU DO NOT CHOOSE THE INSURED PACIFIC CARE PART D DRUG BENEFIT.

YOU WOULD ADD $12.95 PER MONTH TO YOUR SENIOR CHOICE RATE, (THAT DOES NOT INCLUDE THE ($46.90) PART D PRESCRIPTION DRUG PROGRAM FROM PACIFIC CARE.THE PROGRAM BELOW IS NOT INSURANCE,THEY ARE DISCOUNT BENEFITS.

  Age Total Cost
  65-69 155.09
  70-74 197.01
  75-79 221.25
  80-84 246.74
  85+ 282.83


Additional Health Services Available Cost $12.95 per month
Doctors RX choice prescription drug program 1st Tier up to $10.00, 2nd Tier up to $20.00, 3rd Tier up to $50.00 and 4th Tier up to 60% savings on all other drugs
Aetna Dental Access As a member of program, you and your family have access to a national network of over 66,000** available dental practice locations to choose from nationwide. Participating dental locations provide savings of 15% to 50% on most dental services including cleaning, x-rays, fillings, root canals, crowns, bridges, and orthodontia.

*Anticipated national average dental charges for the 2006 calendar year based on the comparison of provider negotiated fees to national average charges. Actual cost and savings vary by provider and geographical area.

** According to the Aetna enterprise provider data base as of 1-1-2006.
Vision 10% to 60% savings
Medstat Alert Allows you to store your Medical Information to let a medical professional know about you in an emergency.

The health service programs are NOT insurance, it is a reduced Fee For Service Program that provides discounts at certain providers. Members must pay the entire reduced cost for the health services performed at the time service is rendered unless other arrangements are made with the provider’s office. The health service Program does not pay providers.


Click here for Seniors Choice Premier Plan

or

Seniors Choice Preferred Plan