Hari Arora (813) Jim Hughes (727)

Size: px
Start display at page:

Download "Hari Arora hsarora@verizon.net (813) 962-8395. Jim Hughes j.r.hughes45@gmail.com (727) 937-2429"

Transcription

1 IBM Retiree Medicare Coverage 2015 Medicare Eligible Retiree Single Medicare Eligible Retiree with Medicare Eligible or Non-Medicare Eligible Spouse November 11 & 12, 2014 Hari Arora (813) Jim Hughes (727)

2 Agenda 2014 versus 2015 Medicare Changes Medicare Coverage Overview Part A, Part B & Part D Medicare Advantage Plans (Part C) PPO s & HMO s Medicare Supplement Plans Medigap + Prescription Plans IBM Medical Coverage Overhaul Who is OneExchange? All About Health Reimbursement Arrangement (HRA) IBM Subsidy for HRA Medicare Coverage Choices At-A-Glance Medicare Advantage Plans: HMO s At-A-Glance Medicare Advantage Plans: PPO s At-A-Glance Medigap Plans Prescription Plan Considerations Plan Selection based on Health Considerations Plan Options for Non-Medicare Eligible Spouse Dental Plans Vision Care Options Summary Q & A / Discussion 2

3 2014 VS 2015 Medicare Changes No changes to Part B annual deductible, Part B premium and income based surcharges Part A deductible increased from $1216 to $1260 Copayment for hospital stay from days increased from $304/day to $315/day. Days 91+ up to 60 days per lifetime increased from $608 to $630/day Copayment for skilled nursing facility from days increased from $152/day to $157.50/day Medicare Part D donut hole adjusted from $ $4550 to $ $4700. Income based surcharges adjusted upwards by small amounts. 3

4 Medicare Coverage Overview Medicare Part A Covers in-patient hospitalization No premium, automatically enrolled first month you turn 65 $1,260 deductible and no copayment for 1-60 days each benefit period, $315/day days,$630/day 91+ up to 60 days for lifetime Covers skilled nursing facility 1-20 days, you pay $157.50/day for 21 to 100 days, all costs after 100 days 4

5 Medicare Health Coverage Overview Medicare Part B Pays for doctor s services, outpatient care and other medical services Annual deductible: $147 Medicare pays: 80%, you pay: 20% Must enroll and pay monthly premium Minimum: $104.90/person modified AGI<85K for Single, 170K for Joint Adjusted upwards with your income 2015 adjustment will be based on 2013 modified gross income Deducted out of social security payment If retired before YE 1996, can recover 80% of premium up to $900 through IBM SHAP; must pay Part B premium to claim SHAP. Only one person can claim. 5

6 Medicare Health Coverage Overview Medicare Part D Medicare subsidized drug coverage offered through Medicare approved insurance companies Most street plans don t provide gap (donut hole) coverage from $2960 $4700 Gap starts when total drug costs reach $2960 and end when your total outof-pocket costs exceed $4700 and enter catastrophic level Catastrophic coverage co-pay: Greater of 5% or $2.65 for generics, 5% or $6.60 for all other drugs. However, gap is shrinking: 2014: 52.5% discount on brand names, 28% on generics 2015: 55% discount on brand names, 35% on generics 2020: Discounts increase till gap closed Part D income surcharge to go up by about 2% for all high income categories 6

7 Medicare Part B and Part D Premiums Modified Adjusted Gross Income* (MAGI) Monthly Premium/Person Single Joint Part B Part D $85K 170K $ None $ $ $ $ $ $51.30 >214K >428K $ $70.80 *Modified Adjusted Gross Income: Adjusted Gross Income Tax Exempt Interest

8 Medicare Advantage Plans Also called Medicare Part C All-In-One Plans Must enroll in Medicare Part A and Part B and assign your Medicare benefits to an insurance company Health Maintenance Organization (HMO) Must stay within the plan s network (except for emergency care) PCP required PCP referral required to see a specialist Preferred Provider Organization (PPO) PCP not required Generally have network of providers but can also use out-of-network providers, usually for a higher cost Local, Regional & Extended Service Area PPO s 8

9 Medicare Supplement Plans Also called Medigap Plans Supplement coverage not provided by Medicare Must enroll in Medicare Part A and Part B but no need to assign your Medicare benefits to an insurance company Will need to enroll in a separate Part D plan for drug coverage 9

