MINNESOTA SERVICE COOPERATIVES. Model Collective Bargaining Language. For Adoption of Group Medicare Supplemental Insurance

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "MINNESOTA SERVICE COOPERATIVES. Model Collective Bargaining Language. For Adoption of Group Medicare Supplemental Insurance"

Transcription

1 MINNESOTA SERVICE COOPERATIVES Model Collective Bargaining Language For Adoption of Group Medicare Supplemental Insurance Instructions. The model collective bargaining language that follows addresses the implementation of employer-sponsored group Medicare supplemental insurance coverage for hospital, medical and prescription drug programs. Disclaimer. Model language may not be appropriate for every situation, and employers and unions should make their own determination as to the suitability of model language for their purposes. This model language is for discussion purposes only. It is not intended as legal or tax advice, and may not be relied upon as such. Legal review of these arrangements is recommended. Ground Rules Medicare Secondary Payer Rules. The Medicare Secondary Payer rules generally provide that employers may not offer Medicare supplemental insurance to individuals in current employment status or their dependents, even if those individuals or their dependents are eligible for Medicare because of age or disability. Except as provided below, these employers may only offer Medicare Supplemental Insurance to former employees and their dependents who are eligible because of age or disability. Exception for employers with fewer than 100 employees. If an employer had fewer than 100 employees, whether full-time or part-time, on at least 50% of its regular business days during the previous calendar year, Medicare supplemental insurance may be offered to active employees and dependents who are entitled to Medicare because they are disabled. Active employees would rarely if ever be entitled to Medicare because of disability, but a significant number of active employees may have disabled dependents that are eligible for Medicare. These family members could enroll in employersponsored Medicare Supplemental Insurance, and if they are the employee s only dependent, the active employee could then move from family to single coverage. Depending on the arrangement, this could result in cost savings to the employee while reducing the cost to the group health plan (by making Medicare primary). Exception for employers with fewer than 20 employees. If an employer does not have 20 or more employees for each working day in at least 20 weeks in either the current or previous calendar year, Medicare supplemental insurance may be offered to active employees and dependents who are entitled to Medicare because they have attained age 65. The 20-employee test must be run at the time the individual receives medical services for which Medicare benefits are paid, which requires constant monitoring by employers that have workforces close to the threshold. This is a risky proposition and not

2 recommended for groups near the edge of the 20-employee limit. End-Stage Renal Disease (ESRD). Employees and former employees with ESRD (kidney failure) cannot be offered Medicare Supplemental Insurance during the first 30 months of Medicare eligibility, unless the employee was already entitled to Medicare due to age or disability at the time they became eligible for ESRD-based Medicare. Minnesota Law. Minnesota law generally provides that governmental units must allow a former employee and the employee's dependents to continue to participate indefinitely in the same employer-sponsored hospital, medical, and dental insurance group that the employee participated in immediately before retirement. Presumably, then, a former employee may voluntarily choose alternative coverage for the employee and his or her dependents. Because the employer-sponsored Medicare Supplemental Insurance provides excellent coverage at a lower cost (due to the federal subsidy), it may make sense for individuals to select this option for themselves and their beneficiaries notwithstanding any right to remain on the employer s plan. Once a former employee turns 65, the former employee need not be pooled in the same group as active employees for purposes of establishing premiums and coverage. The model language includes options for offering Medicare Supplemental Insurance as the exclusive employer-sponsored group coverage for individuals who attain age 65. Objective. The reason for offering employer-sponsored group Medicare supplemental insurance is to maximize the value of federal Medicare subsidies to the extent permitted by law. Because older individuals incur significantly higher medical costs, this shifts the burden of retiree coverage from local taxpayers to the federal government. It also reduces claims under the plan that will lead to the higher premiums. Depending upon employer subsidies, if any, the cost of Medicare supplemental insurance to former employees is generally much less than the cost of remaining on the employer s plan. Provided that the level of coverage is satisfactory to individuals and unions, it makes sense to maximized opportunities to encourage voluntary adoption of the Medicare supplemental insurance coverage, and to require that former employees and their dependents enroll in such coverage upon attaining age 65. MODEL LANGUAGE ARTICLE 1. Employer-Sponsored Group Medicare Supplemental Insurance for Employees and Dependents. Section 1. Coverage and Effective Date. Effective [insert effective date] (the Effective Date ), Employer shall make available one or more group Medicare supplemental health insurance policies for hospital, medical and prescription drug coverage ( Medicare Supplemental Insurance). The Medicare Supplemental Insurance is described in Attachment 1.

