Mail Handlers Benefit Plan Phone Number

Mail Handlers Benefit Plan Phone Number – 1 MHBP (Mail Handler Benefit Plan) Payment for the service plan (standard and value plan) with your preferred service provider organization. Sponsored by: National Postal Service Association, AFL-CIO, LIUNA Chapter. Who may enroll in this Plan: All Federal employees and retirees who are eligible to enroll in the Federal Employee Health Benefits Program and who are or become members or associate members of the National Postal Service Union, AFL-CIO, LIUNA chapter. For information on changes to benefits, see page 9. To become a member or associate member: If you are not a postal employee/employee, when you join the MHBP you will automatically become an associate member of the National Postal Service Association. Members of the National Association of Postal Service Providers, AFL-CIO, a chapter of LIUNA, do not pay membership fees. Membership Dues: $42 per year for affiliate membership, except where exempt by law. New associate members will be charged an annual fee by the National Association of Postmasters upon receipt of registration notice by the Plan. Permanent associate members will be charged an annual membership fee charged by the National Association of Postal Operators. Enrollment codes for this plan: Value Plan 414 – Just for You Value Plan 415 – For You and Family Other URAC Accreditations: Caremark, Inc.: Pharmacy Benefits Management, Drug Therapy Management Caremark Rx, LLC: Specialty Pharmacy, Mail Order Pharmacy 454 Option Standard – Self Only United Behavioral Health, Houston Care Advocacy: Health Utilization Management 455 Standard Option – Self and Family For more information on accreditation, see the 2012 Guide. Special Note: For information on the MHBP consumer option, see a separate brochure See RI RI

2 Important information from MHBP regarding our prescription drug coverage and Medicare OPM has determined that MHBP prescription drug coverage is expected to cover, on average, what standard Medicare prescription drug coverage will pay for all Plan participants and is considered insurance Worth attention. So you don’t have to sign up for Medicare Part D and pay extra for prescription drug benefits. If you decide to enroll in Medicare Part D later, you won’t have to pay a late enrollment penalty as long as you have FEHB coverage. However, if you choose to enroll in Medicare Part D, you can maintain your FEHB coverage and coordinate your benefits with Medicare. Remember: If you are an annuitant and cancel your FEHB coverage, you will not be able to re-enroll in the FEHB program. Please note that if you lose or terminate your FEHB coverage and go 63 or more days without prescription drug coverage that is at least equal to your Medicare coverage, your premium will increase by at least 1% per month for each month you work. they don’t have that range. For example, if you go 19 months without Medicare Part D coverage for prescription drugs, your premium will always be at least 19% higher than what most other people pay. You will have to pay this higher premium for as long as you have Medicare prescription drug coverage. Additionally, you may have to wait until the next annual Coordinated Election Period (October 15 to December 7) to enroll in Medicare Part D. Medicare Benefits for People on Low Income For people with limited income and resources, additional help paying for benefits is available at the Medicare Prescription Drug Plan website. Information about this program is available through the Social Security Administration (SSA) online at or by calling SSA at (TTY). You can learn more about Medicare prescription drug plans and coverage in your area at the following places: Visit for Personalized Care, Call MEDICARE ( ), (TTY). MHBP Notice of Privacy Practices We protect the privacy of your protected health information as described in our current MHBP Notice of Privacy Practices. You can obtain a copy of our Policy by calling us at or visiting our website:

Mail Handlers Benefit Plan Phone Number

Mail Handlers Benefit Plan Phone Number

3 Table of Contents Introduction…3 Plain Language…3 Stop Healthcare Fraud!…3 Prevent Medical Errors…4 Section 1. Fee for Service Facts…7 Section 2. How We Change Section 3. How to get benefits…11 ID card…11 Where to get covered help…11 What you need to do to get covered help…-1 Authorization required Plan pricing for certain services…13 Section 4. Your Costs for Covered Services…18 Copayment…18 Cost Sharing…18 Deductibility…18 Coinsurance…18 If Your Provider Regularly Waives Your Costs…19 Exemptions… 19 Differential Billing…19 Maximum Out-of-Pocket Coinsurance Coverage…20 Transferring…21 If We Overcharge You…21 When Government Bills Us…21 When You Have Original Medicare (Part A, Part B, or both)…22 Section 5. Standard Option and Value Plan Benefits…24 Non-FEHB Benefits Available to Individuals Enrolled in the Plan…74 Section 6. General Exclusions We do not cover. ..77 Section 7. Making a Claim for Covered Services…79 Section 8. Procedure for Disputed Claims…82 Section 9. Coordination of Benefits with Other Coverage…84 When You Have Other Coverage Health Insurance. ..84 What is Medicare?…84 Should I sign up for Medicare?…85 Your original Medicare plan (Part A or Part B)…85 Private contract with your doctor…86 Medicare Advantage (Part C) ) ) )…86 Medicare Prescription Drug Insurance (Part D)…86 TRICARE and CHAMPVA…89 Workers’ Compensation…89 Medicaid…89 When Other Government Agencies Are Responsible for Your Help… .89 When Others Are Responsible for Your Injuries…89 Section 10. Definitions of Terms Used in This Booklet…92 Section 11. FEHB Data…97 Insurance Information…0 No Prior State Restrictions…97 Where Are You , you can get information about enrolling in the FEHB MHBP (Mail Handler Benefit Plan) 1 Summary

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4 types of insurance available for you and your family…97 Child Capital Act…98 When do benefits and contributions start…99 When do you retire…99 When do you lose benefits…0 When does the protection end FEHB . ..99 After Divorce…99 Temporary Continuation Coverage (TCC)…99 Switching to Individual Coverage…99 Obtaining Certification for a Group Health Plan Section 12. Other Federal Programs MHBP Value Plan Benefits Summary MHBP Standard Option Summary benefits Information about MHBP rates MHBP (Mail Carrier Benefit Plan) 2 Summary

5 Introduction This brochure describes the benefits of the Mail Handler Benefit Plan (MHBP). The National Postal Service Union, LIUNA Chapter, AFL-CIO, LIUNA Chapter, has entered into an agreement (CS1146) with the United States Office of Personnel Management as authorized by the federal Employees’ Health Compensation Act. This plan is guaranteed by First Health Life and Health Insurance Company/Cambridge Life Insurance Company. The administrative office address is: MHBP PO Box 8402 London, KY This brochure is an official summary of benefits. No oral statement may modify or otherwise affect the benefits, limitations and exclusions contained in this brochure. It is your responsibility to be informed about the health benefits. If you are enrolled in this Plan, you are entitled to the benefits described in this booklet. If you are registered for self and family insurance, any eligible family member is also entitled to these benefits. You are not entitled to benefits available before January 1, 2012, unless such benefits are also listed in this leaflet. OPM negotiates benefits and rates for each plan annually. Benefit changes take effect January 1, 2012 and are summarized on pages xxx-xxx. Prices are listed at the end of this brochure. Plain language All FEHB brochures are written in plain language to make them easy to understand. Here are some examples: Except for necessary technical terms, we use common words. For example, you mean a member or family member, we mean MHBP. We limit acronyms to those you know. FEHB is a federal employee health benefits program. OPM is the United States Office of Personnel Management. If we use others, we will first tell you what they mean. Our brochure and other FEHB plan brochures follow the same format and similar descriptions to help you compare plans. If you have any comments or suggestions on how to improve the design of this brochure, please contact OPM. Visit the OPM Feedback Area. Rate us at or email OPM at You can also write to OPM in the US. Office of Personnel Management Health Care and Insurance, Federal Employee Insurance Operations, Program Analysis and Systems Support, 1900 E Street NW, Washington, DC Stop Health Care Fraud! The fraud increases health care costs for everyone and increases premiums for the federal employee health benefits program. OPM’s Office of Inspector General investigates all allegations of fraud, waste and abuse in the FEHB program, regardless of which agency employs you or from which you retired. Protect yourself from fraud Here are some things you can do to prevent fraud: Don’t give your plan identification (ID) number over the phone or to anyone you don’t know, except your doctor, other health care provider, or an authorized plan or OPM representative. Let only appropriate medical professionals review your medical records or recommend services. Avoid using health care providers who claim that an item or service is not usually covered by insurance, but know how to bill us to get paid. Please carefully review the explanations of the benefits you receive from us. Check your complaint history

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