10 IBM Medicare Coverage Overhaul IBM coverage for medical, dental & vision care was discontinued 12/31/2013 IBM subsidy continued through Health Reimbursement Arrangement (HRA) Must work with One Exchange Health and enroll in a medical plan or prescription drug plan to receive HRA No group plans - - retiree and spouse will enroll in individual plans Offers flexibility to sign up for a plan based on individual s health status However, adds to enrollment process Exception: Those currently enrolled in Aetna Medicare Plan A (HMO) and Aetna Medicare Plan B (PPO) can continue with these plans along with IBM offered dental and vision plans for one more year. Not eligible for HRA. Not need to return the Spousal Selection Form 10

11 Who is OneExchange? Largest private Medicare exchange serving over 500,000 Medicare retirees Acquired by Towers Watson in May 2012 OneExchange is now your primary contact for enrollment and ongoing support for your health care coverage for 2014 and beyond 11

12 All About Health Reimbursement Arrangement (HRA) A tax-free account which can be used to pay for eligible out-of-pocket health care costs: Premiums for medical, prescription, dental & vision care plans Deductibles, Co-Pays and Co-Insurance Medicare Part B Premiums IBM will contribute annually to your HRA if you were receiving subsidized group coverage If you and your spouse are both IBM retirees and Medicare-eligible, each of you are eligible for your own HRA. A joint account will be setup for the total amount unless otherwise requested HRA must be funded by IBM, you can not contribute to an HRA (IRS rules) If you don t use your annual HRA allocation, it will not roll over If you have an FHA account, it will be transferred into an HRA and will roll over year to year till all depleted OneExchange will serve as the administrator for your HRA account 12

13 All About Health Reimbursement Arrangement (HRA) (Continued) To receive your HRA contribution, you, the retiree (or surviving spouse), must enroll in medical and/or drug plan through OneExchange Exception: A U.S. Veteran enrolled in TRICARE or eligible to obtain services from the Veterans Administration. Call OneExchange to receive HRA Once you enroll in a medical plan through OneExchange, it s not necessary for your spouse to enroll in a medical plan through OneExchange. You and your spouse can enroll in prescription, dental and vision plans on your own and submit claims for premiums and other medical expenses for reimbursement Non-Medicare eligible spouse/dependent can not enroll through OneExchange but is eligible to draw upon retiree HRA for medical, dental, vision care premiums and expenses, same as the retiree Make sure your spouse/dependent is included in OneExchange database Reimbursements You will first pay all premiums and other out-of-pocket expenses Auto reimbursement for select medical plans and Part B premiums Manual process for all other expenses. Submit claims with valid receipts, etc. till HRA is depleted 13

14 IBM Subsidy for HRA IBM aggregate contribution to HRA s will be consistent with prior years Retirement Date Without Surviving Spouse Option With Surviving Spouse Option Retiree Already Deceased Now Surviving Spouse Now Surviving Spouse Medicareeligible Surviving Spouse Before Jan. 1, 1992 On or after Jan. 1, 1992 $3,500 0 $2,600 $1,300 $1,300 $3,000 0 $2,374 $1,187 $1,187 - You must make your selection on Survivor Selection Form and return to reach IBM vendor by due date - Default is Spousal Coverage meaning lower amount even if there is no spouse or dependent 14

15 Next Step Choose the best coverage while optimizing the use of available funds: Annual HRA (or FHA) Annual SHAP, if eligible 15

16 16

17 Medicare Plan Types Option 1 Medigap + Part D Rx Option 2 Medicare Advantage Plan Name Plan F, N, C, etc. PPO, HMO, etc. Medicare Supplement to Original Medicare Pays instead of Medicare (You assign your Medicare benefits to the insurance provider) Costs Pay Up Front Pay As You Go Premiums Higher Monthly Premium Zero to Low Monthly Premium Co-Pays $0 Co-pays (Plan F) Co-pays, Co-insurance, Max out-of-pocket limits Doctors/Medical Facilities Any Doctor/Facility that Accepts Original Medicare Networks, PCP Portability Benefits Travel with You Only Emergency Coverage When Out of Network Area 17

18 Insert HMO Medicare Advantage Plans At-A-Glance 18

19 Insert PPO Medicare Advantage Plans At-A-Glance 19

20 Medigap Plans All policies are regulated by Federal and State laws and fall into 3 categories: Community Rated: Same monthly premium regardless of age Issue-Age-Rated: Premium is based on the age you are when you buy. Almost all policies (95%) fall in this category in Florida. Attained-Age-Rated: Premium is based on your current age and goes up as you get older. Not allowed in Florida. All policies are labeled by a letter. A policy with the same letter covers the same benefits no matter which insurance company sells AARP Medicare (United Healthcare) and Florida Blue are the two largest Medigap insurers in Florida. United Healthcare issues with providers do not apply here because your primary coverage continues to be through Medicare AARP Medicare and Florida Blue allow switching from one Medigap plan to another plan without going through underwriting requirements (Florida only) Must enroll in a Part D prescription plan Full coverage for domestic travel. Some plans provide emergency care coverage with limits for foreign travel: you pay first $250, 20% co-insurance for up to $50,000 lifetime limit 20

