Medicare Part A and Part B benefits are primary to this Plan's benefits for Medicare-eligible Retirees and their Eligible Dependents.  This means Medicare pays benefits first.  Then this Plan considers eligible expenses which are more than the amount payable for the same medical expenses under Medicare Part A or Part B.

You must enroll when first eligible, and maintain coverage, under both Medicare Part A and Part B to be eligible for coverage in this Plan. 

If you enroll in a Medicare Part D prescription drug plan, your medical and prescription drug coverage under this Plan will be cancelled and you cannot re-enroll at a later time.  These eligibility rules apply to Retirees and to an eligible spouse of a Retiree.

If you or your spouse cancel coverage or lose coverage for any reason (including enrolling in Medicare Part D), there is no future opportunity to re-enroll in this Plan.

In order for a spouse to participate in this Plan, the Retiree must participate.

You must elect coverage when you are first eligible.  If you do not, or you elect and later cancel coverage, neither you nor your spouse can later enroll.

Annual Deductible - Medical Benefits

Each covered person must first pay the Annual Deductible under the Major Medical Medicare Supplement Plan.

When Medicare applies the Part A or Part B deuctible to a medical claim, this plan also applies the same amount toward this Plan's Annual Deductible. This Plan's Annual Deductible for medical expenses will be met when any eligible credits from Medicare Part A or Part B plus any out-of-pocket expenses you pay equal the Annual Deductible.

Medical benefits are subject to satisfaction of the Annual Deductible and payment of coinsurance listed under the coinsurance column in the Summary of Benefits.

The terms "Annual Deductible," "Retiree" and "Eligible Dependents" are defined in the Glossary.