Medicare Supplemental Coverage

The right coverage

Retirement is an exciting time – what you’ve been planning and saving for is finally here! Have you thought about what you’ll do for health care coverage?

If you are 65 years of age or older and retiring, you are eligible to purchase one of the four Concordia Health Plan Medicare options, all of which include prescription drug coverage and access to SilverSneakers wellness benefits. Whether you are currently enrolled in our health plan, or you’re looking at CHP benefits for the first time, you can take advantage of this comprehensive coverage at a great price.

The CHP offers two types of Medicare coverage solutions – Advantage and Supplemental. 

Medicare Advantage Option

CHP Medicare Advantage Option through AmWINS and medical coverage is through Humana. The Advantage Option offers the lowest premium, has a $50 medical deductible and then applies copays for certain services up to a maximum out-of-pocket of $500. It also includes prescription drug coverage, providing a list of covered drugs (formulary) that includes at least two options in each class of drug. You have access to 27,000 retail pharmacies (including CVS) and Express Scripts mail order. The Medicare Advantage Option does have certain provider network considerations.

Learn more about the Advantage Option.

Medicare Supplemental Options

The Medicare supplemental coverage options do not have any network limitations as any provider that accepts Medicare is considered in-network. Medical benefits are provided through Hartford and administered by AmWINS.

  • Premium Option: The only medical deductible is for Medicare Part B which changes annually. There is no prescription drug deductible and you have access 68,000 retail pharmacies as well as Express Scripts mail order. This option provides a robust list of covered drugs (formulary) and you will only pay 50% of the copay for some brand-named prescription while in the coverage gap (donut hole) phase. This option holds the highest premium.
  • Plus Option: This option has a lower premium than the Premium option. This option has a $500 medical deductible (which includes the Medicare Part B deductible) and a slighter narrower formulary than the Premium option but you have access to the same pharmacies as the Premium option.
  • Plus Option: This option has an even lower premium than the Plus option. This option has a $2,000 medical deductible (which includes the Medicare Part B deductible), a deductible for prescription drugs, a narrower formulary than the Plus option and access to 27,000 retail pharmacies as well as Express Scripts mail order

Want to learn more? Call AmWINS at 877-517-1409 or send an email for more information about Medicare coverage.

We’ve provided your benefit support throughout your career – now let us help you choose your coverage as you take the next step in your health care journey. Consider the Concordia Health Plan Medicare Supplemental Coverage for your health care needs in retirement.


The site navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows move across top level links and expand / close menus in sub levels. Up and Down arrows will open main level menus and toggle through sub tier links. Enter and space open menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.


Ready to Enroll?

Review the CHP Medicare enrollment guide for details on the different plan options and how to enroll.

Read the guide