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Welcome to the AFE-ADB website

Welcome to the AFE–ADB website

This website is run and maintained by the Association of Former Employees of ADB (AFE) and exists for its members, providing a convenient way of keeping in touch with one another and of keeping updated on AFE activities and projects, Chapter happenings, significant events in ADB, and changes and improvements in benefits. This website is also open to all who wish to know of the current activities, projects and interests of AFE−ADB and its members.

This website is separate from the ADB Alumni Portal maintained by ADB. If you need to go to this portal, please go to the”'about AFE−ADB” section and click on the ADB Alumni Portal link under “Useful links.”

If you have comments and suggestions to make this website more responsive and helpful, please send them to afe-adb@adb.org.

Spotlight

Information on US Supplemental Medicare Plans

For All Members with ADB Health Insurance and Medicare:BPMSD's consultant and former staff Bill Silverman explains how supplemental medicare plans work with ADB insurance and Medicare:A “Supplemental Medicare" (SM) plan, also known as Medicare Part C, does not affect your reimbursement of Medicare premiums by ADB. More and more ADB retirees are enrolling in these plans to fill the gaps in coverage of the PRGMIP – dental for example. And the price of these plans can be quite reasonable, and the location of services is often very convenient.In terms of claims, it is not likely to be possible to alter the position of insurers for a claim in the US. There are all kinds of rules in place. Basically, for two coverages, the order is Medicare à ADB Cigna. If you enroll in the SM plan, then the order will be Medicare à SM à Cigna.Of course, in theSM scenario, there will be things that any one, two, or three of the insurers will not cover. Examples include

  • No insurer will cover cosmetic surgery.
  • ADB will not cover dentistry.
  • Medicare will not cover hearing aids (not sure about SMs).
  • Medicare and SMs will not cover Chinese Traditional Medicine.

In most cases, the Part C plans (SM plans) only apply when you use the SM plan’s provider network. So if you needed to see a doctor outside the SM plan's coverage area, and the SM had no affiliates in your location, the order would revert to Medicare à Cigna.