21 Medigap Plans (continued) Guaranteed Issue Rights (Medigap Protections) Entitle those coming off company group plans to enroll in a Medigap plan. Same is true for those just becoming Medicareeligible. If you decide not to enroll in a Medigap plan when first eligible, you lose the guaranteed issue status and may be subject to underwriting requirements Medicare Advantage plans are always guaranteed issue. 21

22 Medigap Plans Medigap Plans Medigap Benefits A B C D F* G K L M N Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Medicare Part B Coinsurance or Copayment 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%*** Blood (First 3 Pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% Part A Hospice Care Coinsurance or Copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% Skilled Nursing Facility Care Coinsurance 100% 100% 100% 100% 50% 75% 100% 100% Medicare Part A Deductible 100% 100% 100% 100% 100% 50% 75% 50% 100% Medicare Part B Deductible 100% 100% Medicare Part B Excess Charges 100% 100% Foreign Travel Emergency (Up to Plan Limits) 100% 100% 100% 100% 100% 100% Out-of-Pocket Limit** $4,940 $2,470 22

23 Medigap Plans (continued) *Plan F also offers a high deductible plan with annual deductible ($2,180 in 2015) **For Plans K & L, after you meet your out-of-pocket annual limit and your Part B annual deductible, Medigap Plan pays 100% ***Plan N pays 100% of Part B co-insurance except for: -Part B annual deductible $147 -Up to $20 for some office visits -Up to $50 co-pay for ER visits not resulting in inpatient admission 23

24 Medigap Plans Considerations OneExchange lists six plans but also offers AARP (United Healthcare) Medigap plans Consider your health status in selecting a Medigap plan Medigap Plans Comparison #1 (Age 73, ZIP: 33624) Florida Blue F $215.30/Month $ /Year Humana High Deductible F (Deductible $2180 for 2015) $110.22/Month $ /Year Best case savings: $ /year with high deductible F If your out-of-pocket expenses are less than $ , you will come out ahead Worst case delta cost if health condition worsens: $2180 $ = $ High deductible F is a viable alternative for healthy individuals desiring highest flexibility 24

25 Medigap Plans Considerations (continued) Medigap Plans Comparison #2 (Age 72, ZIP: 33624) AARP Plan F $221.75/Month $2661/Year AARP Plan N $160.25/Month $1923/Year Savings with Plan N: $738 Assuming no emergency visits, you will come out ahead if your doctor visits are less than 29 Medigap Plan N is a viable option for those with moderate health issues and requiring full flexibility AARP (United Healthcare) and Florida Blue allow switching without going through underwriting requirements 25

26 Prescription Plan Considerations If you are selecting a Medigap plan, you must enroll in a street Prescription Plan Your own prescription plan search using instructions on next chart is highly recommended May result in considerable savings compared to lowest cost plan offered through OneExchange Most street Prescription Plans and Medicare Advantage plans have coverage gap Premiums for most street plans have gone up. Enrollment period Oct. 15 Dec. 7 if you enroll yourself Formulary within a drug plan can make a significant difference in your overall drug costs Prescription offers from Publix, Sweetbay, Walgreens, etc. do not replace Medicare Part D plans but can be used to reduce your costs 26

27 Prescription Plan Search Go to Medicare.gov web site. Don t sign in even if you have ID Click on FIND HEALTH & DRUG PLANS Next Page enter ZIP code Step 1 of 4...Look at questions and just check ORIGINAL MEDICARE on first question. Answer second question as appropriate. Click on CONTINUE TO PLAN RESULTS (If you saved the drug list from last year, start with the previous Drug List ID) Step 2 of 4...Enter DRUGS. When done click on MY DRUG LIST IS COMPLETE Step 3 of 4 where you can look at eligible pharmacies in your area. Pick your favorite pharmacy. Click on CONTINUE TO PLAN RESULTS Step 4 of 4. Under REFINE YOUR SEARCH, check PRESCRIPTION DRUG PLANS only. Then click on CONTINUE TO PLAN RESULTS You have arrived at the list of Plans sorted by Cost. Pick up to three plans to compare. Print results using default options. You now have a detailed report to make your decision. Well done!! Note: To explore further, repeat above steps using different options. 27

