1 City of Arlington Open Enrollment Meeting November, 2015
2 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 to do?
3 Why UnitedHealthcare Meaningful choice We connect you to Medicare plans, programs and resources that meet a variety of needs and interests. Experience Helping Medicare beneficiaries for more than 30 years means we have experience serving members and beneficiaries National access Helping you get access to care and products in all 50 states, with most plans available nationally Trusted source We re dedicated to making the health care system easier to use and we work with a variety of providers and retailers Integrated services Manage your Retiree Reimbursement Arrangement and healthcare coverage together under one company
4 Do I need to enroll or re-enroll? If you are already enrolled in a AARP Medicare Supplement plan, RX plan or HMO plan and do not want to make any changes, no you do not need to re-enroll. If you are enrolled in a plan and want to make a plan change (to a different AARP Med Supp plan, RX plan or move to the HMO plan) then yes, you will need to reenroll. If you are turning 65 in the next three months, then yes, you will need to enroll. Call , TTY 711 8:00 am to 8:00 pm, 7 days a week
5 Step 1: Learn About Your Options
6 How Your Subsidy Works STEP 1: LEARN ABOUT YOUR OPTIONS What is a Subsidy: City of Arlington will continue to contribute towards the cost of your health care coverage. This is done through a subsidy that will help pay the monthly plan premium(s) for the coverage you select. Account Value: The amount of your subsidy will be determined by the City of Arlington based upon years of service. It is important to note that you will not receive premium refunds. If you premium is more than the subsidy amount, you will be billed directly for the remaining balance..
7 The ABCs of Medicare STEP 1: LEARN ABOUT YOUR OPTIONS You must first be enrolled in Medicare Parts A and B to enroll in a Medicare Advantage or Medicare Supplement plan United HealthCare Services, Inc. Medicare Made Clear initiative. More information can be found at MedicareMadeClear.com.
8 Medicare Advantage Plans (Part C)
9 STEP 1: LEARN ABOUT YOUR OPTIONS Medicare Advantage Plans (Part C) Coverage Medicare Advantage plans combine coverage for hospital stays with coverage for doctor visits, outpatient care, preventive care and often extra benefits like vision, dental, wellness and hearing exams. Many plans include Part D prescription drug coverage, too. Certain Medicare Advantage plans allow you to add a standalone prescription drug plan. Medicare Part A Hospital Medicare Part B Doctor and outpatient Medicare Part D Prescription drug coverage is included in some plans Additional Benefits Vision, hearing, dental and wellness programs are often included
10 STEP 1: LEARN ABOUT YOUR OPTIONS A Closer Look at Medicare Advantage Health Maintenance Organization (HMO): Use a network of doctors, hospitals and other health care professionals You must get routine care from one of our many plan providers Typically do not provide coverage outside the contracted service area except for emergencies Urgent care and renal dialysis are available out of network
11 AARP MedicareComplete SecureHorizons (HMO) Zip code Colin, Dallas, Denton, Ellis, Johnson, Kaufman, Rockwall, Tarrant In-network Monthly Premium $0 (Must continue to pay Part B) NA Out of Network Out of Pocket Maximum $4,900 Not a covered benefit Annual Deductible (Part D Only) Tier 1 $0 Tier 4 & 5- $290 Primary Care Physician $ 0 Not a covered benefit Specialist Office visit $30 Not a covered benefit Out-Patient Surgery $250 Not a covered benefit Emergency World wide coverage $75 $65 Urgent Care $30 $40 $30 - $40 Pharmacy $2/$14/$47/$100/25% of cost Not a covered benefit
12 Dental Plans 4 STEP 1: LEARN ABOUT YOUR OPTIONS From dental cleanings to root canals, it can be difficult to predict how much money you re going to spend for your dental care. Our dental plans can provide the coverage you need to help promote good dental health. Dental Network Our large network can mean savings More dentists in our network means you are more likely to keep the same dentist you use today and also have coverage available when traveling. Our network provides access to many dental providers. Using a non-network dentist? Our Dental Premier SM and Dental Premier SM plans offer coverage.* * Premier Plan benefits based on reasonable and customary charge. Non-network dentists can bill a patient for any remaining amount up to the billed charge. UnitedHealthOne SM is a brand representing a portfolio of insurance products offered to individuals and families through the UnitedHealthcare family of companies. Golden Rule Insurance Company or UnitedHealthcare Life Insurance Company is the underwriter of these plans. UnitedHealthcare Life Insurance Company is the underwriter of these plans.
