Medicare Advantage Plans

Stanford offers a variety of Medicare Advantage plans that work hand-in-hand with your Medicare benefits. You assign your Medicare benefits to the Medicare Advantage HMO you select, and the HMO coordinates with Medicare. There are no claim forms to fill out and your only out-of-pocket costs are your copayments.

Remember: Be sure to complete a Medicare Advantage Enrollment form when you enroll in one of these plans. Forms are available by calling Stanford Benefits.

How These Plans Work

Medicare Advantage plans work the same as your active employee HMO. Except for Kaiser, you select a primary care physician (PCP) from your plan's network of doctors to coordinate all your care. With Kaiser, all care must be within a Kaiser facility. And for all HMOs, you receive no benefits if you go outside your network, unless you have an emergency.

• Health Net Seniority Plus Health Net Seniority Plus Plan Summary - 2015
  Detailed plan document for Health Net Seniority Plus Plan for retirees and ltd terms. Includes eligibility, how to make appointments and navigate the HMO system; details about specific coverage and exclusions; costs; grievance and appeal procedures.
  
• Kaiser Permanente Senior Advantage HMOKaiser Senior Advantage Plan Summary - 2015
  Detailed plan document for the Kaiser Medicare Advantage plan for those Retirees and LTD Terms who are eligible for Medicare. Includes information about coverage, benefits, copays and coinsurance, eligibility, claims, and grievance procedures.
  
• United Healthcare (PacifiCare) Group Medicare AdvantageUHC Group Medicare Advantage Plan Summary - 2015
  Complete plan details for UHC Group Medicare Advantage Plan (Group 240689). This is a Medicare Advantage plan. Details include eligibility, how to enroll, costs, treatments covered and excluded, how the plan works (appointments, referrals, claims) and grievance/appeal/complaint procedures.
  

Medicare Supplement Plans

Under a Stanford Medicare Supplement plan, Medicare is the primary medical plan for you and your dependents. You can go to any provider; however, you will have lower costs if you use a provider who accepts Medicare assignment. The Medicare Supplement plan pays benefits after you receive payment from Medicare.

Remember: If you choose to go outside your supplement plan's network of doctors, your benefits will be limited to services covered under Medicare only and must be provided by a doctor who accepts Medicare assignments.

• Blue Shield RetireeBlue Shield Retiree Plan Summary - 2015
  Plan summary for Blue Shield retiree plan (Preferred Plan, Group 975719). Includes details about cost, what services are covered and excluded, subscriber and insurer responsibilities, review and grievance options, and options to continue coverage in a variety of situations.
  
• Health Net SupplementHealth Net Retirement Supplement Plan Summary - 2015
  Detailed plan document for Health Net Retirement Supplement Plan (Group 58004B).This is a Medicare Supplement (Medigap) plan. Includes eligibility, how to make appointments and navigate the HMO system; details about specific coverage and exclusions; costs; grievance and appeal procedures.
  
• United Healthcare (PacifiCare) Senior SupplementUnited Healthcare Senior Supplement Plan Summary - 2015
  Complete plan details for United Healthcare Senior Supplement plan. Details include eligibility; costs, including relationship between this plan and a Medicare Advantage plan; treatments covered and excluded; how the plan works (appointments, referrals, claims) and grievance/appeal/complaint procedures.