Medicare Primary Payer -- Small Employer Exemption
The RCAB Health Plan covers many locations with less than 20 employees, considered by Medicare to be “small employers.”  For these locations, employees age 65 and older will have their health care costs covered first by Medicare and second by the RCAB Health Plan. The Benefits Office will contact employees and spouses who qualify for the Medicare small employer exception to explain the enrollment process.

• Medicare Primary Payer Program Presentation
• Medicare Primary Payer Program Frequently Asked Questions – 2023
• Enhanced Blue Cross PPO Plan Medicare Primary Payer Participant - Summary of Benefits & Coverage (SBC)
• Basic Blue Cross PPO Plan Medicare Primary Payer Participant – Summary of Benefits & Coverage (SBC)

Estimate your out-of-pocket costs for prescription medications
Check the costs before you go to the pharmacy by using the links below:

• Costs for members with RCAB Enhanced Plan with Medicare Primary
• Costs for members with RCAB Basic Plan with Medicare Primary

More Resources:

• Official U.S. Government site for Medicare
• Medicare & You Handbook
• U.S. Social Security Administration
• Massachusetts Social Security Offices

SHINE (Serving the Health Insurance Needs of Everyone)
The SHINE Program assists elders and individuals with disabilities in understanding their Medicare and MassHealth benefits and other health insurance options. The SHINE program ensures that Massachusetts residents with Medicare and their caregivers have access to accurate, unbiased and up-to-date information about their health care options.

SHINE Counselors are available throughout the state at local Councils on Aging, senior centers, elder service agencies, hospitals and other community based agencies. SHINE counselors are available to meet with individuals in person through one-on-one counseling, via telephone, email and through public education presentations. To schedule an appointment with a counselor call: 1-800-AGE-INFO (1-800-243-4636) and press 3, or visit the website for a telephone directory by town.