OFF TO A FRESH START. ENROLLMENT GUIDE.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "OFF TO A FRESH START. ENROLLMENT GUIDE."

Transcription

1 Let RHA help find the right individual health insurance policy for you. Visit or call toll-free , Monday through Friday, 9 a.m. 7 p.m. (ET). OFF TO A FRESH START. ENROLLMENT GUIDE. NEWLY ELIGIBLE Retiree Health Access and RHA are registered trademarks of the Health Care Policy Roundtable, LLC, used under license with Health Care Policy Roundtable. All rights reserved. State mandates may apply. RHAPH2NEDTE (7/14)

2 Welcome! First things first. Retiree Health Access (RHA ) is here to help you choose your individual health insurance policy. A fresh approach To make enrolling easier, we ll help you understand your options every step of the way. You can shop for your health insurance policy by visiting We ve included a few worksheets to help you compare coverage benefits and costs when you go online. Or, you can call toll-free , Monday through Friday, 9 a.m. 7 p.m. (ET), and talk to an RHA Benefit Advisor who is happy to walk you through the process. During the weeks ahead, we ll keep you on track to make sure you know what you need to do and when. It s all about helping you get the most from your health insurance policy. From the start. Contents Prepare...2 Learn...6 Enroll Glossary Mark your calender 90 days prior to your RRA Effective Date Personalized plan information is available. Visit or call toll-free , Monday through Friday, 9 a.m. 7 p.m. (ET) to speak to an RHA Benefit Advisor. 90 days prior to your retirement date until your RRA Effective Date (your RRA Effective Date was previously communicated in a letter from DTE) You can enroll in your health plan. Visit or call toll-free , Monday through Friday, 9 a.m. 7 p.m. (ET) to speak to an RHA Benefit Advisor. 21 days prior to your RRA Effective Date Your welcome kit from PayFlex will be mailed to you days after CMS approves your enrollment Confirmation from your selected insurance carrier, including plan information and your ID Card, will be mailed to you.

3 PREPARE 3 Health Information Worksheet PREPARE Take a few minutes to complete this simple worksheet. The information you provide here will help you when it comes time to enroll or when you call an RHA Benefit Advisor. 1. Are you enrolled in both Medicare Part A and Part B? Yes No To enroll in Medicare Part A and Part B, go to I don t know Call an RHA Benefit Advisor toll-free at so we can help determine if you are enrolled in both Medicare Part A and Part B. 2. Do you currently take any prescription drugs? Yes No, go to question 5 3. What is the name of the pharmacy where you usually fill your prescriptions?

4 PREPARE 4 PREPARE 5 4. What prescriptions do you fill most often? Drug Name Dosage Drug Name Dosage Drug Name No. of Pills Per Month No. of Pills Per Month 6. Rank the four items below based on what s most important to you in selecting your health coverage. Keep in mind that 1 is the most important and 4 is the least important. Be sure to enter a different number (1, 2, 3 or 4) on each line. Low monthly premium Physician choice Low payment when admitted to the hospital Low payment for doctor office visit Dosage Drug Name Dosage No. of Pills Per Month No. of Pills Per Month 7. Who are the doctors I see most often? Name Address Check here if you would like to use a mail-order pharmacy. 5. For what reason do you see your current doctor(s)? (Check all that apply) I see my doctor(s) primarily for preventive care or an occasional health problem. I see my doctor(s) for one chronic condition or multiple health issues. I see my doctor(s) for more than one chronic condition or if I may need a major procedure. Specialty Name Address Specialty Name Address Specialty Name Address Specialty

5 LEARN 7 What type of health insurance policy is right for you? Let s look at the types of health insurance policies and how they differ. You may find that the information you jotted down in the Prepare section can help you choose a policy that s right for you. LEARN IF You are willing to change doctors if necessary You don t go to the doctor often You want a single plan and a single premium You don t travel THEN A Medicare Advantage Plan may be right for you Offered by private companies that contract with Medicare to provide you with both Part A and Part B benefits, most Medicare Advantage Plans also include prescription drug coverage. They may also offer additional discounts and wellness programs. You are required to go to participating doctors, hospitals, pharmacies and other health care providers and usually pay a copayment or coinsurance for covered services. If you go to providers who don t participate, you will pay some or all of the costs. Plans such as Preferred Provider Organization (PPO), Health Maintenance Organization (HMO) and Private Fee-For-Service (PFFS) are considered Medicare Advantage plans.* *See our glossary for descriptions of the plans noted here.

6 LEARN 8 LEARN 9 What type of health insurance policy is right for you? IF You want to keep seeing the same doctors You visit the doctor often You travel frequently or live elsewhere during the year THEN A Supplemental medical plan may be right for you This type of plan can help pay some of the costs for hospital and doctor s services that basic Medicare doesn t cover, like copayments, coinsurance and deductibles. Supplemental medical plans offer flexibility by being accepted by doctors and hospitals around the country. In return, supplemental plans often charge higher premiums than other types of plans. Some supplemental policies also offer coverage for services that basic Medicare doesn t cover, like medical care when you travel outside the United States. What type of health insurance policy is right for you? IF You have significant drug costs You want to avoid a possible late enrollment penalty You are enrolled in a Supplemental medical plan which does not provide prescription drug benefits THEN A Part D Prescription Plan may be right for you A Medicare Part D plan, also known as Medicare Prescription Drug Coverage, is an option administered by private insurance carriers. It is approved by and under contract with Medicare. This type of coverage may help lower your prescription drug costs and help protect against higher costs in the future. Exact coverage and costs are different for each Part D plan. Generally, these plans have a yearly deductible. After the deductible, you and your drug plan share in the cost of covered prescriptions through copayments or coinsurance.

