University of New Mexico

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1 University of New Mexico 2015 Open Enrollment Guide for 65+ Medical and Dental Plans Division of Human Resources MSC University of New Mexico Albuquerque, NM (505) 277-MYHR (6947)

2 Division of Human Resources Benefits & Employee Services DATE: October 9, 2014 TO: Retiree Senior Plan Member FROM: Human Resources RE: Open Enrollment for 2015 Medicare Advantage and Supplement Plans Dear 65+ Medicare Plan Member, The Medicare Plan Open Enrollment will begin on Wednesday, October 15, 2014 and end on Wednesday, November 5, During this Open Enrollment period you can change or cancel your medical and/or dental plans and add Medicareeligible dependents to your plans. The University will be offering the following medical and dental plans for retirees for 2015: AARP Medical Plan F and Preferred Prescription Plan Lovelace Standard or Enhanced Medicare Plan* Select or Premier Medicare Plan Delta Dental PPO or Premier Plan The Retirement Services Division will be sponsoring a Vendor Fair on Wednesday, October 29, 2014 from 10:00 am to 2:00 pm in room B of the Continuing Education Conference Center (North Building). You are encouraged to come to the Vendor Fair, meet the plan providers and learn more about medical and dental plan options available to you. In addition, providers will be onsite to provide information on fantastic volunteer services available to retirees in the greater Albuquerque area. If you are unable to attend the Vendor Fair, various Medicare Vendor sessions are available at the following dates/times: Medicare Plan Provider Lovelace Medicare Plan* Medicare Plan Medicare Plan Lovelace Medicare Plan* Date Time Location 10/23/ :30 am - 2:30 pm 10/24/2014 2:00 pm - 3:00 pm 10/30/ :00 am - 11:00 am 10/31/ :30 am - 12:30 pm BCBS Headquarters, 5701 Balloon Fiesta Parkway NE, Albuquerque, NM 87113, Bandelier Conference Room Mimi s Café, 4316 The 25 Way NE, Albuquerque, NM Mimi s Café, 4316 The 25 Way NE, Albuquerque, NM BCBS Headquarters, 5701 Balloon Fiesta Parkway NE, Albuquerque, NM 87113, Bandelier Conference Room Medical Benefit coverage will be effective for a 12-month period starting January 1, 2015 through December 31, Dental benefit coverage is on a fiscal year basis, and the enclosed rates are guaranteed until June 30, You will not be able to make any other changes during the 12 month period unless you experience a qualifying change in status. Therefore, we encourage you to carefully read the materials contained within this packet. Please note: If you do not want to make changes to your current medical or dental coverage, you DO NOT have to submit an Open Enrollment change form to remain covered under your current plans. *Lovelace Medicare Plans are administered by BlueCross BlueShield of New Mexico 2

3 DEPENDENTS THAT CAN BE ADDED DURING THIS OPEN ENROLLMENT You may add the following dependents to your health and dental plans during this Open Enrollment period: Your legal spouse over the age of 65 Your domestic partner over the age of 65 You must submit a signed and notarized Affidavit and three (3) proofs of shared financial obligation, along with a completed Open Enrollment change form. Your unmarried child (ren) that is (are) disabled Child must be mentally or physically disabled- Social Security Disability Award Certificate must be attached QUALIFYING CHANGE IN STATUS OR EVENTS-DEFINED Once you are enrolled in medical and/or dental plans, you cannot make changes to those plans outside of the open enrollment period unless you experience a "Qualifying Change in Status" event. In order to make changes to your health and/or dental plans, you must do so within thirty-one days (31 days) of the Qualifying Change in Family Status event. Qualifying events include the following: Marriage or divorce Death of your spouse or dependent Change in your or your spouse's employment from part-time to full-time, or full-time to part-time Significant changes in the health coverage of you or your spouse, attributable to your spouse's employment Birth or adoption of a child Move out of coverage area for Medicare Advantage plans (Lovelace or ) OTHER IMPORTANT INFORMATION All carrier medical plan enrollment forms are available at the HR Service Center. Carrier medical enrollment forms will NOT be processed without a completed 2015 Open Enrollment Change form attached to it. Forms submitted after the November 5, 2014 deadline will NOT be processed. NO EXCEPTIONS. Lovelace and Healthcare CANNOT process open enrollment change forms at their office or information meetings. All forms must be submitted directly to the HR Service Center for processing. PLEASE NOTE: If you choose to cancel your Medical or Dental coverage, you will never be allowed to re-enroll in coverage at a later date. 3

