Guidelines - 3.3 REDEEM SeniorSaver Sharing of Expenses

REDEEM SeniorSaver is a program for you if you are 65 years of age 
or older. 

• You are not required to join REDEEM SeniorSaver when you turn 
65. Participation in REDEEM Essential or REDEEM Enhanced is 
available to you for as long as you like.

• Under REDEEM SeniorSaver only services covered by Medicare 
Part A, Part B, and, if applicable, Medicare Advantage plans are 
eligible for sharing. This applies even if a Need would otherwise 
be eligible for sharing under REDEEM Essential or REDEEM 
Enhanced. 

REDEEM SeniorSaver members use the same guidelines as 
individuals and households with the following exceptions:

3.3.1. Medicare must first apply its coverage, and you must meet your 
AUA before you share items covered by Medicare Parts A and B.

3.3.2. (Prescriptions) Medicare must first apply its coverage, and you 
must have Medicare Part D, and you must have met your AUA.

3.3.3. If you require a blood transfusion, a provider must purchase blood 
products for you. 

3.3.4. Inpatient acute care hospitalization for you:

• Days 1-60: Medicare covers these costs.

• Days 61-150: Medicare covers a significant portion of costs; the 
balance is shareable.

• Days 151-beyond: Not eligible for sharing.

3.3.5. Participation is available for individual memberships only. Couples 
participating in REDEEM SeniorSaver requires two individual 
memberships. If you want to have a couple or family membership, 
you will need to participate in REDEEM Essential or REDEEM 
Enhanced.

3.3.6. The waiting periods and pre-existing conditions limitations in 
section 3.7 Sharing Limits and section 3.8 Pre-existing Conditions 
do not apply. 

3.3.7. Care outside of the United States is not eligible for sharing in 
REDEEM SeniorSaver.