7 LEARN 10 LEARN 11 Medicare Basics Medicare is a federal health insurance program for individuals age 65 and older. Certain disabled individuals who are under age 65 can also have Medicare insurance. Medicare consists of four different parts. Each part covers specific services and has different costs for the services covered. Medicare Services Part A Coverage Helps cover inpatient care in hospital, skilled nursing facility, hospice and home health care. Cost Most people don t need to pay a premium for Medicare Part A because they have contributed the required amount of payroll taxes during their working years. Part A requires a deductible for most benefits. The deductible is based upon benefit periods. PART B Coverage Medicare Part B helps cover doctor and other health care providers services, outpatient care, durable medical equipment and some preventive services. Cost You pay a monthly premium for Medicare Part B, which is usually deducted from your Social Security check. Part B helps to pay benefits once you have met an annual deductible. Some people may pay a different amount because of their yearly income. PART C Coverage If you have Medicare Parts A and B, you can choose Medicare Part C (Medicare Advantage Plan). Medicare Advantage plans offer other benefits and discounts, as well as health care information and tools, not offered by Basic Medicare. Cost You may pay a monthly premium to a private insurance company depending on the policy you choose. You will continue to pay your Medicare Part B premium. PART D Coverage If you have Medicare Parts A and/or B, you can choose a Medicare Part D (Medicare Prescription Drug) plan. Part D helps cover the cost of prescription drugs. Available through your Medicare Advantage plan or through a separate or standalone Medicare Prescription Drug Plan. Cost Your Part D premium depends on where you live, which plan you choose and other eligibility factors. Some people may pay a different amount because of their yearly income.

8 LEARN 12 LEARN 13 Online support One-on-one support The RHA website makes it easy for you to understand your options. Now that you ve considered your needs and what the different types of plans offer, you can go online to see the health insurance policies for which you are eligible, and you can compare coverage options side-by-side to make an informed decision. Visit Experience personalized support through our RHA Benefit Advisors. If you re not quite sure what to do or want to ask some questions, our team welcomes your phone calls. Keep in mind that RHA Benefit Advisors are not paid a commission for helping you enroll in a new health insurance policy. Call an RHA Benefit Advisor Toll-free Monday through Friday 9 a.m. 7 p.m. (ET) If you are assisting a Medicare participant with enrollment If you are an adult child or authorized representative of a Medicare beneficiary, you are welcome to call an RHA Benefit Advisor or visit the RHA website to learn about available plan choices in order to help elect coverage. If you are authorized to act on the Medicare beneficiary s behalf, you may be required to provide legal documentation, such as a Power of Attorney, at some point during the enrollment process.

9 LEARN 14 LEARN 15 Compare Benefits and Costs Worksheet When you go to you can use this worksheet to help you compare the important details for each of the health insurance policies you are considering. WRITE IN CARRIER NAME PLAN NAME/TYPE DEDUCTIBLE COINSURANCE OUT-OF-POCKET PRIMARY DOCTOR OFFICE VISIT SPECIALIST EMERGENCY ROOM OTHER/NOTES

10 Get ready to shop and enroll Look below to see which shopping scenario applies to you. Family Composition Type of Products Shop by Phone Shop Online Medicare Eligible Retiree and/or Spouse ENROLL 17 Medical Products Note: Each member shops online through their own account ENROLL Ancillary Products (For example, Dental, Vision) Not available Families with Medicare Eligible Retiree and/or Spouse and Child All Products An RHA Benefits Advisor will assist you and your family to complete the enrollment process over the phone. Call Not available * Log in separately to shop for and enroll in your benefits. Both you and your spouse s username and temporary password have already been created. Please follow the instructions provided to log in.

11 ENROLL 18 ENROLL 19 Before you log in for the first time Please read these instructions: Your user name is your first name + last initial + last 4 digits of your social security number. For example: Name: Eric Smith, SSN: XXX-XX-9999 Username: erics9999 If the user ID you enter does not work, it may already be taken. You may need to add letters to your last name: For example: EricS9999, EricSm9999, EricSmi9999, etc. If you continue to have trouble logging in, call and an RHA Benefits Advisor can assist you. If your first name is longer than 10 characters, you will need to reduce your first name to 10 letters. Example: Christopher becomes Christophe If your first name contains an apostrophe, it is included in your user name If your first name contains a hyphen, it is not included in your user name Your user name is not case sensitive Your temporary password is your last name + last 4 digits of your social security number. For example: Name: Eric Smith, SSN: XXX-XX-9999 Password: Smith9999 Your temporary password is case sensitive After you log in for the first time, you will be prompted to change your password. Once you are logged in to the RHA website, you will have access to helpful information as you prepare to shop for your health insurance. You can also access electronic copies of all the materials you have received in the mail from RHA.

12 ENROLL 20 ENROLL 21 Next steps to shop and enroll online Click on Enroll Now From the RHA home page, you will need to click on the Enroll Now button. You will then be taken to the profile section of the RHA website. Click on Get Started After you click Get started, you will be asked some questions and given the chance to update the profile for you and your dependents. In order to complete your profile, you need to be enrolled in Medicare Parts A and B. You will be asked to provide your health insurance claim number (HICN ) as well as Medicare Parts A and B effective dates. You will also need to provide this information for any of your dependents who are eligible for Medicare. Once your profile is updated and saved, you can review your retiree reimbursement account (RRA). You can do this by clicking the Get started button. On the next screen, you will need to click the Plan details button. A pop-up will appear with the details of your RRA. When you are done reviewing the details of your RRA, you will need to click on the Close button to close out the pop-up window. Now you are ready to shop and enroll in a plan. Click on the Get started button. You will then be taken to the ehealth website, where you can shop for and enroll in your health plan. Shop for plans Then you will be taken to the shopping section on the ehealth website where you can view and enroll in a health insurance policy. As you shop, you will see the ehealth logo as well as the RHA logo at the top of the screen, so you know you are in the right place. Once you have completed your health plan application, you will be able to see your plan selection and application status on the RHA website. Or enroll by phone If at any time you have questions or you would like to enroll over the phone, RHA Benefits Advisors are available to assist. RHA Benefits Advisors can be reached at RHA Benefits Advisors can be reached at

