MCA Benefits Program

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MarineCARE Helps Bridge The Gaps In TRICARE

MarineCARE stands as a solid health care safety net for the medical bills left behind by TRICARE Standard and TRICARE Prime. In a nutshell, it’s a strong defense against deductibles … cost-shares … and doctor or hospital fees that are more than the “TRICARE-allowed amount.”

Plus, MCA’s MarineCARE TRICARE Supplements also help you stay more in control of your health care by protecting your right to see the doctor of YOUR choice. There are NO preferred provider lists to worry about. NO doctor or hospital networks to keep track of. NO referrals required.

You Cannot Be Turned Down
And best of all, ACCEPTANCE IS GUARANTEED, subject to pre-existing conditions, for active duty families, retirees and their families. If you’re under age 65 and qualify for TRICARE, you cannot be turned down for MarineCARE. It’s as simple as that.

We won’t even ask if you smoke.

Policy Form # SRP-1269/HLA (5516)

Here’s How MCA’s MarineCARE Helps Bridge Gaps Left By TRICARE

Pays 100% of Your Covered Medical Costs
MarineCARE steps in to fill the gaps left by TRICARE by paying 100% of your covered medical bills after you meet any applicable TRICARE and MarineCARE deductibles. Cost shares for doctor visits? PAID by MarineCARE. Co-pays for hospital stays? PAID by MarineCARE. Cost-shares for outpatient surgery? PAID by MarineCARE. Cost shares for prescription drugs? PAID by MarineCARE.

Pays “Excess Charges” For You
This can be a critical benefit – especially if you see a civilian doctor who charges more than TRICARE allows. MarineCARE pays up to 115% of the TRICARE allowed amount of any excess charges. (Doctors and hospitals are prohibited from charging more than 115% of TRICARE allowed amounts … so MarineCARE covers up to this amount.)

Teams Up With TRICARE Prime
Now you can practically eliminate out-of-pocket expenses by pairing TRICARE Prime with MarineCARE. First, MarineCARE covers your co-payments for any inpatient or outpatient care you get from a TRICARE Prime network provider.

Then, if you see a TRICARE-approved civilian doctor without a referral from your Primary Care Manager (often called the TRICARE Point of Service Option) MarineCARE pays your cost-shares for inpatient and outpatient care after you meet the TRICARE Point of Service deductible. Plus, MarineCARE protects your savings by paying up to 115% of the TRICARE allowed amount for any “excess charges.”

Takes Care of Your Family If Something Happens To You
You can rest assured that MarineCARE stands strong for your family – even if you can’t be there yourself. If you pass away, your family’s MarineCARE benefits will continue at NO COST to them for a full year.

7 MarineCARE Plans to Fit Your Family & Your Budget

Because Marine Corps families have different health care coverage needs, you can choose from 7 MarineCARE benefit options. Take a look:

RETIREE FAMILIES:
Inpatient Only Plan– Get most of your care at military hospitals? This is your best bet to protect against expensive care in a civilian hospital.
In/Outpatient Plan with $75 Deductible– Covered by TRICARE Standard? In/Outpatient Plans are the most popular way to guard against sky-rocketing medical bills.
In/Outpatient Plan with $150 Deductible– Best Value in comprehensive coverage for families covered by TRICARE Standard.
In/Outpatient Plan with $250 Deductible– Lower rates on comprehensive coverage for families covered by TRICARE Standard.
TRICARE Prime Supplement– Virtually eliminates out-of-pocket expenses for families covered by TRICARE Prime.

ACTIVE DUTY FAMILIES:
Inpatient Only Plan– Get most of your care at military hospitals? This is your best bet to protect against expensive care in a civilian hospital.
In/Outpatient Plan– Covered by TRICARE Standard? In/Outpatient Plans are the most popular way to guard against sky-rocketing medical bills.

BONUS BENEFIT: Drive Your Health Care Costs Lower With MCA TRICARE Gold

When you enroll in MCA’s MarineCARE TRICARE Supplement Program, you can also lock in extra savings by activating the TRICARE Gold option. This special upgrade option helps you cut the costs of:
• Dental visits (You’ll save 20% - 50%!)
• Orthodontics like braces
• Chiropractic treatments
• Vision care, eyeglasses & contact lenses
• Diabetic supplies
• And much more …

Of course acceptance in TRICARE Gold is guaranteed. You cannot be turned down for this important upgrade. And best of all, one economical rate of just $5 a month covers your entire family!

