If you're like many people, you're paying too much out of your own pocket for medical bills—hundreds, maybe thousands of dollars each year. No doubt you have some type of health protection, but you may not have had the time to look for the best coverage at the best price. As a result, you may have mediocre coverage—and less cash in your wallet. There's no need to worry. Over 100,000 MOAA members and their families did the research and found the perfect solution: MOAA's MEDIPLUS TRICARE Supplement Program.

These members and their families have compared MEDIPLUS to employer-sponsored plans, HMOs and other TRICARE Supplements. They've shopped for lower prices, better deals and more comprehensive coverage. And—time and time again—they found nothing compares to teaming TRICARE with MEDIPLUS.

You can use MEDIPLUS to cover yourself, your spouse and your children—even if you have different protection needs. That's because MEDIPLUS gives you more choices than other plans:

MEDIPLUS In- and Outpatient Plan—The best plan if you want complete protection for hospital bills, doctor bills and prescription drugs. This plan has two deductible options for retirees and their families: a $300 per person [$600 per family] deductible or a $150 per person [$300 per family] deductible. The In- and Outpatient Plan for Active Duty family members has no deductible.

MEDIPLUS Inpatient Only Plan—Your ideal protection if you just want coverage for expensive hospital stays. Plus, you'll have protection for certain outpatient surgeries. This protection is available to retirees with a $200 deductible or without a deductible.

MEDIPLUS TRICARE Prime Plan—This plan works with TRICARE Prime for retirees to virtually eliminate out-of-pocket expenses.

Plus, you don't have to worry if your doctor charges more than TRICARE allows. In addition to the TRICARE copayments, MEDIPLUS pays your covered "excess charges" at 100% after the TRICARE and Plan deductibles are met. This means you'll pay less out of your own pocket. MEDIPLUS will pay up to what your doctor bills—even if it's above the reasonable and customary charges for your area.

This protection for excess charges is especially important, since excess charges are not applied to TRICARE's annual Catastrophic Cap. Even if you meet this limit, you'll still have to pay excess charges UNLESS YOU HAVE MEDIPLUS.