28 Health Considerations Minor health issues / Low prescriptions Many choices HMO s are the lowest cost but offer limited flexibility Humana Gold Plus is a popular plan PPO s with zero premium offer good flexibility at low cost AARP Medicare Complete Choice Plan 2 used to be a popular plan but not anymore because of issues with providers in the Network. Humana Choice and Aetna Medicare Premier Plan are good alternatives If flexibility is a key consideration, your lowest cost option may be: Medigap Plan F with annual deductible ($2,180 for 2015) plus lowest premium Prescription Plan 28

29 Health Considerations (continued) Moderate health issues / Moderate prescriptions Consider HMO s only if cost is a major consideration PPO s offer better flexibility with as low as zero premium Humana Choice and Aetna Medicare PPO look most cost effective but should check the provider network (call your preferred providers) Should offer the best value for most in this category If full flexibility is key, a good option may be: Medigap Plan N AARP Medicare (United Healthcare) provides this policy. Can be upgraded to other AARP Medigap plans without going through underwriting terms. Plus a Prescription Plan with lowest annual cost 29

30 Health Considerations (continued) High health issues / Moderate to high prescriptions Medigap Plan C or Plan F, and the lowest annual cost prescription plan provide the best value Highest flexibility and may provide best cost in many cases 30

31 Plan Options for Non-Medicare Eligible Spouse Waiting for IBM Materials

32 Dental Options No monitoring by state or federal agencies Dental insurance plans Dental HMO s Many street plans Dental PPO s from OneExchange Humana One Preventive Plus MetLife Plan Option 1 MetLife Plan Option 2 Delta Dental Individual Plan III Dental Discount Plans Savings against normal dental charges Visit Check with your provider for actual discounts 32

33 Vision Options VSP plan offered through OneExchange looks expensive at $150/year Some Medicare Advantage plans offer vision care benefits AAA or AARP discount Your input? 33

34 Summary New to Medicare/One Exchange No need for retiree and spouse to enroll in the same plan. Each plan selection can be based on health profile Except for your medical or prescription Plan, you or your spouse don t have to enroll other plans with OneExchange to claim all of your HRA Prepare ahead of time before your enrollment appointment with OneExchange advisor to steer your discussion For a person with high health issues, a Medigap plan C or F plus the lowest annual cost prescription plan should provide the best value If you choose an HMO or PPO, check the provider database for network providers and drug formularies A good PCP is most critical if you choose an HMO Contact your preferred provider for confirmation 34

35 Summary Returning and already enrolled through OneExchange If you are satisfied with your current plans, no need for any further action If you are currently enrolled in a Medigap, your options to change medical plans are limited You can change within the family of United Healthcare and Florida Blue Underwriting requirements if changing across providers 35

36 Q & A Q: You are currently enrolled in the Aetna Medicare Plan A (HMO) or Aetna Medicare Plan B (PPO) and are planning to stay in that plan as per exception allowed by IBM. Do you have to respond back on Survivor Selection Form? A: No. You will receive a follow-up communication from IBM. Q: I am enrolled in a medical and prescription plan on my own, can I receive the HRA if I enroll in a dental or vision plan through OneExchange? A: No, you cannot. IBM is providing an HRA only if you enroll through OneExchange for medical or prescription drug coverage. Q: My spouse and I are both IBM retirees and Medicare-eligible, and are eligible for our own HRA. Can one of us use the other s HRA for reimbursing medical expenses? A: Yes, a joint account will be set up for the aggregate amount unless otherwise requested. Q: What s the prescription drug creditable coverage? A: Any drug coverage assessed as meeting Medicare coverage requirements. All plans previously offered by IBM which have drug coverage have been assessed as providing creditable coverage. Q: What happens if I don t sign up for a creditable coverage? A: You pay penalty of 1% of your annual premium for every month of delay. Q: What s SHAP? A: If you retired before the end of 1996, 80% of Medicare Part B premiums are covered up to a new maximum of $900/family. Q: If I have joined a Medicare Advantage Plan, can I also have a Medigap Policy to pay for copayments and deductibles? A: No. It is illegal for anyone to sell you a Medigap Policy if you are already in a Medicare Advantage 36 Plan.

37 SHAP and LPA Forms SHAP Special Health Assistance Provision Retired Dec. 31, 1990 or before - 80% of Medicare B premiums in excess of that which is included in your pension reimbursed Retired Dec. 31, 1996 or before - 80% of Medicare B premiums reimbursed Retiree or an eligible dependent enrolled in Medicare Annual maximum reimbursement per family $900 LPA Life Planning Account Retired Dec. 31, 2003 or before Health Club, gym etc. annual fee reimbursement Up to $250 per family per year Form must be submitted by April 30 following expense calendar year Forms are available at: Acclaris Reimbursement Center PO Box Lehigh Valley, PA (888) Forms can be printed from and can either be faxed or mailed to Acclaris. The link is also available at under Related Websites.