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6 BENEFIT LOVELACE ENHANCED MEDICARE PLAN LOVELACE STANDARD MEDICARE PLAN TOTAL MONTHLY PREMIUM $ $77.35 Out of Pocket Maximum $2,500 $3,400 Inpatient Hospital Care $100 copay for day 1-5 $100 copay for day 1-3 Skilled Nursing Facility $0 copay Days $0 copay Days Inpatient Mental Health Care $100 copay for day 1-5 $100 copay for day 1-3 Home Health Care $0 copay $0 copay Hospice $0 from a Medicare-certified hospice $0 from a Medicare-certified hospice Primary Care Doctor Office Visits $10 copay $10 copay Specialist $30 copay $20 copay Chiropractic Services $20 copay $20 copay 36 visits per year 36 visits per year Podiatry $20 copay $20 copay Outpatient Mental Health $20 copay $20 copay Partial Hospitalization $0 copay $0 copay Outpatient Substance Abuse $20 copay $20 copay Outpatient Services/Surgery $50 copay $50 copay Ambulance Services $75 copay $75 copay Emergency Care $50 copay (waived if admitted) $50 copay (waived if admitted) Worldwide coverage Worldwide coverage Urgently Needed Care $20 contracted $20 contracted $50 non-contracted $50 non-contracted Worldwide coverage Worldwide coverage Outpatient Rehabilitation Services $10 for each visit to occupational, speech/language, physical therapy $10 for each visit to occupational, speech/language, physical therapy Durable Medical Equipment (includes wheelchairs, oxygen, etc.) $0 copay $0 copay Prosthetic Devices $0 copay (authorization does apply) $0 (authorization does apply) Diagnostic Tests, $0 for lab and x-ray $0 for lab and x-ray X-Rays, and Lab Services $50 for MRI, MRA $50 for MRI, MRA $50 for CT, PET Scan, and Nuclear Medicine $50 for CT, PET Scan, and Nuclear Medicine Allergy Injections $0 copay; office visit copay may apply $0 copay; office visit copay may apply Cardiac Rehab (includes intensive cardiac rehab services) $10 copay $10 copay Pulmonary rehab services $0 copay $0 copay 6

7 BENEFIT Preventive Services and Wellness/Education Programs: Abdomen aortic aneurysm screening Annual wellness visit Bone mass measurement Breast cancer screening (mammograms) Cardiovascular screening Cervical and vaginal cancer screening Colorectal cancer screening; colonoscopy Kidney transplant (with referral) Diabetes screening Influenza Vaccine Hepatitis B Vaccine (for people with Medicare that are at risk) HIV screening Medical nutrition therapy Pneumococcal Vaccine Prostate cancer screening exam Smoking and tobacco use cessation (counseling to stop smoking or tobacco use) Welcome to Medicare Preventive Visit Kidney Disease and Conditions/Education services Dental Services (Medicare-covered benefits only) Hearing Services Vision Services (eyeglasses or contacts after cataract surgery) LOVELACE ENHANCED MEDICARE PLAN $0 copay $0 copay $0 copay $0 copay $20-$50 copay $20-$50 copay LOVELACE STANDARD MEDICARE PLAN $30 copay for a routine hearing exam $30 copay for a routine hearing exam $300 for hearing aids annually $300 for hearing aids annually $20-$30 copay $20-$30 copay $0 copay for one pair of contacts or $0 copay for one pair of contacts or eyeglasses after cataract surgery up to eyeglasses after cataract surgery up to Medicare allowable Medicare allowable Diagnosis and treatment of diseases and conditions of the eye $20-$30 copay $20-$30 copay Routine eye exam $0 copay through VSP $0 copay through VSP Physical Exams $0 copay $0 copay Acupuncture (20 visits per year) $15 copay (contracted acupuncturists only) $15 copay (contracted acupuncturists only) Up to 20 visits every year Up to 20 visits every year Safety Devices $0 copay $0 copay $450 calendar year cumulative max $450 calendar year cumulative max Transportation (Non-Emergency) $0 copay $0 copay Four one-way visits annually to plan approved locations Four one-way visits annually to plan approved locations 7

