The Medicare Extension plan (OME) option is available only to GIC members living in the U.S. who are enrolled in Medicare Parts A and B. It supplements your Medicare coverage by providing benefits for covered services that are not paid in full by Medicare. This includes the Medicare Part A inpatient hospital deductible and the Part B deductible and coinsurance.
As an OME member, you can use any doctor or hospital in the U.S., and you never need referrals for office visits with specialists. To avoid being balance billed, be sure to use a Medicare participating provider. You also have coverage for urgent and emergency care outside of the U.S.
Should I select the CIC (Comprehensive Insurance Coverage) option?
Yes. More than 98% of members choose CIC. While OME is available with or without CIC, members who do not select CIC may be subject to significant medical bills, since many benefits are covered at 80% without CIC. CIC coverage increases the benefits for most covered services to 100%.
View the 2016-2017 Medicare Extension (OME) plan brochure for additional information about this plan, including a benefits summary.
View the member handbook for the Medicare Extension (OME) plan.
Get an overview of the UniCare State Indemnity Plan.