13 ENROLL 22 ENROLL 23 What is a Retiree Reimbursement Account? A Retiree Reimbursement Account (RRA) is a type of Health Reimbursement Arrangement (HRA). It is an account that is funded only by your former employer that you can use to pay for eligible health care expenses on a tax-free basis. The amount provided is determined by your former employer. You can use the RRA to pay for eligible health care expenses for you, your spouse and your eligible tax dependents. Examples of eligible expenses include: Copays Deductibles Prescription drugs Dental care Vision care, eyeglasses, contacts Chiropractic care Over-the-counter items (OTC drugs and medicines will require a doctor s prescription if you wish to use your RRA funds) Health care premiums For a complete list of eligible expenses refer to Why an RRA? Money for eligible expenses. You get to use money from your former employer to pay for eligible health care expenses on a tax-free basis. It s yours. Any amount left in your RRA at the end of the plan year will carry over to your next plan year under the terms of the plan documents designed by your former employer. Online support. You have 24/7 access to your account information at You can see your account balance, employer contributions, submit claims for reimbursement and enroll in direct deposit. How do I use the funds in my RRA? Once funds are available in your RRA, you have two ways you can use your funds: 1. Pay for an eligible expense with cash, check or a personal credit card. Then, submit a claim for reimbursement. You can submit a claim online, or by using the PayFlex Mobile app, or by filling out a claim form and faxing or mailing it to PayFlex along with your documentation. 2. For quickest reimbursement, sign up for direct deposit. Then, when you submit a claim for reimbursement, you can have the money deposited directly into your checking or savings account. If you do not want to sign up for direct deposit, we can mail a check to your home. 3. Use our online payment tool to pay your provider directly from your RRA.

14 GLOSSARY 25 Questions? Visit or call toll-free , Monday through Friday, 9 a.m. 7 p.m. (ET). Glossary of Health Insurance Terms Basic Medicare Includes Medicare Parts A and B. Benefit The services and expenses covered by the health plans offered. Coinsurance Your share of costs for a covered expense. With some plans, you do not pay coinsurance until you have first paid the required deductible. Copayment (Copay) The set amount you pay for select plan benefits, such as a doctor s visit, usually when you receive the service. Deductible A set amount you may be required to pay before the plan begins to pay benefits. Dependent Your spouse, domestic partner and/or eligible dependent child who meets the eligibility criteria and requirements set by your former employer. Health Maintenance Organization (HMO) A type of Medicare Advantage Plan available in some areas of the country. Plans must cover all Medicare Part A and Part B health care. Some HMOs cover extra benefits, like extra days in the hospital. In most HMOs, you can only go to doctors, specialists or hospitals on the plan s list except in an emergency. Your costs may be lower than in Original Medicare. Medicare Prescription Drug Plan (PDP) This plan provides coverage that helps you pay the cost of covered Part D prescription drugs. Network The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services. Preferred Provider A provider that has a contract with your health insurer to provide services to you at a discount. Preferred Provider Organization (PPO) A type of Medicare Advantage Plan in which you pay less if the provider you see belongs to the network. You can use providers outside of the network but you may have to pay more. Premium The amount a beneficiary must pay to participate in a medical or prescription drug plan. You and/or former employer usually pay a premium monthly, quarterly or yearly. Private Fee-for-Service (PFFS) Plan A type of Medicare Advantage Plan that lets you visit any Medicareapproved doctor or hospital that accepts the plan s payment. The insurance plan, rather than the Medicare program, decides how much it will pay and what you pay for the services you get. You may pay more or less for Medicare covered benefits. You may have extra benefits Original Medicare doesn t cover. Provider A physician, health care professional or health care facility licensed, certified or accredited as required by state law. Supplemental Retiree Medical Plan (SRMP) This is a health insurance plan that provides coverage for some of the costs not covered under Original Medicare (Medicare Parts A and B), such as deductibles, copays and coinsurance for Medicare-covered services. Rx A commonly used abbreviation for a prescription or pharmacy benefit.

Helping you make the right Medicare decisions. Use. Choose. your benefits effectively. your health. care plan. Improve. and manage.

Helping you make the right Medicare decisions. Use. Choose. your benefits effectively. your health. care plan. Improve. and manage. Helping you make the right Medicare decisions Choose your health care plan Use your benefits effectively Improve and manage your health Your Guide to Selecting Medicare Coverage for 2015 What s Inside

More information

DTE Energy Medicare-Eligible Retirees and Dependents 2015 Retiree Health Program

DTE Energy Medicare-Eligible Retirees and Dependents 2015 Retiree Health Program DTE Energy Medicare-Eligible Retirees and Dependents 2015 Retiree Health Program Agenda Program Overview Medicare Basics RHA Program Retiree Reimbursement Account Questions and Answers 2 Program Overview

More information

It s Time for Medicare

It s Time for Medicare It s Time for Medicare med-waageinbook-1214 Medicare What you need to know. You re turning 65. Or you re already 65 and getting ready to retire and lose your healthcare coverage. You re almost ready for

More information

Health Coverage with More Choices

Health Coverage with More Choices Health Coverage with More Choices Get ready for a different approach to health coverage with flexibility to choose a plan that fits your needs. This brochure explains the health coverage for Medicare-eligible