3 Section 2. Eligibility. Medicare Supplemental Insurance is only available to former employees and dependents of former employees if the former employee or dependent is (1) eligible for and enrolled in Medicare (including Parts A, B, and D, as may be required by the terms of the supplemental coverage selected by the individual) and is (2) entitled under Minnesota law to continue indefinitely in employer-sponsored group health insurance. For this purpose, a dependent has the same meaning as under the Employer s group health plan for active employees, and a former employee may receive dependent coverage only if the employee received dependent coverage immediately before leaving employment. Comment: Minn. Stat. Sec , Subd. 2 provides that in order to be eligible to continue indefinitely in employer-sponsored group health coverage, the former employee must be receiving a disability benefit or an annuity from a Minnesota public pension plan other than a volunteer firefighter plan, or must have met age and service requirements necessary to receive an annuity from such a plan. In addition, such former employees and dependents (hereafter, Eligible Individuals ) must fall within one or more of the classifications described below. Subd. 1. Voluntary Coverage. The following Eligible Individuals may voluntarily elect coverage under a Medicare Supplement policy in lieu of other coverage available through the Employer [choose one or more]: (1) Former employees who have not yet attained age 65, but who are entitled to Medicare because of disability; (2) Dependents of former employees [option if less than 100 employees: and active employees ] who are entitled to Medicare because of disability; (3) Dependents of former employees [option if less than 20 employees: and active employees ] who are eligible to enroll in Medicare because they have attained age 65; (4) Former employees [option if less than 20 employees: and active employees ] who have attained age 65 or older. Comment: Under Minnesota law, it may be possible to limit coverage for former employees who have attained age 65 or older to Medicare Supplemental Coverage. These options are set forth in Subd. 2 below, entitled Exclusive Coverage Available to Former Employees and Dependents age 65 or older. When drafting collective bargaining language, care should be taken to ensure that the voluntary coverage and exclusive coverage provisions are consistent. Not also that if a former employee elects Medicare Supplemental Insurance, the former employee s dependents may elect to continue coverage under the Employer s group health plan or if eligible for Medicare, elect Medicare Supplemental Insurance.

4 Sudb. 2. Exclusive Coverage Available for Former Employees and Dependents age 65 or older. The Medicare Supplemental Insurance described herein is the sole and exclusive coverage option provided by the Employer for the following individuals [choose one or more]: (1) Former employees [option if less than 20 employees: and active employees ] who have attained age 65 or older; and (2) Dependents of former employees [option if less than 20 employees: and active employees ] when both the dependent and the former employee are age 65 or older [Option if less than 100 employees: (3) Dependents of former and active employees who entitled to Medicare because of disability. ] Legal argument for limiting coverage to Medicare Supplemental Insurance at age 65. The Medicare Secondary Payer rules permit an employer to offer Medicare Supplemental Insurance to former employees who have attained age 65 and older as the exclusive form or retiree coverage (generally, federal law does not require employers to offer any form of retiree coverage). Employers with less than 20 employees may offer the same benefit to active employees age 65 or older (and eliminate other group coverage for this group). These rules may not apply, however, to employees who are Medicare-eligible because of ESRD. Minn. Stat. Sec , subd. 2b only requires that former employees be pooled with the active employees until age 65. Upon attaining age 65, the employer must continue to offer a group health option, but it does not have to be the same option made available to active employees. As the Minnesota Attorney General has noted, the reference to age 65 in subd. 2b above leads to the conclusion that, while retired employees may participate indefinitely in an employersponsored group plan, the premium and level of coverage provided to retired employees 65 years of age and over may differ from that provided to then-active employees. Minn. Op. Atty. Gen , 1998 WL There is no Minnesota statutory or regulatory guidance on whether an employer-sponsored Medicare supplemental insurance plan is the same as an employersponsored group plan. But a large body of federal law supports such a conclusion. Finally, the United States Supreme Court recently let stand a decision by the lower courts which allows employers to offer different coverage to retirees who attain age 65 without violating the Age Discrimination in Employment Act. From a legal perspective, therefore, it appears that an employer may meet its obligation to allow certain eligible former employees to remain on its group plan indefinitely even if it limits coverage after age 65 to Medicare Supplemental Insurance. Subd. 3. End-Stage Renal Disease (ESRD). Notwithstanding the forgoing, individuals with ESRD shall not be eligible for Medicare Supplemental Insurance during the first 30 months of the individual s ESRD-based Medicare eligibility or entitlement, unless the individual was entitled to Medicare due to age or disability on a primary basis at the time he or she becomes eligible for ESRD-based Medicare.

5 Section 3. Contributions. [Option 1: no employer contributions]. Eligible Individuals shall pay 100% of the cost of coverage under the Employer s Medicare Supplemental Insurance. Premiums are subject to change on an annual basis. The Employer may discontinue coverage if an Eligible Individual fails to pay the premium when due. In no event shall the Employer be responsible for the payment of any penalty or increased premiums as a result of an employee s late enrollment in Medicare. [Option 2: Employer contributions]. The Employer shall contribute an amount not to exceed the following for certain Eligible Individuals: (1) Not more than $ towards the monthly premium cost of Medicare Supplemental Insurance for former employees who have not yet attained age 65, but who are entitled to Medicare because of disability; (2) Not more than $ towards the monthly premium cost of Medicare Supplemental Insurance for dependents of former employees [option if less than 100 employees: and active employees ] who are entitled to Medicare because of disability; (3) Not more than $ towards the monthly premium cost of Medicare Supplemental Insurance for dependents of former employees [option if less than 20 employees: and active employees ] who are eligible to enroll in Medicare because they have attained age 65; (4) Not more than $ towards the monthly premium cost of Medicare Supplemental Insurance for former employees [option if less than 20 employees: and active employees ] who have attained age 65 or older]. Comment. Employers may wish to make contributions towards the Medicare Supplemental Insurance to encourage Eligible Individuals to enroll in these programs. Section 4. No Vested Rights. The benefits described herein will be provided during the term of this collective bargaining agreement ( Agreement ). In no event shall this Agreement provide any individual with vested rights to benefits, rights or features under the Employer s group health plan or Medicare Supplemental Insurance, nor shall employees who retiree during the term of this agreement be provided any such vested rights. Nothing in this Agreement requires the Employer to maintain a group health plan or a Medicare Supplemental Insurance beyond the term of hereof. If and to the extent that future agreements provide for group health coverage, these agreements may result in changes to the Employer s group health plan and Medicare Supplemental Insurance, including but not limited to changes in required contributions, covered procedures, available providers, deductibles, co-pays, or co-insurance. No modification of the terms of this Agreement shall be effective unless it is in writing and signed on behalf of the Employer and the Union. No oral representation concerning the interpretation or effect of this Agreement shall be effective to amend the Agreement. Employer shall not be bound to provide any benefit deemed not to comply with state or federal law.