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

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

Retiree Considerations Medicare 101. June 26, 2012

Retiree Considerations Medicare 101. June 26, 2012 Retiree Considerations Medicare 101 June 26, 2012 Agenda Goal: Present information regarding Medicare and related products to assist you in evaluating options Key Topics: Eligibility Rules Enrollment Rules

More information

New Coverage & New Choices for Medicare-eligible Retirees

New Coverage & New Choices for Medicare-eligible Retirees New Coverage & New Choices for Medicare-eligible Retirees What We Will Cover Today What is changing. How this affects Medicare eligible retirees. Extend Health and the services and health plans available

More information

Frequently Asked Questions: DuPont Retiree Health Plan Changes

Frequently Asked Questions: DuPont Retiree Health Plan Changes New questions and answers added after September 6th, 2012 are shown in blue. The following questions and answers are general in nature. Medicare eligible retirees with specific questions regarding the

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

Helping You Prepare For Your Upcoming Health Insurance Enrollment

Helping You Prepare For Your Upcoming Health Insurance Enrollment Helping You Prepare For Your Upcoming Health Insurance Enrollment Who We Are Transitions Can Be A Good Thing! OneExchange For Your Benefit A Deeper Dive Benefit Advisors, Private Exchange, Optimize Savings,

More information

The Pennsylvania Insurance Department s. Your Guide to Choosing a MEDIGAP POLICY. Understanding Medigap

The Pennsylvania Insurance Department s. Your Guide to Choosing a MEDIGAP POLICY. Understanding Medigap Your Guide to Choosing a MEDIGAP POLICY Understanding Medigap Medigap is private health insurance designed to help pay healthcare costs that aren t covered by Medicare. Each Medigap plan covers different

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

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

OneExchange Enrollment Guide

OneExchange Enrollment Guide Your 2014 OneExchange Enrollment Guide Complete Your Health Insurance Enrollment for Coverage in 2014 Important! Your current group health care coverage ends CoverageEndDate. How to Contact Us After you

More information

IBM Selects Extend Health to offer Medicare-Eligible Retirees a New Way to Receive Health Care Coverage

IBM Selects Extend Health to offer Medicare-Eligible Retirees a New Way to Receive Health Care Coverage IBM Selects Extend Health to offer Medicare-Eligible Retirees a New Way to Receive Health Care Coverage As of January 1, 2014, IBM will offer Medicareeligible retirees* and their Medicare-eligible dependents**

More information

Medicare & UC Medical Benefits

Medicare & UC Medical Benefits Medicare & UC Medical Benefits UCSB Health Care Facilitator Program Laura Morgan 893-4201 UC Retirement Administration Service Center (RASC) 1-800-888-8267 This presentation is intended for communication

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

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

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

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 Benefits Frequently Asked Questions

Health Benefits Frequently Asked Questions Health Benefits Frequently Asked Questions The General Board of Pension and Health Benefits (General Board) is partnering with Towers Watson s OneExchange to offer Medicare-eligible participants and Medicare-eligible

More information

2016 Retiree Open Enrollment Benefits Briefing Medicare

2016 Retiree Open Enrollment Benefits Briefing Medicare 2016 Retiree Open Enrollment Benefits Briefing Medicare October 28: Bankhead Theater, Livermore October 29: The Grand Theater, Tracy This work was performed under the auspices of the U.S. Department of

More information

Medicare Quick Reference

Medicare Quick Reference Medicare Quick Reference 2016 Income Investment Estate Retirement Social Security NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE This guide provides general Medicare information. Part A Part C (Medicare

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 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

I welcome discussion and input from anyone else

I welcome discussion and input from anyone else Peter Hirsch 1 How many have looked at the new IBM ExtendHealth plans? Have you had an appointment and discussion with ExtendHealth? Have you decided on which plans to use for you and your family? The

More information

What is Medicare? The Different Parts of Medicare

What is Medicare? The Different Parts of Medicare Medicare and You The Different Parts of Medicare A Medicare Part A Hospital Insurance Inpatient care at hospitals, skilled nursing facility*, hospice and home health care. What is Medicare? Medicare is

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

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 Health Insurance Options in Retirement

Understanding Health Insurance Options in Retirement Understanding Health Insurance Options in Retirement A White Paper by Manning & Napier www.manning-napier.com 1 Over the past several years, the spike in the cost of health care and insurance premiums

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

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

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

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

DTE Energy Medicare-Eligible Retirees and Dependents 2013 Retiree Health Program. Fall 2013 - Presentations