TRICARE Gold is offered through Careington International Corporation. It is not insurance and is not arranged for, provided or underwritten by Hartford Life and Accident Insurance Company.

Policy Form # SRP-1269/HLA (5516)

Group Rates Help You Hold Costs Down

Even as costs for everything else go up every year, MCA has held down expenses to keep your money-saving MarineCARE rates steady for the past 7 years. Then MCA goes the extra mile to help you lower costs by sending premium refund checks in years when MarineCARE benefits have a good claim experience. (While refund checks cannot be guaranteed, they’ve been sent each year for the last five years.)

As a matter of fact, with such economical rates and the potential for premium refund checks, many Marine Corps families report pairing TRICARE with MCA’s MarineCARE is a better bargain than signing up for family coverage through an employer’s plan. See for yourself:

TRICARE

Click here to view larger TRICARE Rate Chart

* You will be billed quarterly, and your premium notice will reflect a $2.00 administration fee per household. Premiums are based on your age and increase when you reach the next higher age category. You can never be singled out for a rate increase—rates can only be changed if they are changed for all persons within your age class. Coverage may not be available to residents of all states.

** This program is not insurance or a health insurance policy. It is a discount membership program offered by Careington International Corporation. Careington is not a licensed insurer, health maintenance organization, or other underwriter of health care services.

Policy Form # SRP-1269/HLA (5516)

I can get medical coverage through work. Is it really a better deal to pair MarineCARE with TRICARE?

For many Marine Corps families, the answer is “yes.” Many MCA Members have reported that covering their entire family through MarineCARE was significantly cheaper than enrolling their family in an employer-sponsored health care plan. Plus, in these days of bigger deductibles and higher co-pays through employer plans, you may very well find that MarineCARE and TRICARE give you more comprehensive coverage as well.

Why add MarineCARE if my family already uses TRICARE?

To help eliminate your family’s out-of-pocket medical costs. As generous as TRICARE can be, the Department of Defense never intended the program to pay for ALL your medical expenses. That’s why a TRICARE supplement like MarineCARE is so important. MarineCARE helps protect your family budget by paying 100% of the covered expenses TRICARE leaves behind.

My family uses TRICARE Prime. What can MarineCARE do for us?

It can virtually eliminate medical bills from your family’s budget. MarineCARE pairs up with TRICARE Prime to cover all your co-payments for any inpatient or outpatient care you get from a TRICARE Prime physician. Then MarineCARE gives you an extra layer of protection by taking care of any cost-shares you incur if you need to see a specialist or another doctor besides your Primary Care Manager. It’s an important safety net for your family and your finances.

Pre-Existing Conditions Limitation
Any injury or sickness, whether diagnosed or undiagnosed, for which any person proposed for coverage has received medical treatment or care within the 12 months (6 months in California, Indiana, and Montana) immediately preceding their effective date will not be covered: (a) until that person (except in California, Indiana, and Montana) has not received medical treatment or care for that condition during a period of 12 consecutive months ending on or after his or her effective date; or (b) until the end of a 6-month period from the person’s effective date in California or the end of a 12-month period from the person’s effective date in Indiana and Montana. After 2 years (1 year in Indiana, Montana, North Carolina, and South Carolina; 6 months in California) from that person’s effective date, he or she will become covered regardless of any pre-existing conditions he or she may have. New conditions will be covered immediately.

Insured Person Termination: The Insured Person's coverage under the Policy will cease on the first to occur:

the date the Policy terminates;
the date the required premium is not paid, subject to the Grace Period provision;
the first premium due date on or next following the date he or she ceases to be a Member;
the first premium due date on or next following the date he or she ceases to be eligible for the Plan under which he or she is covered;
the date we or the Policyholder cancels coverage for a Class of Eligible Person to which he or she belongs;
the first premium due date on or next following the date he or she becomes eligible for Medicare;
the first premium due date on or next following the date he or she attains age 65, unless he or she is not eligible for Medicare.

Confined or Confinement means being an Inpatient in a Hospital (or Skilled Nursing Facility) due to Sickness or Injury.

A Hospital or a Skilled Nursing Facility does not mean any institution or part thereof used principally as a rest home, a home for the aged, or a place for custodial care; or a place for the care of drug addicts, alcoholics, or the mentally ill.