8 BENEFIT LOVELACE ENHANCED MEDICARE PLAN LOVELACE STANDARD MEDICARE PLAN Outpatient There is no deductible. There is no deductible. Prescription Drugs INITIAL COVERAGE LEVEL INITIAL COVERAGE LEVEL Before the total yearly drug costs (paid by you) reach $4700, you pay the following for prescription drugs: Before the total yearly drug costs (paid by both you and your plan) reach $2960, you pay the following for prescription drugs: $0 for a one-month (30 day) supply of Preferred Generic drugs Tier 1 $0 for a one-month (30 day) supply of Preferred Generic drugs Tier 1 $7 for a one-month (30 day) supply of Non-Preferred Generic drugs Tier 2 $5 for a one-month (30 day) supply of Non-Preferred Generic drugs Tier 2 $32 for a one-month (30 day) supply of Preferred Brand drugs Tier 3 $38 for a one-month (30 day) supply of Preferred Brand drugs Tier 3 $62 for a one-month (30 day) supply of Non-Preferred drugs Tier 4 $70 for a one-month (30 day) supply of Non-Preferred drugs Tier 4 $62 for a one-month (30 day) supply of Specialty Drug drugs. Tier 5 30% up to $500 max for a one-month (30 day) supply of Specialty Drug drugs. Tier 5 Insulin vials with the brand name Novolin or Novolog will be covered on Tier 1 $0 for a three-month (90 day) supply of Preferred Generic drugs Tier 1 Insulin vials with the brand name Novolin or Novolog will be covered on Tier 1 $0 for a three-month (90 day) supply of Preferred Generic drugs Tier 1 $21 for a three-month (90 day) supply of Non-Preferred Generic drugs Tier 2 $15 for a three-month (90 day) supply of Non-Preferred Generic drugs Tier 2 $114 for a three-month (90 day) supply of Preferred Brand drugs Tier 3 $96 for a three-month (90 day) supply of Preferred Brand drugs Tier 3 $210 for a three-month (90 day) supply of Non-Preferred drugs Tier 4 $186 for a three-month (90 day) supply of Non-Preferred drugs Tier 4 8

9 BENEFIT LOVELACE ENHANCED MEDICARE PLAN COVERAGE GAP There is no coverage gap on the Plan I. LOVELACE STANDARD MEDICARE PLAN COVERAGE GAP After you and the plan pay $2960, you pay the following: $0 for a one-month (30 day) supply of Preferred Generic drugs Tier 1 $5 for a one-month (30 day) supply of Non-Preferred Generic drugs Tier 2 $0 for a three-month (90 day) supply of Preferred Generic drugs Tier 1 $15 for a three-month (90 day) supply of Non-Preferred Generic drugs Tier 2 For all other covered drugs, and after the total yearly drug costs (paid by both you and your plan) reach $2960, you pay 45% of your prescription drug costs up until your yearly out-of-pocket drug costs reach $4700. CATASTROPHIC LEVEL After your yearly out-of-pocket drug costs reach $4700 you pay the greater of: CATASTROPHIC LEVEL After your yearly out-of-pocket drug costs reach $4700 you pay the greater of: $2.65 for generic (including brand drugs treated as generic) and $6.60 for all other drugs, or $2.65 for generic (including brand drugs treated as generic) and $6.60 for all other drugs, or 5% coinsurance 5% coinsurance 9

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11 BENEFITS Premier Plan In-Network Select Plan In-Network Select Plan Premier Plan Out-of- Out-of- Network Network Premium $74.75 $65.00 Out of Pocket Maximum $2,500 $10,000 $2,500 $10,000 Inpatient Hospital Care Inpatient Mental Health Care $100 per day for days 1-3 (per admit) $100 per day for days 1-3 (per admit) $750 (per admit) $100 per day for days 1-3 (per admit) $750 (per admit) $100 per day for days 1-3 (per admit) $750 (per admit) $750 (per admit) Skill Nursing Facility Days 1-20/day $0 $0 $0 $0 Skills Nursing Facility Days /per $40 $125 $40 $125 day Cardiac and Pulmonary Rehabilitation $0 $35 $0 $35 Services Emergency Care (waived if admitted) $50 $50 $50 $50 Urgently Needed Care In-network $5 $50 $5 $50 World-wide Coverage NA $50 NA $50 Outpatient Mental Health Care Partial Hospitalization (Psychiatric Treatment) Psychiatric Services $25 50% $25 50% - Individual Sessions $25 50% $25 50% - Group Sessions $25 50% $25 50% Mental Health Specialty Services $25 50% $25 50% - Individual Sessions $25 50% $25 50% - Group Sessions $25 50% $25 50% Outpatient Substance Abuse Care - Individual Sessions $25 50% $25 50% - Group Sessions $25 50% $25 50% Home Health Care $0 $0 $0 $0 Doctor Office Visits $5 $35 $5 $35 - Other Health Care Professional $10 $35 $10 $35 Specialist Services $25 $55 $25 $55 Chiropractic Services $20 $55 $20 $55 Occupational Therapy Services $20 $35 $20 $35 Physical Therapy and/or Speech/Language $20 $35 $20 $35 Therapy visit (including Biofeedback therapy) Podiatry Services $0 $55 $0 $55 Outpatient Diagnostic Procedures and 0% 10% 0% 10% Tests Lab Services 0% 10% 0% 10% 11