Health Reimbursement Arrangement (HRA).

Health Reimbursement Arrangement (HRA). Retiree benefits 1 Retiree benefits Health Reimbursement Arrangement (HRA). Benefits for Union Pacific s Medicare-eligible retirees and their Medicare- eligible spouses and/or dependents. 2 Union pacific

More information

HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT GUARANTEED ISSUE GUIDE

HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT GUARANTEED ISSUE GUIDE HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT GUARANTEED ISSUE GUIDE Dear Potential Member: If you have recently become eligible for Medicare, or lost or ended your health care coverage

More information

HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT GUARANTEED ISSUE GUIDE

HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT GUARANTEED ISSUE GUIDE HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT GUARANTEED ISSUE GUIDE Dear Potential Member: If you have recently become eligible for Medicare, or lost or ended your health care coverage

More information

RETIREE BENEFITS Health Reimbursement Arrangement (HRA).

RETIREE BENEFITS Health Reimbursement Arrangement (HRA). RETIREE BENEFITS 1 RETIREE BENEFITS Health Reimbursement Arrangement (HRA). Benefits for Union Pacific s Medicare-eligible retirees and their Medicare- eligible spouses and/or dependents. 2 UNION PACIFIC

More information

HEALTH NET LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT GUARANTEE ISSUE GUIDE

HEALTH NET LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT GUARANTEE ISSUE GUIDE HEALTH NET LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT GUARANTEE ISSUE GUIDE Dear Potential Member: If you have recently become eligible for Medicare, or lost or ended your healthcare coverage with another

More information

DHA Version - April 2005

DHA Version - April 2005 TITLE 32 NATIONAL DEFENSE CIVILIAN HEALTH AND MEDICAL PROGRAM OF THE UNIFORMED SERVICES (CHAMPUS) PART 199.8 - DOUBLE COVERAGE (a) Introduction. (1) In enacting TRICARE legislation, Congress clearly has

More information

Important Notice from BAC International Health Fund (IHF) About Your Prescription Drug Coverage and Medicare

Important Notice from BAC International Health Fund (IHF) About Your Prescription Drug Coverage and Medicare Important Notice from BAC International Health Fund (IHF) About Your Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it. This notice has information

More information

Employer Obligations to Disclose Creditable Status of Prescription Drug Coverage to Certain Enrollees and to CMS under Medicare Part D Rules

Employer Obligations to Disclose Creditable Status of Prescription Drug Coverage to Certain Enrollees and to CMS under Medicare Part D Rules Legislative Alert November 7, 2014 Employer Obligations to Disclose Creditable Status of Prescription Drug Coverage to Certain Enrollees and to CMS under Medicare Part D Rules Most sponsors of plans with

More information

www.booneinsuranceassociates.com Copyright by BIA 1 MEDICARE MADE SIMPLE BIA 1/14/2016 Boone Insurance Associates Education Guide: New

www.booneinsuranceassociates.com Copyright by BIA 1 MEDICARE MADE SIMPLE BIA 1/14/2016 Boone Insurance Associates Education Guide: New www.booneinsuranceassociates.com Copyright by 1 MEDICARE MADE SIMPLE Boone Insurance Associates Education Guide: New Today s Agenda 2 About Introduction & History of Medicare Medicare Parts A, B, C, D

More information

Agenda. Medicare Basics Parts of Medicare What is a Medicare Advantage Plan? How do Medicare Advantage Plans work?

Agenda. Medicare Basics Parts of Medicare What is a Medicare Advantage Plan? How do Medicare Advantage Plans work? Agenda Medicare Basics Parts of Medicare What is a Medicare Advantage Plan? How do Medicare Advantage Plans work? Cost sharing, networks and eligibility MCHCP and Medicare Advantage Advantage? What is

More information

Let us help! WELCOME TO MEDICARE GUIDE. This brochure will help you understand the type of Medicare coverage that you need.

Let us help! WELCOME TO MEDICARE GUIDE. This brochure will help you understand the type of Medicare coverage that you need. WELCOME TO MEDICARE GUIDE Let us help! This brochure will help you understand the type of Medicare coverage that you need. Learn about the different parts of Medicare Decide how you want to receive your

More information

Continuation of. Health Insurance Benefits

Continuation of. Health Insurance Benefits Continuation of Health Insurance Benefits 1 Consolidated Omnibus Budget Reconciliation Act (COBRA) Coverage may be continued for up to 18 months through COBRA for the same or reduced coverage You will

More information

Webinar Title Q&A the following questions were asked during the two

Webinar Title Q&A the following questions were asked during the two Webinar Title Q&A the following questions were asked during the two Medicare Entitlement Issues webinar sessions in February 2015 I cannot find any information outside of EBC materials regarding the Part

More information

Health Care Reform: Major Provisions and Bargaining Strategies for Retirees

Health Care Reform: Major Provisions and Bargaining Strategies for Retirees Health Care Reform: Major Provisions and Bargaining Strategies for Retirees MEDICARE Summary of Benefit: Medicare is the federal government s healthcare program for the elderly and certain disabled individuals.

More information

United Nations Insurance and Disbursement Service, FF-300, 304 East 45 th St. New York, NY 10017 Tel: (212)963-5813 EMAIL: ashi@un.

