Read Medicare Complement Plan Plan Document text version

Medicare Complement Plan (MCP)

PCP Required In-Network Coverage Copayments

Referral Required Out-of-Network Coverage Deductible/Coinsurance


The Tufts Health Plan Medicare Complement Plan (MCP) is either a POS or PPO health care plan for retirees in self-insured employer groups that meet the criteria to offer MCP. Members may also be eligible for additional benefits not provided by Medicare. Only employees (or spouses) that have worked for the group are eligible for MCP. Other dependents of the employees are not eligible to enroll. If a member is enrolled on MCP and the spouse is under 65, the spouse should be enrolled on an individual plan. Medicare provides primary coverage for covered services. MCP provides secondary coverage and receives claims for payment after Medicare has made its coverage determination. Members may also be eligible for additional benefits that are not covered by Medicare. MCP does not process crossover claims. Claims must be submitted to MCP as the secondary payer. Payment is based on the claim and matching Medicare explanation of benefits (EOB) submitted by the provider. Refer to the Coordination of Benefits (COB) payment policy for additional information.


Selection of a primary care physician (PCP) is not required for MCP, however it is strongly recommended that one physician be utilized for the coordination of care. The MCP plan will pay for medically necessary covered services and supplies.


Members do not need to obtain referrals to receive benefits under the MCP Plan. Tufts Health Plan does not require preregistration for inpatient admissions unless the Medicare benefits, including lifetime reserve days, are exhausted, at which time preregistration is required prior to rendering services.

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Tufts Health Plan -- MCP Plan Document


Medicare Complement Plan Plan Document

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