13 Dental Plans 4 STEP 1: LEARN ABOUT YOUR OPTIONS Benefit Summary** We offer a variety of dental plans to meet your needs and budget. Preventive Care all plans No waiting periods. No deductibles. Basic Services like simple fillings and extractions. All plans have a $50 per person, per calendar year deductible (maximum 3 individual deductibles per family, per calendar year).* Depending on the plan you choose: We pay either 70% or 80%. Waiting periods vary from 4 to 6 months. Major Services like root canals and extractions of impacted teeth. All plans have a $50 per person, per calendar year deductible (maximum 3 individual deductibles per family, per calendar year).** Depending on the plan you choose: We pay 50% after a 12 month waiting period. For lower premium, some plans do not cover Major Services. ** Some plans offer a combined $50 deductible per person for Basic and Major Services. UnitedHealthcare Life Insurance Company is the underwriter of these plans.
14 Vision Benefit Rider STEP 1: LEARN ABOUT YOUR OPTIONS Vision coverage is optional and may be added to your dental plan for additional premium. We ll help keep you seeing clearly, so you can focus on more important things. Vision Network 5 Our vision network offers care from professionals in private and retail settings across the country. You may use a non-network provider, but you are eligible to receive discounts using network providers. Benefit Summary $10 Co-pay: Eye exam once every 12 months. $25 Co-pay: Frames 6 once every 24 months. Lenses once every 12 months. Contacts 7 instead of glasses once every 12 months.
15 Medicare Supplement Insurance Plans
16 STEP 1: LEARN ABOUT YOUR OPTIONS
17 STEP 1: LEARN ABOUT YOUR OPTIONS
23 Medicare Prescription Plans (Part D)
24 Medicare Prescription Drug Plans (Part D) STEP 1: LEARN ABOUT YOUR OPTIONS Medicare Part D is a government program that helps cover the costs of many prescription drugs. Original Medicare Parts A & B do not include prescription drug coverage Medicare Part D plans are available to those eligible for Medicare You can enroll in a Medicare Part D plan through a private insurance company like UnitedHealthcare or other companies contracted with Medicare If you don t join a Medicare Part D plan when you re first eligible, you may have to pay the Medicare late-enrollment penalty if you enroll later.
25 STEP 1: LEARN ABOUT YOUR OPTIONS UnitedHealthcare Prescription Drug Plans (Part D) Costs All Medicare Part D plans are set up in drug payment stages. Each stage tells you the amount you pay and the amount your plan pays for covered medications. Annual deductible If your plan has a deductible, you pay the total cost of your drugs until you reach the deductible amount set by your plan. Then you move to the initial coverage stage. Initial Coverage You pay co-pay or co-insurance for each covered drug, depending on plan up to $3,310 in 2016 Coverage Gap You pay 45% of brand name drug prices and no more than 65% generic drug prices up to $4,850 in 2016 Catastrophic Coverage You pay 5% or $2.95 for generic/$7.40 for brand whichever is greater. Total Drug Costs: The amount you pay (or others pay on your behalf) and the plan pays for prescription drugs, starting January This does not include premiums. Out-of-Pocket Costs: The amount you pay (or others pay on your behalf) for prescription drugs, starting January This does not include premiums.
26 STEP 1: LEARN ABOUT YOUR OPTIONS UnitedHealthcare Prescription Drug Plans (Part D) Coverage on thousands of brand name and generic drugs Choice of plans so you can choose the plan with the right coverage for you Predictable co-pays as low as $1 with our Preferred Retail Pharmacy Network 1 $0 co-pay for 90-day supply of Tier 1 medications (typically preferred generic drugs) through our Preferred Mail Service Pharmacy 2 65,000>+ convenient pharmacy locations including large retailers and local drugstores
27 STEP 1: LEARN ABOUT YOUR OPTIONS Two Plans That May Fit Your Needs Most prescription drug plans divide their list of drugs into tiers or levels. Generally, the lower the tier, the lower the cost you pay. If you have a drug in a higher tier, you may want to talk to your doctor to see if a drug in a lower tier will work just as well and save you money. Pay $0 for a 90-day supply of most generic medications with OptumRx home delivery. At a Glance Drug List AARP MedicareRx Saver Plus (PDP) Lowest premium, plus coverage for most commonly used generic drugs. Includes most generic drugs covered by Medicare Part D and many commonly used brand-name drugs. AARP MedicareRx Preferred (PDP) Good value with robust drug coverage. Includes nearly all generic drugs covered by Medicare Part D and most commonly used brand-name drugs. Annual Deductible $360 $0 Monthly Premium $37.60 $66 Tier 1 Co-pay $1 $3 Tier 2 Co-pay $2 $12 Tier 3 Co-pay $27 $35 Tier 4 Co-pay 30% 40% Tier 5 Co-insurance 25% 33% NEW Preferred Pharmacy Network Cost for Tier 1 and 2 medications with OptumRx home delivery Co-pays as low as $1 when you fill your prescription at a preferred retail pharmacy. $0 Co-pays as low as $2 when you fill your prescription at a preferred retail pharmacy. $0
28 Step 2: Consider Your Choices
29 STEP 2: CONSIDER YOUR CHOICES Choosing a Plan That s Right for You Ask yourself: How often do you visit your doctor? Do you take prescriptions medications regularly? If so, what ones and their doses? Would you rather: Pay a lower premium and co-pay for your services as you use them or Pay a higher premium and have little to no cost for your services Would you change doctors or providers if it meant you could save on your healthcare costs? Do you travel out of state? Out of country?