More information

New Health Coverage with More Choices

New Health Coverage with More Choices New Health Coverage with More Choices Get ready for a new approach to health coverage with more flexibility to choose a plan that fits your needs. Effective January 1, 2015, health care benefits offered

More information

Medicare. Prescription Drug Plan Guide. Simple steps to help you choose the right prescription drug coverage

Medicare. Prescription Drug Plan Guide. Simple steps to help you choose the right prescription drug coverage Medicare Prescription Drug Plan Guide An educational resource developed by Simple steps to help you choose the right prescription drug coverage and published by Rite Aid Corporation. Rite Aid pharmacists

More information

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15 Medicare What you need to know Choose the plan that s right for you GNHH2ZTHH_15 Choosing a Medicare plan is a lot like buying a car. There are lots of options to consider. And what s right for you may

More information

GET READY TO TAKE ACTION!

GET READY TO TAKE ACTION! NEW CHOICES IT S TIME TO CHOOSE THE SUPPLEMENTAL MEDICARE COVERAGE THAT WORKS BEST FOR YOU. ENROLL BY Dec. 31, 2012. ANNOUNCING CHANGES TO YOUR RETIREE HEALTH CARE COVERAGE FOR 2013 GET READY TO TAKE ACTION!

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook Learn Protect Assess Enroll Your complimentary Medicare Guidebook About this Guidebook If you or someone you care for is new to Medicare or will be soon, this Guidebook will help make Medicare easier to

More information

What s a Medicare Advantage Plan?

What s a Medicare Advantage Plan? Revised April 2015 What s a Medicare Advantage Plan? You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the

More information

Medicare 101 Guide Your Guide to Medicare Basics

Medicare 101 Guide Your Guide to Medicare Basics Medicare 101 Guide Your Guide to Medicare Basics Y0013_16_MEDGUI Accepted 11232015 bcbstmedicare.com Get More from Your Medicare This guide helps you understand how Medicare s different parts work and

More information

Your Retiree Medical Transition Guide

Your Retiree Medical Transition Guide Your Retiree Medical Transition Guide What you need to know. Prepare for your enrollment. Partner with your own dedicated Benefits Advisor. Get help paying for your coverage. A New Way to Find the Right

More information

MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE

MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE AGENDA What is original Medicare? The A, B, C, and D s of Medicare Enrollment periods Medicare Advantage star rating system Where you can find

More information

Your Questions Answered

Your Questions Answered Your Questions Answered 1. GENERAL 1.1 What is happening to my retiree medical and prescription drug benefits for Medicare-eligible participants as of January 1, 2015? Effective December 31, 2014, CIGNA

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook Learn Protect Assess Enroll Your complimentary Medicare Guidebook Learn Original Medicare... 4 Medicare Prescription Drug Coverage.............. 6 Medicare Supplement Insurance... 8 Medicare Advantage...

More information

Extend Health. New Health Coverage with More Choices

Extend Health. New Health Coverage with More Choices Extend Health New Health Coverage with More Choices Get ready for a new approach to health coverage with more flexibility to choose a plan that fits your needs. Effective January 1, 2013, health care benefits

More information

Open. Enrollment. Welcome to

Open. Enrollment. Welcome to Open Welcome to Enrollment 2 0 1 0 Open enrollment for active full-time employees and eligible part-time faculty will take place from October 1 through October 31, 2009. Because LACCD is joining the CalPERS

More information

Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed.

Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed. Health Matters A Guide for Medicare-Eligible Healthcare Options Important health plan information enclosed. Why am I receiving this booklet? Brookhaven Science Associates (BSA) has decided to offer SelectQuote

More information

Health Matters. A Guide for Medicare-Eligible Retirees

Health Matters. A Guide for Medicare-Eligible Retirees Health Matters A Guide for Medicare-Eligible Retirees Why am I receiving this booklet? We have decided to offer SelectQuote Senior s insurance exchange. We are committed to helping you make smart choices.

More information

Introducing OneExchange.

Introducing OneExchange. RETIREE BENEFITS Introducing OneExchange. OneExchange provides you with plan advice and enrollment assistance to choose Medicare supplemental healthcare and prescription drug coverage that s right for

More information

MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente

MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente Sylvia Weathers Service Consultant Keenan & Associates Nancy C. Voltero Retiree Programs Consultant Kaiser Permanente License

More information

SMART Humana Group Medicare

SMART Humana Group Medicare SMART Humana Group Medicare Group Medicare GHHHNYFEN 0813 Overview of Humana Medicare Medicare is the largest government-sponsored health insurance program in the United States, serving more than 49 million

More information

A New Approach to Your Retiree Medical Benefits

A New Approach to Your Retiree Medical Benefits A New Approach to Your Retiree Medical Benefits A New Approach to Your Retiree Medical Benefits UC is taking a new approach to retiree medical care coverage for Medicare-eligible retirees and their Medicare-eligible

More information

Contact Social Security

Contact Social Security Medicare Contact Social Security Visit our website Our website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security s programs. At our website you also can: Apply

More information

NEW HEALTH CARE CHOICES FOR 2013. Key Resources for DuPont Medicare-Eligible Retirees and Dependents

NEW HEALTH CARE CHOICES FOR 2013. Key Resources for DuPont Medicare-Eligible Retirees and Dependents NEW HEALTH CARE CHOICES FOR 2013 Key Resources for DuPont Medicare-Eligible Retirees and Dependents ABOUT THIS BOOKLET Please read this booklet carefully. It explains what s changing for 2013, includes

More information

LCRA Open Enrollment for 2015 Frequently Asked Questions: Medicare and Retiree Reimbursement Accounts (RRAs)

LCRA Open Enrollment for 2015 Frequently Asked Questions: Medicare and Retiree Reimbursement Accounts (RRAs) LCRA Open Enrollment for 2015 Frequently Asked Questions: Medicare and Retiree Reimbursement Accounts (RRAs) Medicare Supplement Insurance Plan and Medicare Prescription Drug Plan 1. Do I have to enroll

More information

Allegian Advantage (HMO) H8554_001-2015 Accepted

Allegian Advantage (HMO) H8554_001-2015 Accepted Allegian Advantage (HMO) H8554_001-2015 Accepted IMPORTANT This presentation is for the exclusive use of Allegian Advantage (HMO) Allegian Health Plans is an HMO plan with a Medicare contract. Enrollment

More information

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See

More information

If you are thinking about retirement...

