Understanding Medicare

Medicare is the federal health insurance program for people who are 65 or older, and certain younger people with disabilities.When eligible retired members and dependents of deceased members reach age 65, Medicare becomes the primary payer, and the benefits available under the CHP take on a supplemental role. Members can enroll at a local Social Security office two to three months prior to turning 65. Non-enrolled members are still considered Medicare members by Concordia Plan Services.

The different parts of Medicare help cover specific services:
  • Medicare Part A (Hospital Insurance) - Covers inpatient hospital stays, skilled nursing facilities, hospice care, and some health care.
  • Medicare Part B (Medical Insurance) - Covers certain doctors' services, outpatient care, medical supplies, and preventive services.
  • Medicare Part D (Prescription Drug Coverage) - Adds prescription drug coverage to original Medicare. Plans are offered by insurance companies and private companies approved by Medicare.  

CHP Supplemental Coverage

Concordia Plan Services is pleased to provide post-65 retiree health coverage to supplement Medicare. This coverage is available to members who are enrolled in Medicare Parts A (Hospital) and B (Medical). Program enhancements for 2016 provide our Medicare members with new CHP Group Plan options and access to Individual Medicare plans (if desired). Additionally, the program is being supported by a Retiree Customer Care Center staffed by AmWINS Group Benefits (AmWINS). While AmWINS will handle the day-to-day administration, the CHP will continue to sponsor the group plan options. This partnership is designed to provide you with a choice of plan options and an experienced team of retiree benefit experts to support you.
Who is AmWINS?

AmWINS is the administrator of our CHP Medicare benefit program. AmWINS is a leader in innovative health care solutions with over 20 years of experience in administering retiree health plans. Their trained Medicare specialists will provide plan advice, information and enrollment support as you need it throughout the year. They will be your advocates for anything related to Medicare and your healthcare needs. The specialists have worked closely with Concordia Plan Services to understand the needs of LCMS retirees. Contact an AmWINS Benefit Specialist at 877-517-1409.



Healthways SilverSneakers


A SilverSneakers membership is included in all CHP Group Options (Premium, Plus, and Basic) and may be available with some Individual Options outside the CHP. 

SilverSneakers provides a free, basic fitness membership for members to help them reach their health and wellness goals. Members have access to more than 12,000 locations nationwide. The program also includes online tools and support, as well as a free at-home fitness kit. SilverSneakers members lose weight, increase their energy, and improve their overall wellbeing.  

Studies from the Centers for Disease Control show those who participate in SilverSneakers are admitted to the hospital less often and see significant reductions in their overall healthcare costs. Learn about the SilverSneakers program at the SilverSneakers website or by calling 888-423-4632, 8 a.m. – 8 p.m. ET, Monday-Friday.