SEMINAR WILL BEGIN SHORTLY

TRICARE Supplement Plan

CrawfordAdvisors, LLC

Consulting, Brokerage & Administration

American Military

Retirees Association

(AMRA)

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TRICARE Supplement Plan

CrawfordAdvisors, LLC

Consulting, Brokerage & Administration

American Military

Retirees Association

(AMRA)

Patrick C. Haynes, Jr.

As counsel for Crawford Advisors’ Employee Benefits and Executive Compensation Group,

Mr. Haynes advises employers and plan sponsors in a variety of health and welfare benefit plan

compliance matters, including, but not limited to, tax qualification and other Internal Revenue Code

issues, ERISA, COBRA and HIPAA portability and privacy issues. Mr. Haynes lectures frequently and

has published many articles on health and welfare benefit plan compliance topics.

Practice Areas

Employee Benefits & Exec Comp, ERISA, COBRA, HIPAA, §125, and §§ 105, 106, 129, 132

Education

Temple University School of Law, LL.M.

Rutgers University School of Law, J.D.

Rutgers University School of Business, M.B.A.

Rutgers University College of Arts & Sciences, B.A.

Admitted to Practice

U.S. Supreme Court

Federal and State Courts of

New Jersey

Pennsylvania

Connecticut

District of Columbia

200 International Circle, Suite 4500

Hunt Valley, MD 21031

555 East Lancaster Ave, Suite 640

Radnor, PA 19087

1.800.451.8519

www.Crawfordadvisors.com

Fayton Washington

As the Business and Development and Marketing Manager for ASI, Association and Society Insurance

Corporation, Mr. Washington travels the country meeting with employers and benefit specialists from

various industries and backgrounds training them on rules, regulations, and implementation of the

Corporate TRICARE Supplement Plan. He works with over 400 corporate accounts, helping employer

groups meet the needs of their employees and improving their overall bottom-line.

Education

University of South Carolina, B.A.

University of South Carolina, M.B.A.

2301 Research Blvd Ste 300.

Rockville, MD 20850

800-638-2610

www.asicorporation.com

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Agenda

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About TRICARE… “A Description”

Who is Eligible for the Supplement Plan?

Brief Overview of the Supplement Plan

TRICARE Supplement “The Options”

Premium Cost Monthly “Pre-Tax”

Administration of the Supplement Plan

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The Corporate TRICARE Supplement is a voluntary plan designated for companies that employ the military retiree community.

This voluntary supplemental health benefit is an option available to employees and their dependents who are eligible for TRICARE.

Eligible employees who enroll in the plan are responsible for 100% of the monthly premium amounts. Monthly premium payments are made with pre-tax dollars through payroll deduction.

Client groups include many of the top ten defense contractors, as well as professional, social, fraternal, military and trade associations. We also work with municipalities, federal credit unions and financial institutions from all over the United States.

Brief Overview

Eligible Employees

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These eligible individuals must be registered in the Defense Enrollment Eligibility

Reporting System (DEERS)(DEERS is a worldwide, computerized database of uniformed services members, their family

members and others who are eligible for military benefits)

Are under age 65 and retired from any branch of the armed

services (Army, Navy, Marines Corp, Air Force, Coast Guard,

Public Health Service or National Oceanic and Atmospheric

Administration (NOAA))

Military retirees entitled to retired, retainer or equivalent pay

2 TRICARE Retired Reserve under age 60 (“Gray Area” retirees)

3 Spouses and surviving spouses of retired Military personnel

4 Retired reservists over age 60 with at least 20 years of military service

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Eligible dependents are covered up to age 21 or 23 if a full-time

student

Incapacitated dependents are covered past age 21 or 23 if primarily

dependent on the member for support and continue TRICARE

eligibility.

Not subject to Health Care Reform.

The Patient Protection and Affordable Care Act (Public Law 111-148) did not give the DOD the

authority to offer this benefit through TRICARE.

However, H.R.4923: TRICARE Dependent Coverage Extension Act was introduced on March

24, 2010. This act is to extend TRICARE coverage to certain dependents under the age of 26.

According to the DOD, if enacted into law, they will make every effort to implement its

provisions as soon as possible.

This bill never became law. This bill was proposed in a previous session of Congress. Sessions of Congress last two years, and at the

end of each session all proposed bills and resolutions that haven't passed are cleared from the books. Members often reintroduce bills

that did not come up for debate under a new number in the next session.