If you are thinking about retirement... RETIREE HEALTHCARE AND YOUR HEALTH REIMBURSEMENT ARRANGEMENT (HRA) This brochure describes certain retiree healthcare benefits under the Caterpillar Inc. Group Insurance Plan (Part 2). If you participate

More information

Retiree Health Care Plan Benefits 2012 Enrollment Guide. Medical Coverage: Pre-Medicare Retirees

Retiree Health Care Plan Benefits 2012 Enrollment Guide. Medical Coverage: Pre-Medicare Retirees Retiree Health Care Plan Benefits 2012 Enrollment Guide Medical Coverage: Pre-Medicare Retirees You ll choose from four medical plans: Basic, Comprehensive, Health Reimbursement Arrangement (HRA) and Health

More information

Health Matters. A Guide for Medicare-Eligible Health Care Options. Important health plan information enclosed.

Health Matters. A Guide for Medicare-Eligible Health Care Options. Important health plan information enclosed. Health Matters A Guide for Medicare-Eligible Health Care Options Important health plan information enclosed. Why am I receiving this booklet? Through Lockton Select Marketplace, we are able to offer a

More information

FREQUENTLY ASKED QUESTIONS REGARDING CHANGE TO MEDICARE ADVANTAGE PLAN

FREQUENTLY ASKED QUESTIONS REGARDING CHANGE TO MEDICARE ADVANTAGE PLAN FREQUENTLY ASKED QUESTIONS REGARDING CHANGE TO MEDICARE ADVANTAGE PLAN Q: What company administers the Medicare Advantage plan? A: The Medicare Advantage plan for the year of 2016 will be administered

More information

Introductions and Welcome

Introductions and Welcome Introductions and Welcome USG Representative Karin Elliott, University System Office Aon Retiree Health Exchange Representative Proprietary & Confidential August 2015 2 Why We Are Here Today The purpose

More information

MENDOCINO COUNTY 2010 HEALTH CARE BENEFITS FOR MEDICARE-ELIGIBLE RETIREES AND DEPENDENTS Questions and Answers

MENDOCINO COUNTY 2010 HEALTH CARE BENEFITS FOR MEDICARE-ELIGIBLE RETIREES AND DEPENDENTS Questions and Answers MENDOCINO COUNTY 2010 HEALTH CARE BENEFITS FOR MEDICARE-ELIGIBLE RETIREES AND DEPENDENTS Questions and Answers Q. Why the change? A. Anticipated exhaustion of the retiree health reserves by the end of

More information

HEALTH CARE CHOICES FOR ELIGIBLE RETIREES

HEALTH CARE CHOICES FOR ELIGIBLE RETIREES HEALTH CARE CHOICES FOR ELIGIBLE RETIREES Effective 2013 table of contents > Page 2 3 Retiree Medical Plan Overview 3 Plan Highlights and Eligibility 5 Non-Medicare Eligible Retiree Component 6 Aetna PPO

More information

Harvard Pilgrim s. Medicare Supplement Plan. Simple, smart solutions to supplement your Medicare coverage. Massachusetts

Harvard Pilgrim s. Medicare Supplement Plan. Simple, smart solutions to supplement your Medicare coverage. Massachusetts Harvard Pilgrim s Medicare Supplement Plan Simple, smart solutions to supplement your Medicare coverage Massachusetts Coverage underwritten by HPHC Insurance Company, an affiliate of Harvard Pilgrim Health

More information

Multiple sclerosis and health insurance: How to choose a plan that is right for you

Multiple sclerosis and health insurance: How to choose a plan that is right for you Multiple sclerosis and health insurance: How to choose a plan that is right for you What are the different types of health insurance? Choosing a health insurance plan is important, especially if you have

More information

Napa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program)

Napa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program) 2015 Napa County Medicare Advantage Plans (Medicare Part C Plans) HICAP Volunteer Counselors are available to help compare health plans in an objective and unbiased manner. They can help consumers understand

More information

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See

More information

Medicare Resource Guide

Medicare Resource Guide Medicare Resource Guide Patient Name Dear Patient, Please take the time to read the following sections of this brochure as noted by your healthcare provider. These different components of Medicare deal

More information

Everyone needs to plan ahead for Medicare

Everyone needs to plan ahead for Medicare Your financial well-being Everyone needs to plan ahead for Medicare Having a thorough understanding of how Medicare works and the choices you need to make about its coverage is an essential part of retirement

More information

Things you need to know about Medicare.