DTE Energy Medicare-Eligible Retirees and Dependents 2013 Retiree Health Program. Fall 2013 - Presentations DTE Energy Medicare-Eligible Retirees and Dependents 2013 Retiree Health Program Fall 2013 - Presentations Agenda Overview Why change was needed Your new Medicare supplement program Time Line Medicare

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

RETIRING WITH MEDICARE

RETIRING WITH MEDICARE MEDICARE! RETIRING WITH MEDICARE Helping You Make a Confident Decision To be used through employers only DoctorsChoiceUSA.com WHAT S ON THE AGENDA! What is Medicare?! What are my options?! When and how

More information

Medicare Fact Sheet. Fact Sheet: Medicare

Medicare Fact Sheet. Fact Sheet: Medicare Medicare Fact Sheet Fact Sheet: Medicare 2 If you re 65 or older and not working, chances are your primary health insurance will come through Medicare the popular federal program begun in the 1960s to

More information

A Guide to Understanding Medicare Benefits

A Guide to Understanding Medicare Benefits Private Wealth Management Products & Services A Guide to Understanding Medicare Benefits Medicare is a social insurance program created under the Social Security Act of 1965 as signed by President Lyndon

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

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

2016 Retiree Open Enrollment Benefits Briefing Non Medicare

2016 Retiree Open Enrollment Benefits Briefing Non Medicare 2016 Retiree Open Enrollment Benefits Briefing Non Medicare October 28: Bankhead Theater, Livermore October 29: The Grand Theater, Tracy LLNL-PRES-678554 This work was performed under the auspices of the

More information

Medicare Supplement Policies

Medicare Supplement Policies Private Wealth Management Products & Services Medicare Supplement Policies A critical component of coverage for those with Parts A & B Medicare Supplement Policies, often referred to as Medigap plans,

More information

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

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

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

Introducing a new way to get health care coverage for 2016. For Lilly Medicare-eligible retirees and dependents

Introducing a new way to get health care coverage for 2016. For Lilly Medicare-eligible retirees and dependents Introducing a new way to get health care coverage for 2016 For Lilly Medicare-eligible retirees and dependents Beginning in 2016, Lilly is introducing a new way for Medicare-eligible retirees and Medicare-eligible

More information

Retiree Questions from the Conference Calls for Healthcare CenturyLink

Retiree Questions from the Conference Calls for Healthcare CenturyLink Retiree Questions from the Conference Calls for Healthcare CenturyLink Miscellaneous Questions 1. If I have a pre-existing condition, such as Parkinson s, will I have trouble getting insurance? No, not

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

Express Scripts Medicare TM (PDP) through State of Delaware Medicare Retiree Prescription Plan Frequently Asked Questions

Express Scripts Medicare TM (PDP) through State of Delaware Medicare Retiree Prescription Plan Frequently Asked Questions Express Scripts Medicare TM (PDP) through State of Delaware Medicare Retiree Prescription Plan Frequently Asked Questions Section 1 General Information (Questions 1-5) Section 2 Enrollment Information

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

20 You 15 r Enrollment Guide Complete Your Health Insurance Enrollment for Coverage in 2015

20 You 15 r Enrollment Guide Complete Your Health Insurance Enrollment for Coverage in 2015 You 2015 r Enrollment Guide Complete Your Health Insurance Enrollment for Coverage in 2015 How to Contact Us After you have read this guide and collected the requested information, you re ready for your

More information

THOUGHTS TO CONSIDER ABOUT YOUR MEDICARE SUPPLEMENTS

THOUGHTS TO CONSIDER ABOUT YOUR MEDICARE SUPPLEMENTS THOUGHTS TO CONSIDER ABOUT YOUR MEDICARE SUPPLEMENTS The following information is just information. These thoughts and ideas are NOT recommendations because everyone s situation is different and choices

More information

You don t have to change plans unless you want an option other than the following:

You don t have to change plans unless you want an option other than the following: Why is Caltech changing my retiree medical benefits? As you know, health care costs have been increasing significantly over the years. This has made it difficult for Caltech to provide retiree medical

More information

Preparing for Retirement Healthy Directions for Medicare Retirees

Preparing for Retirement Healthy Directions for Medicare Retirees Preparing for Retirement Healthy Directions for Medicare Retirees Introduction Eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for

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

2015 National Training Program. Session Objectives. Lesson 1 Introduction to Medigap. Medicare Program Overview Medigap Overview

2015 National Training Program. Session Objectives. Lesson 1 Introduction to Medigap. Medicare Program Overview Medigap Overview 2015 National Training Program Module 3 Medigap (Medicare Supplement Insurance) Policies Session Objectives This session should help you Explain what Medigap policies are Recognize key Medigap terms Relate