Exclusions and Limitations
This policy does not cover: injury or sickness resulting from war or act of war, whether war is declared or undeclared; intentionally self-inflicted injury; suicide or attempted suicide, whether sane or insane (in Missouri, while sane); routine physical exams and immunizations, except when: a) rendered to a child up to 6 years from his or her birth; or b) ordered by a Uniformed Service: (1) for a Covered Spouse or Child of an Active Duty Member; (2) for such spouse’s or child’s travel out of the United States due to the Member’s assignment; domiciliary or custodial care; eye refractions and routine eye exams except when rendered to a child up to 6 years from his or her birth; eyeglasses and contact lenses; prosthetic devices, except those covered by TRICARE; cosmetic procedures, except those resulting from Sickness or Injury while a Covered Person; hearing aids; orthopedic footwear; care for the mentally incapacitated or physically handicapped if the care is required because of the mental incapacitation or physical handicap; or the care is received by an Active Duty Member’s child who is covered by the "Program for the Handicapped" under TRICARE; drugs which do not require a prescription, except insulin; dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care; any confinement, service, or supply that is not covered under TRICARE; Hospital nursery charges for a well newborn, except as specifically provided under TRICARE; any routine newborn care except Well Baby Care, as defined, for a child up to 6 years from his or her birth; expenses in excess of the TRICARE Cap; expenses which are paid in full by TRICARE; any portion thereof which is in excess of the Legal Limit; any expense or portion thereof applied to the TRICARE Outpatient Deductible; that part of any Covered Expense which is in excess of the TRICARE Allowed Amount, except as otherwise stated in the Supplement Benefits; treatment for the prevention or cure of alcoholism or drug addiction except as specifically provided under TRICARE and this Policy; any part of a covered expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program. TRICARE Prime is not available in Florida. Nervous, Mental, Emotional Disorder, Alcoholism, and Drug Addiction Limits: The coverage provided under the Inpatient Benefits of the TRICARE Supplements for nervous, mental and emotional disorders, including alcoholism and drug addiction, is limited to: a) 30 Inpatient treatment days for a Covered Person age 19 or older; or b) 45 Inpatient treatment days for a Covered Person under age 19; per Fiscal Year. Skilled Nursing Facility does not mean: a) a hospital; or b) a place for rest, custodial care, or the aged; or c) a place for the treatment of mental disease, drug addicts or alcoholics.

NOTE: This information explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Endorsed by:

Underwritten by:	Hartford Life and Accident Insurance Company Simsbury, CT 06089

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

John B. Wigle, License No. 0482924

MCA Insurance Program Administered by:
A.G.I.A., Inc.
P.O. Box 21357, Santa Barbara, CA 93121-9911
Questions? Call toll-free 1-866-340-4360

Policy Form # SRP-1269/HLA (5516)

NO RISK WITH 30-DAY FREE LOOK

You don’t risk a penny when you claim your MCA MarineCARE TRICARE Supplement benefits today. That’s because you’re fully backed by our 100% Satisfaction Guarantee.

As soon as you sign up, we’ll mail your Certificate of Insurance outlining the full terms and conditions of this exclusive MCA benefit program. Take up to 30 days to look it over. If it wasn’t what you had in mind, mail back the Certificate for a 100% refund; less any claims paid.

ACTIVATE IMMEDIATELY FOR PROMPT COVERAGE

Activating MarineCARE is straight forward. Everything you need to enroll is here on this website.

Your MarineCARE benefits start on the first of the month after the plan administrator receives your Confirmation Form and first premium payment. Of course, all new health conditions will be covered immediately. Any illnesses or injuries that you received medical care for during the past twelve months will be covered as soon as you go twelve months without treatment or are in the plan for six months – whichever comes first.

MCA’s MarineCARE Program is a group plan. So you can rest assured your rates will not go up due to changes in your health or because you file a lot of claims. And you can keep your MarineCARE coverage until you qualify for Medicare at age 65 as long as you pay your premium on time, remain an MCA Member and the group policy remains in force. (Your spouse’s coverage continues until age 65 unless he/she is not eligible for Medicare. Children’s coverage ends on the date he/she attains age 21 or age 23 if a full-time student.)

Policy Form # SRP-1269/HLA (5516)

Cancer Care

TRICARE

Hospital Income Plan

Short Term Medical

Activate Your MarineCARE Benefits Now

NO RISK WITH 30-DAY FREE LOOK
You don’t risk a penny today because you’re fully backed by our 100% Satisfaction Guarantee.

Your official Certificate of Insurance outlines the full terms and conditions of MarineCARE. Take up to 30 days to look it over. If it’s not what you had in mind, mail back the Certificate for a 100% refund; less any claims paid.