Things you need to know about Medicare. Things you need to know about Medicare. 1 2 3 1OPTION Original Medicare We re here to help. Approaching 65 is an important milestone in life, and becoming eligible for Medicare is part of that. Whether

More information

Guide to Purchasing Health Insurance

Guide to Purchasing Health Insurance Guide to Purchasing Health Insurance What are your health insurance choices? Which type is right for you? Sample questions Looking for insurance in specific situations Tips for shopping for health coverage

More information

Guiding you on the new road ahead

Guiding you on the new road ahead Guiding you on the new road ahead Your 2015 retiree plan options Caltech Retiree Information Sessions Today s focus: Your 2015 plan options Understanding the plans How to enroll in 2015 Aetna Marketplace

More information

Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions

Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions Table of Contents What is Medicare?... 3 What are the different parts of Medicare?... 4 What does Medicare help cover Part A?...

More information

City of Arlington Open Enrollment Meeting. November, 2015

City of Arlington Open Enrollment Meeting. November, 2015 City of Arlington Open Enrollment Meeting November, 2015 WELCOME Why We re Here Step 1: Learn about your options Step 2: Consider your choices Step 3: Enroll in a plan Already enrolled? What do I need

More information

What is a Medicare Advantage Plan?

What is a Medicare Advantage Plan? CENTERS FOR MEDICARE & MEDICAID SERVICES What is a Medicare Advantage Plan? A Medicare Advantage Plan (like an HMO or PPO) is a way to get your Medicare benefits. Unlike Original Medicare, in which the

More information

What s Medicare? What are the different parts of Medicare?

What s Medicare? What are the different parts of Medicare? Revised June 2015 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney

More information

MEDICARE: You ve earned It. Make the most of it.

MEDICARE: You ve earned It. Make the most of it. Cigna Medicare Services MEDICARE: You ve earned It. Make the most of it. A simple guide filled with useful information on Medicare, health and wellness and more. Section 1 MEDICARE. PLAIN AND SIMPLE. Section

More information

Overview of Health Insurance Options for Medicare-Eligible Members

Overview of Health Insurance Options for Medicare-Eligible Members Overview of Health Insurance Options for Medicare-Eligible Members The following pages offer general descriptions of the types of plans offered to CTPF retirees who are eligible for and maintain active

More information

STEPPING INTO MEDICARE. Invaluable help from the name you know and trust Blue Cross and Blue Shield of Illinois

STEPPING INTO MEDICARE. Invaluable help from the name you know and trust Blue Cross and Blue Shield of Illinois STEPPING INTO MEDICARE Invaluable help from the name you know and trust Blue Cross and Blue Shield of Illinois Blue Cross and Blue Shield of Illinois offers a great array of plans that pick up where Medicare

More information

I wanted to understand the Medicare program basics. This presentation really helped.

I wanted to understand the Medicare program basics. This presentation really helped. Welcome to Medicare 101! I wanted to understand the Medicare program basics. This presentation really helped. What is Medicare? What benefits does Medicare cover? What benefits doesn t Medicare cover?

More information

Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Frequently Asked Questions High Deductible Health Plan (HDHP) with Health Savings Account (HSA) There are two components to the High Deductible Health Plan (HDHP) with HSA Medical Plan the HDHP Health

More information

Aon Retiree Health ExchangeTM

Aon Retiree Health ExchangeTM Recommended by 2015 2016 Medicare Insurance Guide Aon Retiree Health ExchangeTM help you can count on It s Time to Make an Important Decision Why? Medicare Parts A and B won t cover all your health care

More information

Aon Retiree Health ExchangeTM

Aon Retiree Health ExchangeTM Recommended by 2015 2016 Medicare Insurance Guide Aon Retiree Health ExchangeTM help you can count on It s Time to Make an Important Decision Why? Medicare Parts A and B won t cover all your health care

More information

In-Network Benefits. NationalOne 2600/5200 HDHP- HSA. NationalOne 200-25. Available to: Deductible. Medical Out-of-pocket Maximum

In-Network Benefits. NationalOne 2600/5200 HDHP- HSA. NationalOne 200-25. Available to: Deductible. Medical Out-of-pocket Maximum 2 In-Network Benefits Available to: Deductible Medical Out-of-pocket Maximum NationalOne 200-25 ALL Units $200 individual $600 family $500 individual $1,000 family NationalOne 2600/5200 HDHP- HSA Clerical,

More information

Sales Presentation The Michigan Medicare Plans Designed Around YOU

Sales Presentation The Michigan Medicare Plans Designed Around YOU Sales Presentation The Michigan Medicare Plans Designed Around YOU HARBOR MEDICARE (HMO) HARBOR MEDICARE SELECT (HMO) H7960_003-2016 Approved WHAT YOU CAN EXPECT FROM THIS PRESENTATION PART 1 Introduction

More information

HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted

HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted IMPORTANT This presentation is for the exclusive use of Authorized Plan Representatives of Harbor Advantage (HMO). Harbor Health Plan is an HMO plan with

More information

How Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015

How Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 How Medicare Works Helping you make the most of Medicare 2016 MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 About Medicare Whether you re new to Medicare or want a refresher,

More information

Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts

Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.

More information

Welcome to Kaiser Permanente

Welcome to Kaiser Permanente Welcome to Kaiser Permanente Presenting Medicare 101 and Kaiser Permanente Senior Advantage (HMO) Fresno Unified School District Yolanda Smith Retiree Consultant September 2014 Basics of Medicare What

More information

Assembling the Puzzle. Welcome!

Assembling the Puzzle. Welcome! Assembling the Puzzle Welcome! Thank you for joining us. The webinar will start momentarily. If you have not yet dialed in to the audio portion of the webinar, please click on Info Tab above, and follow

More information

What Federal Employees Need to Know About Their Health Insurance and Medicare

What Federal Employees Need to Know About Their Health Insurance and Medicare What Federal Employees Need to Know About Their Health Insurance and Medicare Federal employees have been paying the Medicare Part A (hospital insurance) payroll tax since Jan. 1, 1983. That means all

More information

Once you have an understanding of your health needs, you need to understand your Medicare options so you can decide which one best suits your needs.