Dependent Eligibility Age

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Employees and spouses who are over age 65 are eligible to enroll

in the TRICARE Supplement Plan, if they:

Reside inside or outside the U.S. or its territories

(these individuals must be enrolled in Medicare Part B and

eligible for Medicare Part A)

Are not eligible for Medicare

(these individuals must have received a Statement of

Disallowance from Social Security Administration and their

DEERS files must be updated)

Exceptions to the Age 65 Eligibility Rule

Program for

the Armed

Services Community

ABOUT TRICARE:

Healthcare

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INDEMNITY- FEE-FOR-SERVICE PLAN

Features of TRICARE Standard

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No enrollment required or enrollment fee to pay

Flexibility and freedom of choice when selecting a civilian provider

(inpatient or outpatient)

Access to Military Treatment Facility (MTF) on a space available

basis

No referral required

Provides worldwide access to healthcare

Works with TRICARE Extra

Pays all but the 25% cost share and excess charges after the

Outpatient Deductible ($150 per person/$300 per family) is met

Features of TRICARE Extra

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No enrollment required or enrollment fee to pay

Flexibility and freedom of choice when selecting a civilian

network provider (inpatient or outpatient)

Access to Military Treatment Facility on a space available basis

No referral required

Only available in the United States

Works with TRICARE Extra

Pays all but the 20% cost share after the Outpatient Deductible

($150 per person/$300 per family) is met

PREFERRED PROVIDER ORGANIZATION

TRICARE

Supplement

Plan

Features of the TRICARE Supplement Plan

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Eligible employees may opt out of employer’s provided Group

Health Plan which reduces the employer’s healthcare cost

No pre-existing condition limitation

Guaranteed issue

Helps to provide greater access to civilian providers worldwide

Helps to pay the portion of the covered expenses that retirees

and eligible family members are responsible for paying

Covers the balance of eligible billed charges that are covered by

TRICARE after the Plan Deductible has been met

Portability, if coverage ends for any reason, employees can keep

the plan

TRICARE Standard

TRICARE Supplement

TRICARE Extra

TRICARE Supplement

Enrollment Fee N/A

Outpatient Deductible

$150 per person/$300 per

family

Pays 100% deductible

$150 per person/$300 per

family

Pays 100% deductible

Copayment None

Cost Share Pays 75% Allowed charge

Pays 25% cost share

Pays 80% negotiated cost

Pays your 20% cost share

Excess Charges Does not pay excess charge

Pays 100% excess charges up to Legal Limit

N/A

Prescription Civilian Network or TRICARE Mail Order

Pays all but $3/$9/$22 copayment

Pays copayments ($3/$9/$22)

Pays all but $3/$9/$22 copayment

Pays copayments ($3/$9/$22)

Prescription Civilian Non-Network

Pays all but deductible & $9/20% or $22/20%

Pays deductible plus $9/20% or $22/20%

N/A

Covered Expenses are subject to fiscal year Plan Deductible of $100 per person or $200 per family

How the Supplement Plan works with Standard/Extra

Employee Only $60.00

Employee plus Spouse $119.00

Employee plus Child (ren) $119.00

Employee plus Family $160.00

TRICARE Supplement Annual Deductible $100/individual and $200/family

Employees may use pre-tax dollars to pay premiums

Monthly Premium Amounts

Administration

of the

Supplement

Plan

American Military Retirees Association (AMRA): a non-

profit corporation with National Headquarters located in

Plattsburgh, New York. AMRA was incorporated in 1973

in New York State by and for all military retirees of the

United States Armed Forces.

Included in the monthly premium rates is $1.00 for the

AMRA association dues. This amount is deducted and

paid to AMRA on a monthly basis.

Plan Sponsor

Monumental Life Insurance Company

Cedar Rapids, IA

Transamerica Financial Life Insurance Company

Harrison, NY

AEGON companies

AEGON is one of the world’s leading life insurance and

pension organizations and a provider of investment

products, with businesses in over 20 markets in the

Americas, Europe and Asia.

Plan Underwriter

Questions

Crawford Advisors, LLC

• 200 International Circle, Suite 4500, Hunt Valley, MD 21031

• 555 East Lancaster Ave, Suite 640, Radnor, PA 19087

• 800.451.8519

• www.CrawfordAdvisors.com

Via E-mail to: webinars@crawfordwebinars.com

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