12 BENEFITS Premier Plan In-Network Select Plan In-Network Premier Plan Out-of- Network Select Plan Out-of- Network Outpatient Diagnostic Radiological 0% 20% 0% 20% Services Therapeutic Radiological Services 0% 20% 0% 20% X-ray 0% 10% 0% 10% MRI/MRA, CT Scan and Pet Scan 0% 10% 0% 10% Outpatient Surgery $75 20% $75 20% Outpatient Hospital Facility $75 20% $75 20% Blood (No Limit) $0 $35 $0 $35 Ambulance Services $50 $50 $50 $50 Transportation No No No No Durable Medical Equipment $20 $50 $20 $50 Ostomy Supplies $0 $50 $0 $50 Prosthetic Devices $20 $50 $20 $50 Prosthetic Medical Supplies $20 $50 $20 $50 Surgical dressings, splints, casts and other $0 20% $0 20% devices Diabetes Self-Monitoring Training 0% 10% 0% 10% Diabetes Programs and Supplies 0% 10% 0% 10% Therapeutic shoes and inserts 0% 10% 0% 10% Kidney Disease and Conditions $0 $0 $0 $0 Renal Dialysis (ESRD) $0 $0 $0 $0 Kidney Disease Education Services $0 $0 $0 $0 Acupuncture Benefits (20 visits per year) $15 $55 $15 $55 Over the Counter Items No No No No Meal Benefit No No No No Preventive Services Abdominal aortic aneurysm screening Annual wellness visit Bone mass measurement Breast cancer screening (mammograms) Cardiovascular disease risk reduction visit (therapy for cardiovascular disease) Cardiovascular disease testing Cervical and vaginal cancer screening Colorectal cancer screening, Colonoscopy $0 $35 $0 $35 12

13 BENEFITS Preventive Services, Cont'd Depression screening Diabetes screening Diabetes self-management training, diabetic services and supplies Health and wellness education programs HIV screening, immunizations, Flu and Hepatitis B, Pneumonia Medical nutrition therapy Obesity screening and therapy to promote sustained weight loss Prostate cancer screening exams Screening and counseling to reduce alcohol misuse Screening for sexually transmitted infections (STIs) and counseling to prevent STIs Smoking and tobacco use cessation (counseling to stop smoking or tobacco use) Vision care Welcome to Medicare Preventive Visit Premier Plan In-Network Select Plan In-Network Premier Plan Out-of- Network Select Plan Out-of- Network $0 $35 $0 $35 Annual Physical Exam $0 $35 $0 $35 Pap Smears & Pelvic Exams $0 $35 $0 $35 Wellness/Education and Other Supplemental Benefits & Services Health Education $0 $35 $0 $35 Nutritional Benefit $0 $35 $0 $35 Additional Smoking and Tobacco Use $0 $35 $0 $35 Membership in Health Club $0 $35 $0 $35 Nursing Hotline $0 $35 $0 $35 Enhanced Disease Management $0 $35 $0 $35 Tele-Monitoring $0 $35 $0 $35 Web/Phone-Based Technology (Video $0 $35 $0 $35 Visits) Bathroom Safety Devices No No No No Counseling Services $0 $35 $0 $35 In-Home Safety Assessment No No No No Personal Emergency Response System No No No No (PERS) Additional sessions of Medical Nutrition $0 $35 $0 $35 Therapy (MNT) Post discharge In-Home Medication No No No No Reconciliation Re-Admission Prevention No No No No Meals No No No No 13