United Nations Insurance and Disbursement Service, FF-300, 304 East 45 th St. New York, NY 10017 Tel: (212)963-5813 EMAIL: ashi@un. Section I: Eligibility & enrolment MEDICARE FAQS 1. Q: Am I eligible for Medicare? A: You are eligible for free Medicare Part A (hospitalization) if you contributed to Social Security for 40 quarters (ten

More information

COBRA Common Questions: Definitions

COBRA Common Questions: Definitions Brought to you by Taylor Insurance Services COBRA Common Questions: Definitions What is COBRA? COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA is a federal statute

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

Health Insurance Information for Retirees 2012

Health Insurance Information for Retirees 2012 Health Insurance Information for Retirees 2012 GROUP MEDICAL INSURANCE AFTER RETIREMENT Continuation Eligibility If you qualify under the State of Tennessee s Insurance Committee rules, you may continue

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

HHS Final Rule on Transitional Reinsurance Fee Adds to Employer Costs

HHS Final Rule on Transitional Reinsurance Fee Adds to Employer Costs HHS Final Rule on Transitional Reinsurance Fee Adds to Employer Costs March 2013 A transitional reinsurance fee is being added to the penalties and taxes imposed on employers and their fully insured and

More information

Medicare & Senior Advantage Guide for Retiring Physicians

Medicare & Senior Advantage Guide for Retiring Physicians Medicare & Senior Advantage Guide for Retiring Physicians Medicare Basics Medicare is a federal health insurance program that pays for hospital and medical care for: Individuals who are age 65 or older

More information

DEERFIELD COMMUNITY CODE: 671.3 SCHOOL DISTRICT DATE OF ADOPTION: 06-16-97

DEERFIELD COMMUNITY CODE: 671.3 SCHOOL DISTRICT DATE OF ADOPTION: 06-16-97 DEERFIELD COMMUNITY CODE: 671.3 SCHOOL DISTRICT DATE OF ADOPTION: 06-16-97 TAX SHELTERED ANNUITY PROGRAM Attached is the district s policy and supporting materials regarding Tax Sheltered Annuities. ADMINISTRATIVE

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

Medicare Benefits. As of 2012, approximately 50 million people were Medicare beneficiaries.

Medicare Benefits. As of 2012, approximately 50 million people were Medicare beneficiaries. Medicare Benefits Medicare is the federal health insurance program for people age 65 and older, and those of all ages with certain disabilities, End-Stage Renal Disease (ESRD), or Lou Gehrig s disease

More information

John R. Kasich, Governor Mary Taylor, Lt. Governor/Director. Medicare Supplement Vs. Medicare Advantage

John R. Kasich, Governor Mary Taylor, Lt. Governor/Director. Medicare Supplement Vs. Medicare Advantage John R. Kasich, Governor Mary Taylor, Lt. Governor/Director Medicare Supplement Vs. Medicare Advantage Medicare Supplement vs Medicare Advantage? Option 1 Option 2 Original Medicare Part A and Part B +

More information

Medicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D),

Medicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D), Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether

More information

COORDINATION OF BENEFITS MODEL REGULATION

COORDINATION OF BENEFITS MODEL REGULATION Table of Contents Model Regulation Service October 2013 Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section 10. Appendix A. Appendix B. Section 1.

More information

SUBCHAPTER T. MINIMUM STANDARDS FOR MEDICARE SUPPLEMENT POLICIES 28 TAC 3.3312

SUBCHAPTER T. MINIMUM STANDARDS FOR MEDICARE SUPPLEMENT POLICIES 28 TAC 3.3312 Part I. Texas Department of Insurance Page 1 of 17 SUBCHAPTER T. MINIMUM STANDARDS FOR MEDICARE SUPPLEMENT POLICIES 28 TAC 3.3312 1. INTRODUCTION. The Texas Department of Insurance proposes amendments

More information

SUMMARY PLAN DESCRIPTION RETIREE PARTICIPATION IN BENEFIT PLANS

SUMMARY PLAN DESCRIPTION RETIREE PARTICIPATION IN BENEFIT PLANS SUMMARY PLAN DESCRIPTION RETIREE PARTICIPATION IN BENEFIT PLANS Employees who have benefits through Lee County may participate in the following upon retirement: Health, dental, life (limited), and vision.

More information

Supplementing Medicare: Your Rights to Purchase a Medigap Policy

Supplementing Medicare: Your Rights to Purchase a Medigap Policy FACT SHEET Supplementing Medicare: Your Rights to Purchase a Medigap Policy (B-005) p. 1 of 5 Supplementing Medicare: Your Rights to Purchase a Medigap Policy This fact sheet describes your rights to purchase

More information

Selected Employer Provisions in the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010

Selected Employer Provisions in the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 Selected Employer Provisions in the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 This chart outlines, in depth, selected provisions in the Patient

More information

We send this notice to all employees and retirees so everyone who needs this information receives it.

We send this notice to all employees and retirees so everyone who needs this information receives it. October 1, 2013 Dear Colleague, Enclosed is your annual Medicare Part D Notice of Creditable Coverage. THIS NOTICE IS BASED UPON THE AMERICAN AIRLINES HEALTH COVERAGE YOU HAVE AS OF OCTOBER, 2013. You

More information

Group Medicare Plans Underwriting Guidelines

Group Medicare Plans Underwriting Guidelines Group Medicare Plans Underwriting Guidelines Independence Blue Cross Underwriting Department This document is for informational purposes only and is not intended to be comprehensive. Independence Blue

More information

RESOLUTION NO. 4088 NOW, THEREFORE, BE IT RESOLVED BY THE GOVERNING BODY OF THE CITY OF OVERLAND PARK, KANSAS: SECTION 1.