More information

5 Mistakes to Avoid MAKE NO MISTAKES MEDICARE WEBINAR: Thinking that Medicare has four parts. www.65incorporated.com

5 Mistakes to Avoid MAKE NO MISTAKES MEDICARE WEBINAR: Thinking that Medicare has four parts. www.65incorporated.com MAKE NO MISTAKES MEDICARE WEBINAR: 5 Mistakes to Avoid MISTAKE #1: Thinking that Medicare has four parts. Medicare has three parts that go together into two paths. 1. The three parts of Medicare:» Part

More information

FAQs: Medicare Eligible Retiree Medical Coverage

FAQs: Medicare Eligible Retiree Medical Coverage FAQs: Medicare Eligible Retiree Medical Coverage June 2014 What is changing? Effective September 1, 2014, current retirees of Emory University and Emory Healthcare who are age 65 or older and Medicare

More information

Guide to Medicare. Supplement Insurance. Medicare Options and Part D. This guide: John Kasich Governor

Guide to Medicare. Supplement Insurance. Medicare Options and Part D. This guide: John Kasich Governor Guide to Medicare Supplement Insurance Medicare Options and Part D This guide: Describes when and how to apply for Medicare Describes the prescription drug benefit Explains options for health plans used

More information

CHOOSING A PURDUE RETIREE. Health Care Plan. That s Right for You

CHOOSING A PURDUE RETIREE. Health Care Plan. That s Right for You CHOOSING A PURDUE RETIREE Health Care Plan That s Right for You Agenda 2016 Health Care Options Medicare Advantage PPO Prescription Drug Benefits PURcare Prescription Drug Benefits Other benefits Future

More information

Understanding your. Medicare options. Medicare Made Clear TM. Get Answers Series. Y0066_120629_084915 CMS Accepted

Understanding your. Medicare options. Medicare Made Clear TM. Get Answers Series. Y0066_120629_084915 CMS Accepted Understanding your Medicare options. Medicare Made Clear TM Get Answers Series Y0066_120629_084915 CMS Accepted learning about Medicare Choices. Eligibility Coverage options When to enroll Next steps and

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

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2014 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: Medicare Supplement

More information

PEBP and OneExchange

PEBP and OneExchange PEBP and OneExchange Complete your OneExchange Enrollment Important! Soon, you will be eligible for Medicare and will have new health insurance options from which to choose. Towers Watson s OneExchange

More information

Newly-Eligible Medicare Advantage TRAIL Members FAQs What do I need to know about TRAIL as a newly-eligible annuitant or survivor?

Newly-Eligible Medicare Advantage TRAIL Members FAQs What do I need to know about TRAIL as a newly-eligible annuitant or survivor? Newly-Eligible Medicare Advantage TRAIL Members FAQs What do I need to know about TRAIL as a newly-eligible annuitant or survivor? TRAIL is a retiree healthcare program sponsored by the Teachers Retirement

More information

Preparing for Retirement Healthy Directions for Medicare Retirees

Preparing for Retirement Healthy Directions for Medicare Retirees Preparing for Retirement Healthy Directions for Medicare Retirees Introduction Eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for

More information

BayCrest Insurance Services, 1275 S. Winchester Blvd., B, San Jose, CA 95128 Allan S. Eckmann. Medicare 2014

BayCrest Insurance Services, 1275 S. Winchester Blvd., B, San Jose, CA 95128 Allan S. Eckmann. Medicare 2014 BayCrest Insurance Services, 1275 S. Winchester Blvd., B, San Jose, CA 95128 Allan S. Eckmann What is Medicare? Medicare 2014 Medicare is a Health Insurance Program for: * People age 65 or older * People

More information

Human Resources Retirement Program Changes. Covering You. Valuable. Dependable. Accessible.

Human Resources Retirement Program Changes. Covering You. Valuable. Dependable. Accessible. Human Resources Retirement Program Changes Covering You. Valuable. Dependable. Accessible. new ahead. the Learn about choices Retiree Medical Benefits Continued Coverage and New Options for 2009 The 3M

More information

PEACE-OF-MIND IN RETIREMENT. Income Security + Healthcare Security = Retirement Readiness

PEACE-OF-MIND IN RETIREMENT. Income Security + Healthcare Security = Retirement Readiness PEACE-OF-MIND IN RETIREMENT Income Security + Healthcare Security = Retirement Readiness 1 What s New In 2015 The Traditional Choice Plan will be discontinued A new, significantly enhanced Medicare Advantage

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

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

Your Retiree Health Plan Options for 2016. North Carolina Retired Governmental Employees Association Fall 2015 District Meetings