14 BENEFITS Premier Plan In-Network Premier Plan Out-of- Network Select Plan In-Network Select Plan Out-of- Network Part B - Drugs Chemotherapy Drugs 5% 20% 5% 20% Other Medicare Part B Drugs 5% 20% 5% 20% For Select Oral Immunosuppressant and 0% 20% 0% 20% Nebulized Inhaled Medications when purchased through a retail pharmacy Part D home infusion drugs as part of a No No bundled service Part D - Prescription Drugs Commercial Wrap Yes Yes Deductible $0 $0 Initial Coverage Unlimited $3,000 Tier 1: Preferred Generic (30 days) $2 $2 60 Day Preferred Generic $4 $4 90 Day Preferred Generic $6 $6 90 Day Preferred Generic (Mail Order) $4 $4 Long Term Pharmacy (31 days) $2 $2 Tier 2: Non-Preferred Generic (30 $8 $8 days) 60 Day Non-Preferred Generic $16 $16 90 Day Non-Preferred Generic $24 $24 90 Day Non-Preferred Generic (Mail $16 $16 Order) Long Term Pharmacy (31 days) $8 $8 Tier 3: Preferred Brand (30 days) $35 $35 60 Day Preferred Brand $70 $70 90 Day Preferred Brand $ $ Day Preferred Brand (Mail Order) $87.50 $87.50 Long Term Pharmacy (31 days) $35 $35 Tier 4: Non-Preferred Brand (30 days) $55 $55 60 Non-Preferred Brand $110 $ Non-Preferred Brand $165 $ Non-Preferred Brand (Mail Order) $165 $165 Long Term Pharmacy (31 days) $55 $55 Tier 5: Specialty (30 days) 25% 25% Long Term Pharmacy (31 days) 25% 25% Generic through Gap (member pays) Yes Yes Brand through Gap (member pays) Yes Yes 14

15 BENEFITS Premier Plan Premier Plan Select Plan Select Plan In-Network Out-of-Network In-Network Out-of-Network Catastrophic Begins $4,700 $4,700 $4,700 $4,700 Catastrophic Coverage (Generic drugs) Greater of 5% or Greater of 5% or $2.65 Greater of 5% or $2.65 Greater of 5% or $2.65 Greater of 5% or $2.65 Catastrophic Coverage (Brand drugs) Greater of 5% or Greater of 5% or $6.60 Greater of 5% or $6.60 Greater of 5% or $6.60 Greater of 5% or $6.60 Dental Services (Comprehensive) $25 $55 $25 $55 Routine Eye Exam $0 $55 $0 $55 Vision Services $25 $55 $25 $55 Diagnosis and treatment of diseases and conditions of the eye Eyeglasses (lenses and frames) $20 $50 $20 $50 or contact lenses after cataract surgery Routine Hearing Exam $25 $55 $25 $55 Hearing Aids No No No No US Visitor/Travel Program No No No No 15

16 AARP ENROLLMENT INSTRUCTIONS - please read carefully! If you are currently enrolled with another vendor and are planning on choosing AARP Plan F and the Preferred Rx plan, you MUST enroll through the Benefits office to ensure that you are enrolled in the correct employer plan and eligible for the 35% subsidy. Please follow the steps below to enroll in AARP Preferred Rx and plan F Medical plans: 1. Complete a 2015 Open Enrollment Change form selecting AARP as your Medical and Prescription insurance carrier. 2. Complete and sign an AARP Enrollment Authorization form (included in this booklet). 3. Submit the 2015 Open Enrollment form, the AARP Enrollment Authorization form, and a copy of your Medicare card to the HR Service Center by November 5, Upon receipt of your welcome packets from AARP, complete BOTH enrollment kits (Medicare and Rx plans) and return them to AARP. 5. Upon receipt of your AARP Medicare and Preferred Rx cards, please submit a copy to the HR Service Center as proof of coverage under their plans. IMPORTANT INFORMATION-please read carefully! You must complete and return your enrollment kits to AARP for both the AARP Medicare plan and the Preferred Rx plan by December 7, 2014, at the close of Medicare Open Enrollment. Please note: AARP will not be able to process any enrollments after that date per CMS regulations. If you fail to complete enrollments in both plans by that date, you could risk cancellation of your benefits with no opportunity for reinstatement. It is imperative that you follow the instructions in the AARP welcome kits and return all requested forms to AARP within 2-3 days of receipt. Your enrollment status is not final until all enrollment forms are returned and processed by AARP. Failure to do so could result in a loss of coverage and inability to enroll in AARP during your annual Open Enrollment period. If you enroll directly with AARP without coordinating your enrollment through the benefits office, you risk having duplicate coverage, as AARP will not notify the Benefits Office of your enrollment, and may not enroll you in the correct plan. As a result, your current coverage will remain in place and you will be responsible for premiums under your current plan in addition to any premium charged by AARP. IMPORTANT: The AARP Plan F Medicare Supplement and the AARP Preferred prescription plans are the only plans that subsidizes at 35%. You must enroll in both plans to be considered covered under Healthcare benefits as a retiree. The AARP Plan F and Preferred Rx plans are available for in-state (NM) and out-of-state retirees. 16