Once you have an understanding of your health needs, you need to understand your Medicare options so you can decide which one best suits your needs. Medicare Options It is important for you to think about your particular health care needs. Do you have a doctor you prefer to see? Do you have a condition that requires frequent doctor visits? How many

More information

Solutions for Today Flexibility for Tomorrow.

Solutions for Today Flexibility for Tomorrow. Solutions for Today Flexibility for Tomorrow. Medicare Products and Services For More Information call our Senior Care Specialist, Raun Lynch at 856.380.5079 Or visit us on the web at www.cbdi-inc.com

More information

2016 Your. Enrollment Guide. Complete Your Medicare Insurance Enrollment for Coverage in 2016

2016 Your. Enrollment Guide. Complete Your Medicare Insurance Enrollment for Coverage in 2016 2016 Your Enrollment Guide Complete Your Medicare Insurance Enrollment for Coverage in 2016 Important! How to Contact Us Please take a moment to review this guide and learn how Towers Watson s OneExchange

More information

Medicare Made Clear Answer Guide

Medicare Made Clear Answer Guide Medicare Made Clear Answer Guide Y0066_100820_113217 File & Use 08252010 Medicare can be confusing. How do you find the best options to fit your needs? This guide has some answers that may be helpful.

More information

Frequently AskedQuestions. Y For Your 2014 Medicare Enrollment

Frequently AskedQuestions. Y For Your 2014 Medicare Enrollment Frequently AskedQuestions Y For Your 2014 Medicare Enrollment Frequently Asked Questions For Your 2014 Medicare Insurance Enrollment As of November 8, 2013 TOPICS Enrollment Appointments/When to Call Prescription

More information

University System of Georgia Aon Retiree Health Exchange FAQs for Retirees. June 3, 2015. Risk. Reinsurance. Human Resources.

University System of Georgia Aon Retiree Health Exchange FAQs for Retirees. June 3, 2015. Risk. Reinsurance. Human Resources. University System of Georgia Aon Retiree Health Exchange FAQs for Retirees June 3, 2015 Risk. Reinsurance. Human Resources. Why is the University System of Georgia (USG) changing retiree health care coverage?

More information

Consumer Choice Plan, Health Savings Account and Health Care Flexible Spending Account Frequently Asked Questions

Consumer Choice Plan, Health Savings Account and Health Care Flexible Spending Account Frequently Asked Questions Consumer Choice Plan, Health Savings Account and Health Care Flexible Spending Account Frequently Asked Questions Information on how the plan and the accounts work The Consumer Choice Plan 1. How is the

More information

Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits

Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits Making the Most of Medicare An Easy Guide to Getting More from Your Benefits Making the Most of Medicare Those who have Medicare or are aging into the program have many choices in today s health care environment.

More information

GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com

GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com GEHA 2014 Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com CODE Self Only 341 Self + Family 342 Enrollment checklist 1. Research health

More information

HEALTHSPAN MEDICARE HEALTH PLAN

HEALTHSPAN MEDICARE HEALTH PLAN This is an advertisement. HealthSpan Medicare Advantage for Federal Members (HMO) YOUR GUIDE TO CHOOSING A HEALTHSPAN MEDICARE HEALTH PLAN INCREASE YOUR COVERAGE without increasing your FEHB premium. MAKE

More information

GROUP MEDICARE. supplement plans

GROUP MEDICARE. supplement plans 2016 GROUP MEDICARE supplement plans Create a Healthier Organization Your employees are your organization s most valuable asset. As they retire, you want to show your commitment to them and manage health

More information

New medical ID cards for High Option Supplement and Medicare PPO plans

New medical ID cards for High Option Supplement and Medicare PPO plans New medical ID cards for High Option Supplement and Medicare PPO plans As part of a system upgrade on September 1, 2015, Blue Shield of California will issue new medical plan ID cards that include a new

More information

Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions

Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions What is the Blue Shield of California CDHP with HSA? The Blue Shield of California

More information

Contacting Social Security Visit our website www.socialsecurity.gov Call our toll-free number 1-800-772-1213 1-800-325-0778

Contacting Social Security Visit our website www.socialsecurity.gov Call our toll-free number 1-800-772-1213 1-800-325-0778 Medicare Contacting Social Security Visit our website Our website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security s programs. At our website you also can: Apply

More information

Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP)

Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP) Your Plan Explained Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP) UnitedHealthcare MedicareRx for Groups (PDP) Y0066_PDP_896487_000 What is Medicare Part D? Medicare Part D is a

More information

Information provided by NYS Civil Service Medicare for Disability Retirees - September 2007

Information provided by NYS Civil Service Medicare for Disability Retirees - September 2007 Information provided by NYS Civil Service Medicare for Disability Retirees - September 2007 For employees of New York State agencies who are awarded a Disability Retirement Disability Retirees Must Enroll

More information

New Coverage New Choices 10/31/2011

New Coverage New Choices 10/31/2011 New Coverage New Choices 10/31/2011 What We Will Cover Today What is changing and why. How this affects you. Get to know Extend Health and the services available to you. A look at the Medicare marketplace.