30 Step 3: Enroll in a Plan
31 Do I need to enroll? If you are enrolled in a AARP Medicare Supplement plan, RX plan or HMO plan and do not want to make any changes, no you do not need to re-enroll. If you are enrolled in a plan and want to make a plan change (to a different AARP Med Supp plan, RX plan or move to the HMO plan) then yes, you will need to enroll. If you are turning 65 in the next three months, then yes, you will need to enroll.
32 How to enroll We re here to help. All our licensed customer service advisors are trained to identify your specific needs and match them to UnitedHealthcare s portfolio of health plan options. Our easy-to-use website provides education on Medicare and other health plan options. Before you call: Have your Medicare ID card on hand Think about how much you want to spend on your new plan(s) Have your doctors names and addresses ready Have a list of your prescription drugs Know the date you need to make a decision by to insure you don t have a gap in coverage
33 How to enroll 1. Call , TTY a.m. 8 p.m. local time, 7 days a week You will be greeted with the message: Thank you for calling UnitedHealthcare Medicare Solutions. Identify yourself as a City of Arlington retiree. 2. Mail in a completed application. Once your enrollment is processed, you will receive a Welcome Kit with additional plan details. Your ID card will arrive separately.
34 In Closing STEP 3: ENROLL IN A PLAN 1 1 Learn about your options 2 Consider your choices 3 Understand how to enroll 4 Remember, Your new coverage begins: January 1, 2015 The 1st of month in which you turn 65 The 1 st of the month in which you are retiring
35 Thank You
36 Disclaimers You are not required to use OptumRx home delivery for a 90- or 100-day supply of your maintenance medication. If you have not used OptumRx home delivery, you must approve the first prescription order sent directly from your doctor to OptumRx before it can be filled. New prescriptions from OptumRx should arrive within ten business days from the date the completed order is received, and refill orders should arrive in about seven business days. Contact OptumRx anytime at OptumRx is an affiliate of UnitedHealthcare Insurance Company. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Materials for MA and MAPD: Benefits, premium and/or co-payments/co-insurance may change on January 1 of each year. The Formulary, pharmacy network, and/or provider network] may change at any time. You will receive notice when necessary. Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan s contract renewal with Medicare. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. You do not need to be an AARP member to enroll. AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals. Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan s contract renewal with Medicare. You must continue to pay your Medicare Part B premium.
37 Disclaimers <1> Member may use any pharmacy in the network but may not receive preferred retail pharmacy pricing. Pharmacies in the Preferred Retail Pharmacy Network may not be available in all areas. Copays apply after deductible. <2> You are not required to use OptumRx to obtain a 90-day supply of your maintenance medications, but you may pay more out-of-pocket compared to using OptumRx, your plan s Preferred Mail Service Pharmacy. Prescription orders sent directly to OptumRx from your doctor must have your approval before OptumRx can send your medications. This includes new prescriptions and prescription refills. OptumRx will contact you, by phone, to get your approval. At that time you may also tell OptumRx to automatically fill any future prescriptions they receive directly from your doctor(s) for up to one year. If OptumRx is unable to reach you for approval your prescription will not be sent to you. Refunds may be available for prescriptions you did not approve and did not want. You may request a refund or cancel your approval by calling OptumRx at < >, (TTY <711>), <8 a.m. 8 p.m. CT, Monday Friday>. New prescriptions should arrive within ten business days from the date the completed order is received by the Mail Service Pharmacy. Completed refill orders should arrive in about seven business days. OptumRx will contact you if there will be an extended delay in the delivery of your medications. OptumRx is an affiliate of UnitedHealthcare Insurance Company. <3> Drugs and prices may vary between pharmacies and are subject to change during the plan year. Prices are based on quantity filled at the pharmacy. Quantities may be limited by pharmacy based on their dispensing policy or by the plan based on Quantity Limit requirements; if prescription is in excess of a limit, copay amounts may be higher. SPRJ21587
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