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Medicare Eligible Health Insurance
Harvard Pilgrim Heath Care ~ First Seniority Freedom Plan
1/1/xx to 12/31/xx
This plan does not replace MEDEX. It is an additional Medicare option that is
available to you though the Town of Westford.
First Seniority Freedom Plan is a Private Fee-for-Service Medicare Advantage Plan that gives you the freedom to choose your own doctors and specialists without referrals. This means that you may go to any doctor or hospital anywhere in the country that is Medicare-approved and willing to provide care and accepts Harvard Pilgrim’s terms of payment.
The plan features comprehensive benefits, coverage for routine check-ups, Medicare prescription drug coverage, worldwide emergency coverage and many other benefits. Members must be enrolled to Medicare Part A (hospital), enrolled in Medicare Part B (medical) and continue to pay Part B premiums if not otherwise paid for under Medicaid or another third party.
It is essential that anyone considering this plan carefully compare the two plans and understand the prescription drug coverage.
It is also essential that you ask your health care providers:
·Are they a Medicare-approved provider?
·Do they accept Medicare Private Fee-for-Service (PPFS) plans?
Enrollment for this plan is October & November of each year with an effective date of January 1st.
You can go online to view the benefits summary, plan overview and MEDEX comparison at www.westfordma.gov / Town Departments / Human Resources / HR Documents / First Seniority Freedom.
You may also access the following information:
If you have questions about the plan, please call 1-888-259-8276
Providers may call 1-800-708-4414
For information about Medicare please call 1-800-633-4227
Please be sure to take the time to compare these plans. It is very important that you understand what the benefits are and how they affect you. ~
Please also note that at this point in time Harvard Vanguard does not accept this plan. ~
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