More information

preparing for Medicare retirement for Medicare retirees

preparing for Medicare retirement for Medicare retirees preparing for Medicare retirement for Medicare retirees 2008 introduction eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for Medicare

More information

Medicare 2014. Medicare 101 Agenda

Medicare 2014. Medicare 101 Agenda Medicare 2014 What s Important in 2014 Medicare 101 Agenda What is Medicare? How do I enroll? When can I sign up? What if I am still working? What does Medicare cost? Let s talk about Medicare Coverage

More information

Medicare Solutions. Compare Medicare Supplement plans Learn how to enroll AZ1099. This is a solicitation for insurance 115555-15

Medicare Solutions. Compare Medicare Supplement plans Learn how to enroll AZ1099. This is a solicitation for insurance 115555-15 Medicare Solutions 115555-15 Compare Medicare Supplement plans Learn how to enroll D12354 06/15 17791 0415 AZ1099 This is a solicitation for insurance Contact Customer Service or your licensed sales representative

More information

The Federal Employees Health Benefits Program and Medicare

The Federal Employees Health Benefits Program and Medicare The Federal Employees Health Benefits Program and Medicare This booklet answers questions about how the Federal Employees Health Benefits (FEHB) Program and Medicare work together to provide health benefits

More information

Medicare Explained (For the rest of us!) A plain English version

Medicare Explained (For the rest of us!) A plain English version Produced by & Not affiliated with any Government Agency A Brief History of Medicare Medicare is a national social insurance program, administered by the U.S. federal government since 1965, that guarantees

More information

Understanding Medicare Fundamentals

Understanding Medicare Fundamentals Understanding Medicare Fundamentals A Healthcare Cost Planning Overview By Mark J. Snodgrass & Pamela K. Edinger JD July 7, 2012 Money Tree Software, Ltd. 2430 NW Professional Dr. Corvallis, OR 98330 2012

More information

Faculty Alabama State Health Insurance Assistance Program and Medicare 101

Faculty Alabama State Health Insurance Assistance Program and Medicare 101 Faculty Alabama State Health Insurance Assistance Program and Medicare 101 Susan Segrest Community Based Services Division Chief Central Alabama Aging Consortium A Training on Basic Medicare and the Alabama

More information

Medicare has four components, Part A, Part B Part C and Part D:

Medicare has four components, Part A, Part B Part C and Part D: Medicare What is Medicare? Medicare is a National Health Insurance Program for people 65 years of age and older Certain persons with disabilities under the age of 65 People with end stage renal disease

More information

THE NELSON TRUST WWW.NELSON.AIBPA.COM

THE NELSON TRUST WWW.NELSON.AIBPA.COM December 28, 2012 Please read this notice carefully. This Notice contains important information regarding your coverage under The Nelson Trust Medicare Retiree Plan, effective April 1, 2013. You need to

More information

State Retiree Medicare Advantage Plans

State Retiree Medicare Advantage Plans State Retiree Medicare Advantage Plans October/November 2015 Copyright 2013 by The Segal Group, Inc. All rights reserved. Your 2016 Retiree Benefits www.cms.illinois.gov/thetrail 2 Eligibility Who is Required

More information

Medicare + GEHA. Protect yourself from unexpected health care expenses

Medicare + GEHA. Protect yourself from unexpected health care expenses Medicare + GEHA Protect yourself from unexpected health care expenses Table of contents Facts about Medicare 5 Medicare Part A 6 Medicare Part B 6 Medicare Part C 7 Medicare Part D 8 GEHA + Medicare 10

More information

Your Retiree Health Care Travel Guide

Your Retiree Health Care Travel Guide SPECIAL EDITION for Individuals Not Yet Eligible for Medicare Your Retiree Health Care Travel Guide 2010 Enrollment for BorgWarner Pre-Medicare Health Care Coverage Welcome to 2010 Pre-Medicare enrollment!

More information

Medigap Insurance 54110-0306

Medigap Insurance 54110-0306 Medigap Insurance Overview A summary of the insurance policies to supplement and fill gaps in Medicare coverage. How to be a smart shopper for Medigap insurance Medigap policies Medigap and Medicare prescription

More information

Understanding Medicare

Understanding Medicare Understanding Medicare When you think about income streams in retirement, Medicare may not initially come to mind. But it is an important part of most retirees "golden years." Medicare covers many health

More information

& Medicare NYSHIP. January 2013. New York State Department of Civil Service, Employee Benefits Division

& Medicare NYSHIP. January 2013. New York State Department of Civil Service, Employee Benefits Division January 2013 & Medicare NYSHIP NY and PE Retirees Important Health Insurance Information for Retirees, Vestees, Dependent Survivors, Preferred List Enrollees and their Enrolled Dependents and Young Adult

More information

Health Savings Account FAQs

Health Savings Account FAQs General What s a health savings account (HSA)? An HSA is an interest-bearing savings account you fund either with before-tax paycheck deductions through WageWorks McKesson s HSA administrator or with tax-deductible

More information

Medicare 101 What is the difference between Medicare and Medicaid? What is Medicare Part A? What is Medicare Part B? What is Medicare Part C?

Medicare 101 What is the difference between Medicare and Medicaid? What is Medicare Part A? What is Medicare Part B? What is Medicare Part C? Medicare 101 What is the difference between Medicare and Medicaid? Medicare is a national health insurance program administered by the federal government that provides health insurance coverage to most

More information

QUESTIONS AND ANSWERS

QUESTIONS AND ANSWERS QUESTIONS AND ANSWERS Introducing a different way to pay for care. When you set up an HSA, you can use tax-free 1 funds to help pay for your qualified medical expenses. 2 Understanding your HSA Who is

More information

New Approach To Retiree Health Care Coverage

New Approach To Retiree Health Care Coverage New Approach To Retiree Health Care Coverage What We ll Cover Today What Is Changing Why the Change? Your HRA Introducing Extend Health Understanding Supplemental Medicare Insurance Next Steps Questions

More information

Oak Ridge National Laboratory. New Coverage New Choices

Oak Ridge National Laboratory. New Coverage New Choices Oak Ridge National Laboratory New Coverage New Choices What we ll cover today What is changing and why? How this affects you Introducing Extend Health Medicare marketplace Going forward Questions & answers

More information