The Inflation Reduction Act (IRA) impacts all Medicare coverage, and we have worked with our longtime Medicare navigation partner Amwins to apply the IRA changes to our 2025 CPS Medicare options in the most beneficial way for retirees. No action is needed – these changes are being implemented and will be reflected in our 2025 coverage.
For a detailed summary of the 2025 Medicare changes, please review our 2025 State of Medicare guide or watch our recorded webinar: Medicare and CPS Medicare Options. Overall, the changes are designed to make prescription medications more affordable for retirees.
If you are 65 years-of-age or older and retiring, you’re eligible to purchase one of the CPS Medicare with Prescription (Rx) Options. All plans include medical benefits, prescription drug coverage, access to wellness benefits like Silver Sneakers, TruHearing discounts and more. Retirees enrolled in the Concordia Retirement Plan can take advantage of this comprehensive coverage at specially negotiated costs.
CPS Advantage w/Prescription Coverage (Rx) uses the Humana network for medical coverage and the Go365 program that provides incentive rewards for wellness activities.
CPS Supplement w/Prescription Coverage (Rx) and CPS Supplement 2 w/Prescription Coverage (Rx) offer comprehensive coverage with two different levels of coinsurance. Any provider that accepts Medicare is considered in-network. Enrollees also receive free mental health phone counseling services.
All CPS Medicare Options now come with the same comprehensive prescription coverage - CPS PRESCRIPTION COVERAGE (Rx). This new option includes a rich prescription formulary and is administered by Express Scripts. Use their online tool to look up your prescriptions and see your potential costs.
New in 2025: The new federal Medicare Prescription Payment Plan (M3P) helps pay for high-cost, out-of-pocket prescription drugs, as a monthly payment instead of all at once at the pharmacy. To learn more about this payment option, please contact Express Scripts at 866-815-1803.
With CPS Advantage w/Rx, you receive several additional wellness benefits – included in your monthly premium.
Go365 is a Humana rewards program that will help you with your personal health and well-being goals. You can earn Go365 dollars that can be redeemed for a variety of gift cards by:
Completing certain preventive services.
Logging 8-15 workouts per month.
Participating in social, educational or volunteer activities.
Humana’s Well-Dine Services provides 14 healthy meals following an inpatient or skilled nursing facility stay.
Silver Sneakers provides access to community centers and exercise facilities with classes geared for mature individuals. They also have at-home kits and an interactive app to help you keep active at home. Learn more.
TruHearing discounts for hearing aid testing and hearing aids to ensure you are enjoying social activities. Learn more.
CPS Supplement w/Rx and CPS Supplement 2 w/Rx coverage offer many wellness benefits – included with your monthly premium.
Senior Wellness Assistance Program provides access to more robust resources to help with your mental and emotional well-being. With the Senior Wellness Assistance Care line, you have unlimited 24/7 toll free phone calls with immediate access to counselors, who can help with:
Anxiety, depression, loneliness and/or feelings of isolation.
Issues related to changes in life roles and job status.
Discovering rewarding activities and creative outlets.
Day-to-day stresses caring for themselves, a spouse, children or loved ones.
Silver Sneakers provides access to community centers and exercise facilities with classes geared for mature individuals. They also have at-home kits and an interactive app to help you keep active at home. Learn more.
TruHearing discounts for hearing aid testing and hearing aids to ensure you are enjoying and social activities. Learn more.
If you have questions about the IRA, you can:
Call Amwins for complimentary assistance with understanding Medicare medical and prescription coverage at: 877-517-1409.
If you are choosing coverage that is effective in 2024, or have questions about your current CPS Medicare coverage, here are some resources to help:
2024 benefit information can be provided by an Amwins representative by calling 877-517-1409, making an appointment or sending an email to [email protected].
"We are extremely pleased with our excellent and very affordable CPS health plan coverage, allowing us to have more freedom and flexibility in our retirement years! Concordia Plans, you are SUPER!!!"
Rev. Mark K.
Need help navigating your Medicare healthcare options?
Amwins, your Medicare navigation partner, has a dedicate team of certified Medicare specialists ready to help YOU. Schedule a phone appointment with Amwins or call 877-517-1409 for more information about CPS Medicare coverage and other individual coverage.
Review the 2025 CPS Medicare Enrollment Guide with details on the different plan options and how to enroll. Or reference the Quick Comparison Chart to see the different CPS options side-by-side.
We cared for you as a worker and we are committed to caring for you in retirement, too. Let us help you choose your coverage as you take the next step in your healthcare journey.