RESOLUTION NO. 4088 NOW, THEREFORE, BE IT RESOLVED BY THE GOVERNING BODY OF THE CITY OF OVERLAND PARK, KANSAS: SECTION 1. RESOLUTION NO. 4088 A RESOLUTION ESTABLISHING GROUP HEALTH, DENTAL, AND LONG TERM CARE BENEFITS FOR RETIRED FORMER EMPLOYEES, FORMER GOVERNING BODY MEMBERS AND ELIGIBLE DEPENDENTS AND RESCINDING RESOLUTION

More information

An Employer s Guide to Group Health Continuation Coverage Under COBRA

An Employer s Guide to Group Health Continuation Coverage Under COBRA An Employer s Guide to Group Health Continuation Coverage Under COBRA The Consolidated Omnibus Reconciliation Act of 1986 U.S. Department of Labor Employee Benefits Security Administration This publication

More information

Member Fact Sheet Medicare Secondary Payer Small Employer Exception

Member Fact Sheet Medicare Secondary Payer Small Employer Exception Member Fact Sheet Medicare Secondary Payer Small Employer Exception The Episcopal Church Medical Trust (Medical Trust) is providing eligible employers with the option to apply for the Medicare Secondary

More information

Welcome to Medicare! Module 1A

Welcome to Medicare! Module 1A Welcome to Medicare! Module 1A Welcome to Medicare Introduction to Medicare Original Medicare Plan Medicare Supplement Insurance (Medigap) Medicare Advantage and other Medicare plans Medicare prescription

More information

SUBCHAPTER T. MINIMUM STANDARDS FOR MEDICARE SUPPLEMENT POLICIES 28 TAC 3.3312

SUBCHAPTER T. MINIMUM STANDARDS FOR MEDICARE SUPPLEMENT POLICIES 28 TAC 3.3312 Part I. Texas Department of Insurance Page 1 of 17 SUBCHAPTER T. MINIMUM STANDARDS FOR MEDICARE SUPPLEMENT POLICIES 28 TAC 3.3312 1. INTRODUCTION. The Texas Department of Insurance adopts amendments to

More information

Medicare Secondary Payer Overview. For Multiple Employer Group Health Plans and their Participating Employers

Medicare Secondary Payer Overview. For Multiple Employer Group Health Plans and their Participating Employers Secondary Payer Overview For Multiple Employer Group Health Plans and their Participating Employers Welcome As a multiple employer group health plan or an employer participating therein, you must comply

More information

& Medicare NYSHIP. January 2014. New York State Department of Civil Service, Employee Benefits Division

& Medicare NYSHIP. January 2014. New York State Department of Civil Service, Employee Benefits Division January 2014 & 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

Employer Reporting of Health Coverage Code Sections 6055 & 6056

Employer Reporting of Health Coverage Code Sections 6055 & 6056 Brought to you by Hickok & Boardman HR Intelligence Employer Reporting of Health Coverage Code Sections 6055 & 6056 The Affordable Care Act (ACA) created new reporting requirements under Internal Revenue

More information

What s News in Tax Analysis That Matters from Washington National Tax

What s News in Tax Analysis That Matters from Washington National Tax What s News in Tax Analysis That Matters from Washington National Tax IRS Issues Final Regulations Concerning Reporting of Health Care Coverage by Plan Sponsors and Health Insurers Employers are required

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

THIS NOTICE IS BASED UPON THE AMERICAN AIRLINES RETIREE HEALTH COVERAGE (OR TWA RETIREE HEALTH COVERAGE) YOU HAVE AS OF OCTOBER,

THIS NOTICE IS BASED UPON THE AMERICAN AIRLINES RETIREE HEALTH COVERAGE (OR TWA RETIREE HEALTH COVERAGE) YOU HAVE AS OF OCTOBER, October 1, 2013 Dear Colleague, Enclosed is your annual Medicare Part D Notice of Creditable Coverage. THIS NOTICE IS BASED UPON THE AMERICAN AIRLINES RETIREE HEALTH COVERAGE (OR TWA RETIREE HEALTH COVERAGE)

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

Click this button to place your order.

Click this button to place your order. Medicare 33rd Edition 2016 What you need to know about Medicare in simple, practical terms. Click this button to place your order. 2016 MEDICARE CONTENTS 1 2 3 4 5 6 Published By PAGE INTRODUCTION Are

More information

Briefing Paper. Cape Cod Municipal Health Group

Briefing Paper. Cape Cod Municipal Health Group Briefing Paper for the Cape Cod Municipal Health Group Parts of Medicare Medicare Supplement Plans Medicare Advantage Plans Medicare Part D Plans, Employer Group Waiver Plans (EGWPs) Medicare Secondary

More information

LCRA Frequently Asked Questions: Medicare Health Plans and Retiree Reimbursement Accounts (RRAs)

LCRA Frequently Asked Questions: Medicare Health Plans and Retiree Reimbursement Accounts (RRAs) LCRA Frequently Asked Questions: Medicare Health Plans and Retiree Reimbursement Accounts (RRAs) Medicare Health and Prescription Drug Plans 1. Q: Do I have to enroll in Medicare Part A and Part B? A:

More information

Supplementing Medicare: Your Rights to Purchase a Medigap Policy

Supplementing Medicare: Your Rights to Purchase a Medigap Policy FACT SHEET Supplementing Medicare: Your Rights to Purchase a Medigap Policy (B-005) p. 1 of 6 Supplementing Medicare: Your Rights to Purchase a Medigap Policy This fact sheet describes your rights to purchase

More information

New Rules for Health Reimbursement Accounts under the ACA League of Minnesota Cities

New Rules for Health Reimbursement Accounts under the ACA League of Minnesota Cities New Rules for Health Reimbursement Accounts under the ACA League of Minnesota Cities Some cities currently offer stand-alone Health Reimbursement Accounts (HRAs) to employees. In some cases, these accounts

More information

Gwinnett Retirement System. Employee Handbook

Gwinnett Retirement System. Employee Handbook Gwinnett Retirement System Employee Handbook A Summary of GRS Plan Benefits Gwinnett County Public Schools 437 Old Peachtree Road, NW Suwanee, GA 30024-2978 www.gwinnett.k12.ga.us/grs Gwinnett County Public

More information

Medicare and People with Disabilities: An Overview

Medicare and People with Disabilities: An Overview FACT SHEET Medicare and People with Disabilities: An Overview (I-001) p. 1 of 5 Medicare and People with Disabilities: An Overview This fact sheet provides basic information on Medicare for people with

More information

Getting Started with Medicare

Getting Started with Medicare Getting Started with Medicare Advanced Medicare Training Medicare Made Clear Brought to you by UnitedHealthcare This Medicare Counselor Training program was developed under a grant from UnitedHealthcare

More information

CHAPTER 2016-194. Committee Substitute for Committee Substitute for Senate Bill No. 1170

CHAPTER 2016-194. Committee Substitute for Committee Substitute for Senate Bill No. 1170 CHAPTER 2016-194 Committee Substitute for Committee Substitute for Senate Bill No. 1170 An act relating to health plan regulatory administration; amending s. 112.08, F.S.; authorizing local governmental

More information

Ohio s Oral Anticancer Treatment Access Law: What Clinicians Need to Know

Ohio s Oral Anticancer Treatment Access Law: What Clinicians Need to Know Outdated coverage policies in Ohio USED TO limit cancer patients access to life-saving drugs! Traditionally, IV chemotherapy treatments are covered under a health plan s medical benefit where the patient

More information

Medicare Part D Notices are due by October 14th

Medicare Part D Notices are due by October 14th 3rd Quarter 2016 Medicare Part D Notices are due by October 14th Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D whether the

More information

Employee Group Insurance Benefit Handbook

Employee Group Insurance Benefit Handbook Employee Group Insurance Benefit Handbook Rev. 2/24/15 General Information The State Personnel Department Benefits Division is responsible for employee statewide benefit programs including health, dental,

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

BENEFITS ELIGIBILITY

BENEFITS ELIGIBILITY BENEFITS ELIGIBILITY ITEM WHEN ELIGIBLE WHO IS ELIGIBLE DESCRIPTION Health and Dental Only Insurance Choice of health plans and access to high quality providers. Each plan offers health, dental, prescription

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

Medicare Factsheet. September 2, 2015 Page 1 of 6

Medicare Factsheet. September 2, 2015 Page 1 of 6 Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether

More information

POLICY OF DISTRICT ON TAX SHELTER ANNUITY OPERATION

POLICY OF DISTRICT ON TAX SHELTER ANNUITY OPERATION 3013 POLICY OF DISTRICT ON TAX SHELTER ANNUITY OPERATION ESTABLISHMENT OF PROGRAM The Merton Community School District (the District ) sponsors a Tax Sheltered annuity Program ( Program ) intended to quality

More information

Medicare, VA Health Benefits and TRICARE: What You Need to Know

Medicare, VA Health Benefits and TRICARE: What You Need to Know Medicare, VA Health Benefits and TRICARE: What You Need to Know MMW Coalition Webinar July 31, 2015 AgeOptions 2015. All rights reserved. Who We Are: MMW Leadership AgeOptions Area Agency on Aging (AAA)

More information

Senate Bill No. 2 CHAPTER 673

Senate Bill No. 2 CHAPTER 673 Senate Bill No. 2 CHAPTER 673 An act to amend Section 6254 of the Government Code, to add Article 3.11 (commencing with Section 1357.20) to Chapter 2.2 of Division 2 of the Health and Safety Code, to add

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

Affordable Care Act (ACA) Health Insurance Exchanges and Medicaid Expansion

Affordable Care Act (ACA) Health Insurance Exchanges and Medicaid Expansion Affordable Care Act (ACA) Health Insurance Exchanges and Medicaid Expansion Table of Contents Expanded Coverage... 2 Health Insurance Exchanges... 3 Medicaid Expansion... 8 Novartis Pharmaceuticals Corporation

More information

Health Care Reform Checklist: Provisions, Obstacles and Solutions

Health Care Reform Checklist: Provisions, Obstacles and Solutions Health Care Reform Checklist: Provisions, Obstacles and Solutions HEALTH CARE REFORM PROVISION: COVERAGE FOR CHILDREN UNTIL AGE 26 Summary of Benefit: Benefits are the same as those for other dependent

More information

Health Insurance Benefits in

Health Insurance Benefits in CSEA LEGAL DEPARTMENT Health Insurance Benefits in RETIREMENT Your Rights & Options Local 1000 AFSCME, AFL-CIO 143 Washington Avenue, Albany, New York 12210 Danny Donohue, President CSEA, Inc. I JUNE 2014

