Gain Peace-of-Mind With a GuideStone Senior Health Plan
The Senior Plan and Senior Plus Plan help to minimize your out-of-pocket health care expenses by supplementing your Medicare coverage. These plans are available to active employees, retirees and dependents who are eligible for GuideStone medical coverage and have Medicare as their primary payer of benefits.
Select the plan that’s right for you.
Out-of-pocket costs can have a huge impact on your monthly budget. In addition to the monthly rate, it’s important for you to consider the levels of coverage each plan offers. If you anticipate visiting the doctor often or regularly taking medications, it may be more cost-effective for you to enroll in the Senior Plus Plan. The Part B coverage and prescription drug copays on the Senior Plus Plan may be able to save you enough money in out-of-pocket expenses to balance out the higher monthly rate.
Consider the questions below to help decide what’s most important to you, then choose the plan you are interested in to read the detailed information about each plan.
| Do you: |
| visit the doctor frequently? |
Senior Plus Plan |
| primarily take preferred or non-preferred prescription medications?* |
Senior Plus Plan |
| primarily take generic prescription medications?* |
Senior Plan |
| primarily want to cover hospital stays? |
Senior Plan |
| live on a fixed income, see the doctor frequently and/or regularly take medications? |
Senior Plus Plan |
| live on a fixed income and are most concerned about hospital stays and prescription drug coverage? |
Senior Plan |
| *To find out whether your medications are generic, preferred, or non-preferred, you may call Medco at 1-800-555-3432 or visit www.medco.com. You may also speak with a GuideStone Customer Relations specialist by calling 1-888-98-GUIDE (1-888-984-8433). |
The Senior Plan and Senior Plus Plan pay health care costs based on Medicare-approved amounts. The participant pays all of the costs for services not covered by Medicare and costs above the Medicare-approved amount.
Medicare Part D prescription drug coverage
When you’re enrolled in a medical plan through GuideStone, there’s no need to get Medicare Part D prescription drug coverage elsewhere. Both the Senior Plan and Senior Plus Plan include prescription drug benefits that are as good as or better than Medicare’s minimum requirements and have no annual prescription drug maximums. And both plans offer additional health care benefits not included in a Medicare Part D plan. Check out these great features!
| Medicare Supplement Plan |
Monthly Rates |
Coverage |
Prescription Drug Copays |
Potential Plan Advantages |
Potential Plan Disadvantages |
| Senior Plan |
$ |
Part A, Prescription Drugs |
Generics only; you pay 40% of drug costs for preferred and non-preferred |
Lower monthly rates |
Does not cover Part B services; can lead to higher out-of-pocket costs |
| Senior Plus Plan |
$$ |
Part A,
Part B, Prescription Drugs |
Copays for generic, preferred, and non-preferred |
Broader coverage; can help reduce out-of-pocket expenses |
Higher monthly rates |
Also see frequently asked questions about prescription benefits.
Important: If you sign up for Medicare prescription drug coverage through another carrier, you may lose your GuideStone medical coverage.
Since Group Plans employers choose which plans to offer their employees, both plans may not be available to you. See your employer’s authorized benefits representative for details.
If you’d like more assistance in choosing a plan or information about how our plans coordinate with Medicare, email us or you can reach a Customer Relations specialist toll-free at 1-888-98-GUIDE (1-888-984-8433).