When retired members and dependents of deceased members reach age 65, Medicare becomes the primary payer, and the benefits available under the Concordia Health Plan (CHP) will supplement Medicare. Eligible persons are those who:
- Are no longer employed full time by a participating LCMS employer;
- Participated in the CHP as an active worker at least five consecutive years immediately prior to retirement OR, if the employer participated in The Church’s Plan, the worker has at least five years of Retiree Medical Supplement service credits, and participated in the CHP as an active worker at least one year immediately prior to retirement; and
- Are eligible for Medicare, and Medicare has the primary payment responsibility for their medical care.
Medicare is government-provided medical care for those over age 65, those drawing Social Security disability benefits for two years or more, or for those suffering from chronic kidney disease. Enrollment in Medicare can be made through your local Social Security Administration office. It is suggested that you enroll two or three months prior to your 65th birthday. It is important to enroll in both Medicare Part A and B because a person who is not in Medicare will still be considered a Medicare member by Concordia Plan Services, if eligible. Medicare benefits will then be estimated for purposes of determining the CHP benefits. You are also urged to use doctors who accept assignment of benefits for charges covered by Medicare since medical expenses above the Medicare-approved amount will not be covered by the CHP. Members do not need to enroll in Medicare Part D, as the Concordia Health Plan provides comprehensive prescription drug benefits.
Your enrolled dependents are eligible for supplemental CHP coverage if:
- you are a CHP Member;
- they are age 65 or older; AND
- Medicare has the primary payment responsibility for their medical care.