More information

Individual Health Savings Accounts

Individual Health Savings Accounts July 22, 2015 Individual Health Savings Accounts INITIAL CONSIDERATION By Ryan Frost Research and Policy Manager 360 586 2325 ryan.frost@leoff.wa.gov ISSUE STATEMENT There is a gap in healthcare coverage

More information

When You Have Other Medical Insurance

When You Have Other Medical Insurance Page 1 of 7 When You Have Other Medical Insurance Coordination of Benefits (COB) The COB provision applies to this Plan when a Covered Person has health care coverage under more than one health plan. All

More information

Medicare Enrollment Periods

Medicare Enrollment Periods FACT SHEET Medicare Enrollment Periods (A-008) p. 1 of 5 Medicare Enrollment Periods There are certain periods when you can join, change or drop the different parts of Medicare (A, B, C, and D). In other

More information

CHAPTER 354B INDIVIDUAL RETIREMENT ACCOUNT

CHAPTER 354B INDIVIDUAL RETIREMENT ACCOUNT 1 MINNESOTA STATUTES 2015 354B.20 CHAPTER 354B INDIVIDUAL RETIREMENT ACCOUNT 354B.20 DEFINITIONS. 354B.21 COVERAGE. 354B.22 IRAP COVERAGE IN ADDITION TO SOCIAL SECURITY COVERAGE. 354B.23 CONTRIBUTIONS.

More information

APPENDIX I MEMORANDUM OF UNDERSTANDING ON PROVISIONS OF HEALTH INSURANCE PLANS

APPENDIX I MEMORANDUM OF UNDERSTANDING ON PROVISIONS OF HEALTH INSURANCE PLANS APPENDIX I MEMORANDUM OF UNDERSTANDING ON PROVISIONS OF HEALTH INSURANCE PLANS 183 MEMORANDUM OF UNDERSTANDING BETWEEN FOOTHILL-DE ANZA COMMUNITY COLLEGE DISTRICT AND THE PARTICIPATING UNIONS OF THE JOINT

More information

Medicare and Employer-Based Coverage T he Basics

Medicare and Employer-Based Coverage T he Basics Medicare and Employer-Based Coverage T he Basics What is Medicare? A federal health insurance program Run by the Centers for Medicare and Medicaid Services (CMS) Benefit decisions controlled by the U.S.

More information

Health Savings Option with a Health Savings Account (HSA)

Health Savings Option with a Health Savings Account (HSA) Health Savings Option with a Health Savings Account (HSA) The Health Savings Option is a high deductible health insurance plan administered by United Medical Resources (UMR), a United Healthcare Company,

More information

2006 Choosing a Medigap Policy:

2006 Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2006 Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare This official government guide can help you Learn what a Medigap (Medicare

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 Drug Coverage under the MMA: Issues for Public Comment to Maximize Enhancement in Drug Coverage and Reductions in Drug Costs for Retirees

Retiree Drug Coverage under the MMA: Issues for Public Comment to Maximize Enhancement in Drug Coverage and Reductions in Drug Costs for Retirees Retiree Drug Coverage under the MMA: Issues for Public Comment to Maximize Enhancement in Drug Coverage and Reductions in Drug Costs for Retirees Discussion Paper: CMS Employer Open Door Forum I. Summary:

More information

Medicare 101. Marketplace & Medicaid Transitions. Janice Meinert Kyle Fisher kfisher@phlp.org March 2016

Medicare 101. Marketplace & Medicaid Transitions. Janice Meinert Kyle Fisher kfisher@phlp.org March 2016 Medicare 101 Marketplace & Medicaid Transitions Janice Meinert Kyle Fisher kfisher@phlp.org March 2016 Medicare Basics Topics Eligibility and Enrollment Original Medicare vs Medicare Advantage Transitions

More information

FAQs for Employees about COBRA Continuation Health Coverage

FAQs for Employees about COBRA Continuation Health Coverage FAQs for Employees about COBRA Continuation Health Coverage U.S. Department of Labor Employee Benefits Security Administration March 2011 Q1: What is COBRA continuation health coverage? Congress passed

More information

MEDICARE FACTS 2014 MEDICARE AND YOUR ALCATEL-LUCENT COVERAGE

MEDICARE FACTS 2014 MEDICARE AND YOUR ALCATEL-LUCENT COVERAGE MEDICARE FACTS 2014 MEDICARE AND YOUR ALCATEL-LUCENT COVERAGE Use this guide to learn more about Medicare and how it works with your Alcatel-Lucent medical and prescription drug coverage. For Formerly

More information

THE BON-TON DEPARTMENT STORES, INC. WELFARE AND FLEXIBLE BENEFITS PLAN SUMMARY PLAN DESCRIPTION

THE BON-TON DEPARTMENT STORES, INC. WELFARE AND FLEXIBLE BENEFITS PLAN SUMMARY PLAN DESCRIPTION THE BON-TON DEPARTMENT STORES, INC. WELFARE AND FLEXIBLE BENEFITS PLAN SUMMARY PLAN DESCRIPTION For Management Associates, Full-Time Associates, Regular Part- Time (B) Associates and Company Retirees As

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

Disability. Short-Term Disability benefits. Long-Term Disability benefits

Disability. Short-Term Disability benefits. Long-Term Disability benefits Your plan provides you with disability coverage that gives you and your family protection against some of the financial hardships that can occur if you become disabled or injured. The benefits include:

More information

ACA Impact on Health FSAs and HRAs Q&A the following questions were

ACA Impact on Health FSAs and HRAs Q&A the following questions were ACA Impact on Health FSAs and HRAs Q&A the following questions were asked during the two webinar sessions in (January, 2015) Do SBCs need to be provided to retirees who have a Retiree Only HRA? Yes Is

More information

S e c t i o n 4 - P S E R S P o s t e m p l o y m e n t H e a l t h c a r e P r o g r a m s

S e c t i o n 4 - P S E R S P o s t e m p l o y m e n t H e a l t h c a r e P r o g r a m s S e c t i o n 4 - P S E R S P o s t e m p l o y m e n t H e a l t h c a r e P r o g r a m s Health Options Program... Tab 17 Premium Assistance Program... Tab 18 This page intentionally left blank Pursuant

More information

Medicare Open Enrollment: What Steps Do Employers Need to Take? Presented by: Donna Dever and Greg Puig August 27, 2015

Medicare Open Enrollment: What Steps Do Employers Need to Take? Presented by: Donna Dever and Greg Puig August 27, 2015 Medicare Open Enrollment: What Steps Do Employers Need to Take? Presented by: Donna Dever and Greg Puig August 27, 2015 Introduction In this client clinic we will review: What is creditable coverage? What

More information

W-2 Reporting Bulletin

W-2 Reporting Bulletin The Affordable Care Act requires employers to report the cost of coverage under an employersponsored group health plan on the employees Form W-2. [If you provide additional benefits under any other employer-sponsored

More information

Your Guide To Retirement Benefits

Your Guide To Retirement Benefits Your Guide To Retirement Benefits TABLE OF CONTENTS About This Guide 1 Are You Ready For Retirement? 2 Calendar For Retirement 3 Amtrak Retirement Benefits Overview 4 Medical Benefits 5 Early Retiree Medical

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

OVERVIEW OF THE EMPLOYEES RETIREMENT SYSTEM OF TEXAS GROUP

OVERVIEW OF THE EMPLOYEES RETIREMENT SYSTEM OF TEXAS GROUP OVERVIEW OF THE EMPLOYEES RETIREMENT SYSTEM OF TEXAS GROUP BENEFITS PROGRAM Legislative Budget Board Staff Presented to House Appropriations Subcommittee on Articles I, IV, and V and House Pensions Committee

More information

Volume Ten, Issue Eight August 2007

Volume Ten, Issue Eight August 2007 Volume Ten, Issue Eight August 2007 In This Issue Coordination of Benefits Primer In this eighth issue of the McGraw Wentworth Benefit Advisor for 2007, we will discuss common coordination of benefit provisions

More information

IBM Medicare Coverage Overhaul

IBM Medicare Coverage Overhaul IBM Medicare Coverage Overhaul Current IBM coverage for medical, dental & vision care will be discontinued 12/31/2013 IBM subsidy will continue through Health Reimbursement Arrangement (HRA) Must work

More information

COBRA Frequently Asked Questions (for employers)

COBRA Frequently Asked Questions (for employers) COBRA Frequently Asked Questions (for employers) What is COBRA? COBRA stands for the Consolidated Omnibus Budget Reconciliation Act (COBRA). COBRA is a federal statute that requires employers to provide

More information

Medicare Secondary Payer Overview. For Employer Groups

Medicare Secondary Payer Overview. For Employer Groups Secondary Payer Overview For Employer Groups Welcome As an employer offering a group health plan, you must comply with the Secondary Payer (MSP) statute and regulations (the MSP laws). These laws establish

More information

State Of New Hampshire DIVISION OF PERSONNEL Department of Administrative Services State House Annex 28 School Street Concord, New Hampshire 03301

State Of New Hampshire DIVISION OF PERSONNEL Department of Administrative Services State House Annex 28 School Street Concord, New Hampshire 03301 State Of New Hampshire DIVISION OF PERSONNEL Department of Administrative Services State House Annex 28 School Street Concord, New Hampshire 03301 LINDA M. HODGDON Commissioner SARA J. WILLINGHAM Director

More information

The New Municipal Health Insurance Law: Final FY12 Budget Proposal (H. 3535 w/ Gov s Amendments in H. 3581)

The New Municipal Health Insurance Law: Final FY12 Budget Proposal (H. 3535 w/ Gov s Amendments in H. 3581) The New Municipal Health Insurance Law: Final FY12 Budget Proposal (H. 3535 w/ Gov s Amendments in H. 3581) Section Language Effect New Definitions SECTION 51 Chapter 32B of the General Laws is hereby

More information

The Next Steps for Strategic Planning in Light of the ACA

The Next Steps for Strategic Planning in Light of the ACA The Next Steps for Strategic Planning in Light of the ACA This is only a brief summary that reflects our current understanding of select provisions of the law, often in the absence of regulations. All

More information

It's Your Fund - Your Money - Your Choice You can earn up to $2,400 per year

It's Your Fund - Your Money - Your Choice You can earn up to $2,400 per year UFCW Local 1776 and Participating Employers Health and Welfare Fund 3031 B Walton Road, Plymouth Meeting, PA 19462 Phone (610) 941-9400 Fax (610) 941-5325 www.ufcw1776benefitfunds.org fund@1776funds.org

More information

CITY OF FORT LAUDERDALE RETIREES INSURANCE BENEFITS INFORMATION

CITY OF FORT LAUDERDALE RETIREES INSURANCE BENEFITS INFORMATION CITY OF FORT LAUDERDALE RETIREES INSURANCE BENEFITS INFORMATION This brochure aims to provide relevant information to the continuation of health/gap insurance, dental and/or vision for you and enrolled

More information