Medicare Coverage for Employer- and Union-Group Retirees

MVP is proud to offer Medicare Advantage plans to retirees of employer and union groups throughout our service area. Our plans offer comprehensive coverage beyond Medicare parts A and B, including Part D prescription drug coverage, worldwide emergency room coverage, and access to an extensive network of doctors and hospitals, plus out-of-area coverage and $0 virtual care services through Gia®

Employer Group Medicare Advantage Plan Information

All MVP Employer Group Medicare Advantage plans include:

• $0 Tier 1 Preferred Generic Drugs
• $0 SilverSneakers™ fitness membership 
• Gia® by MVP Virtual Care Services—$0 for virtual urgent care, primary care, nutrition, and some behavioral health services.
• Hearing aid discounts—save thousands of dollars off retail 
• Be Well Rewards to earn a $100 reward for completing your Annual Wellness Visit

Find important forms. Sign into Gia® or download the mobile app to view specific benefit information such as coverage and cost details, and to access plan documents.

Drug Coverage

Our Medicare Advantage plans provide comprehensive prescription drug coverage with access to Medicare-approved drugs and benefits that offer more than the standard Part D coverage.

For a full list of generic and brand name drugs covered by MVP Employer Group Medicare Advantage plans (also known as a formulary), view the documents below.

MVP Formulary Documents

• 2026 Medicare Part D Comprehensive formulary (list of covered drugs) (updated 4/2026)
• Upcoming Changes to the Medicare Part D Comprehensive Formulary (updated 4/2026)

$0 Preferred Generic Drugs

We cover many commonly used generic drugs at no cost. Tier 1 of the Formulary—Preferred Generic Drugs—includes select drugs to treat diabetes, blood pressure, bone health, and high cholesterol. Talk to your doctor to see if these drugs may be right for you. 

Drugs With Restrictions

For safety reasons and/or cost savings, certain prescription drugs have added requirements for coverage or limits on coverage. These requirements and limits ensure that members use these drugs in the most effective way and help control drug plan costs. A team of doctors and pharmacists developed these requirements and limits for our health plans to help us provide quality coverage to our members. 

Quantity Limits

Certain drugs have limits on the quantity that can be covered. See a full list of drugs with quantity limits for 2026.

Prior Authorizations

Some drugs require approval, also known as prior authorization, from us before they can be filled. See a full list of drugs require prior authorizations for 2026.

Step Therapy

Medicare Part D drugs that require step therapy. View the full list of medications that require step therapy for 2026.

Learn More

You can learn more about your prescription drug coverage, including participating pharmacies and cost-saving mail-order prescriptions on our Medicare Part D page.

MVP USA Care PPO™ Plan

If your employer offers USA Care, you have the freedom to see any provider in the U.S. who accepts Medicare for a fixed co-pay. You cannot be billed for any other amounts above your cost-sharing amount. USA Care works just like traditional health insurance. Simply show your MVP USA Care Member ID card at the doctor’s office. You may have a co-pay due at that time. 

To be eligible to provide care to a USA Care plan member, providers must be state-licensed and have a Medicare billing number, or be eligible to obtain one. Institutional providers treating USA Care members, such as hospitals and skilled nursing facilities, must contract with Medicare to treat Medicare beneficiaries. The Medicare program reports that over 90% of all health care providers accept Medicare payment. To find doctors, hospitals, and other providers who participate with Medicare, visit the website for Medicare.

If your doctor or other health care provider would like more information about USA Care, they may call MVP Provider Services at 1-800-684-9286 (TTY 711)

USA Care Provider Tip Sheet 

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Last updated: 10/1/25