17 AARP ENROLLMENT AUTHORIZATION FORM Name (please print) Banner ID/SS# Date of Birth / / Relationship to Retiree: SELF / DEPENDENT (Select one) If DEPENDENT is selected, please provide full name of Retiree carrying coverage: Retiree Name BANNER ID/SS# I have elected AARP as my -subsidized Medicare plan provider. I understand that by completing this form, I have read and agree to the terms below: I am currently enrolled in Part B of original Medicare. My part B is effective / /. A copy of my Medicare card showing Part A and B is attached. (REQUIRED) My enrollment in part B of Medicare IS / IS NOT (Select One) due to a disability. NOTE: not all U.S. states will honor disability enrollments in AARP. Upon receiving my AARP enrollment kit(s), I agree to complete the forms and return them to AARP as soon as possible. Failure to do may result in duplicate coverage, a lapse in coverage, or having to pay double premiums until I am enrolled in BOTH AARP plans. NOTE: I understand that I am not considered covered under the plan unless I am enrolled in both the Medical and Prescription plan through AARP. The University of New Mexico is not obligated to refund premiums to me if I fail to enroll in AARP Medical AND Prescription plans in a timely fashion. Upon receipt of my AARP Medical and Prescription enrollment cards, I will send a copy of the cards to Human Resources (address below). NOTE: A copy of my enrollment cards is needed to authorize any needed changes on my Bursar s account. I understand that no changes can or will be made until I provide this information. I will be billed directly by AARP for my portion of the premiums for my medical and prescription coverage only. If I have other -subsidized benefits (dental, life insurance), I will continue to be billed monthly for my portion of the premiums through the Bursar s office. Please have AARP mail my enrollment kit(s) to the following address: Mailing Address City, State Zip code I agree to the above terms and authorize the Retirement Services division to order my enrollments from AARP. Retiree / Dependent Signature Date 17

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20 Medicare Plan Rate Sheet Effective January 1, 2015 June 30, Single 65+ Double 65+ Dependent of Pre-65 Retiree* 65+ Widow Plan Description % of Retiree Contribution 65% 65% 45% 100% Lovelace Standard Medicare Plan** $ $ $ $ Lovelace Enhanced Medicare Plan** $ $ $ $ Standard Medicare Plan $ $ $ $ Premiere Medicare Plan $ $ $ $ AARP Plan "F" Medicare Plan AARP "Preferred" Prescription plan Retiree must enroll in both plans-call for rate quotes based on your home address Delta Dental-Preferred $ $ $ 8.10 $ Delta Dental-Premier $ $ $ $ *Based on 35k retirement salary **Lovelace Standard and Enhanced Plans are administered by BlueCross BlueShield of New Mexico Please note: 65+ retirees pay 65% toward the total cost of premiums until July 1, At that point, the percentage of contribution increases to 70%. 65+ retiree dependents of Pre-65 retirees pay 45% toward the total cost of premiums until July 1, As of July 1, 2015, they will pay 50% of total premiums on their Medicare plan coverage. widows pay 100% towards the cost of premiums effective one year from the date of the retiree s death. cannot provide rate quotes on AARP coverage through the Plan F or Preferred plans, since the rates on based on your individual age and location within the United States. You must contact AARP for a rate quote. If you chose to enroll in their plan, you MUST coordinate your enrollment with the Human Resources office. 20