Your Retiree Health Plan Options for 2016. North Carolina Retired Governmental Employees Association Fall 2015 District Meetings Your Retiree Health Plan Options for 2016 North Carolina Retired Governmental Employees Association Fall 2015 District Meetings Presentation Overview Medicare Advantage Refresher Plan Year 2016 Options

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

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

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2011 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:

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

Choosing a Medigap Policy:

Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2015 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: Medicare Supplement

More information

Service AvMed Cigna Leon Cares Humana HMO Humana PPO UnitedHealthcare. Out-of- Network

Service AvMed Cigna Leon Cares Humana HMO Humana PPO UnitedHealthcare. Out-of- Network 2016 Medicare Advantage Plans Comparison Chart This comparison chart is a side-by-side representation of services offered through the AvMed, Cigna, UHC, and Humana Medicare Advantage Plans for both in-network

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

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2009 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:

More information

NYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits

NYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits NYU HOSPITALS CENTER Retirement Plan Your Health & Welfare Plan Benefits 1 What s Inside Welcome to the NYU Hospitals Center Retiree Health & Welfare Program Retiree Health & Welfare Benefits At-A-Glance...

More information

Health & Welfare Benefits Briefing 2015 Retiree Open Enrollment Medicare. November 5: Bankhead Theater, Livermore November 6: Grand Theater, Tracy

Health & Welfare Benefits Briefing 2015 Retiree Open Enrollment Medicare. November 5: Bankhead Theater, Livermore November 6: Grand Theater, Tracy Health & Welfare Benefits Briefing 2015 Retiree Open Enrollment Medicare November 5: Bankhead Theater, Livermore November 6: Grand Theater, Tracy 1. Open Enrollment Dates 2. Who handles your enrollment?

More information

Finding Your Way With Medicare. Investor Guide

Finding Your Way With Medicare. Investor Guide Finding Your Way With Investor Guide Health Care Costs on the Rise Do you know how much health care will cost during retirement? Health care can be one of the biggest expenses in retirement and one you

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

Teachers Retirement Insurance Program

Teachers Retirement Insurance Program Comparison of Illinois State Retiree Health Insurance Options with Traditional Medicare and Medicare Supplement (Medigap) Insurance Teachers Retirement Insurance Program Insuraprise, Inc. (C) Copyright

More information

Welcome to: Medicare and Social Security 101. Presented by: WGA s Retiree Solutions Team and WGA s Compliance Practice

Welcome to: Medicare and Social Security 101. Presented by: WGA s Retiree Solutions Team and WGA s Compliance Practice Welcome to: Medicare and Social Security 101 Presented by: WGA s Retiree Solutions Team and WGA s Compliance Practice Introducing the webcast presenters: Alyssa Martin, Speaker Vice President Member of

More information

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2013 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: What is a Medicare

More information

Managing Your Health Care Costs in Retirement. Plain Talk Library

Managing Your Health Care Costs in Retirement. Plain Talk Library Managing Your Health Care Costs in Retirement Plain Talk Library If you re approaching retirement or you re already retired, you probably have many questions about the financial issues the years to come

More information

Guide to Medicare. Supplement Insurance. Medicare Options and Part D. This guide: John Kasich Governor

Guide to Medicare. Supplement Insurance. Medicare Options and Part D. This guide: John Kasich Governor Guide to Medicare Supplement Insurance Medicare Options and Part D This guide: Describes when and how to apply for Medicare Describes the prescription drug benefit Explains options for health plans used

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

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

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

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

November 11, 2013 through November 22, 2013

November 11, 2013 through November 22, 2013 Dear Georgia Tech Retiree, Open enrollment is the one opportunity provided each year to make changes to your existing benefit coverage. The 2014 benefit open enrollment period will be held November 11,

More information

Choosing a Medigap Policy:

Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2010 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:

More information

Legacy Medigap SM. Plan A and Plan C. Outline of Medigap insurance coverage and enrollment application for

Legacy Medigap SM. Plan A and Plan C. Outline of Medigap insurance coverage and enrollment application for 2015 Medicare Supplement Coverage offered by Blue Cross Blue Shield of Michigan Legacy Medigap SM Outline of Medigap insurance coverage and enrollment application for Plan A and Plan C LEGM_S_LegacyMedigapBrochure

More information

Choosing Healthcare Coverage at Retirement

Choosing Healthcare Coverage at Retirement Choosing Healthcare Coverage at Retirement An introduction to Medicare and the different ways to supplement Medicare coverage in retirement Important: 2016 Deductible, Copayment, and Premium Updates To

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

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

Understanding Medicare and How It Works

Understanding Medicare and How It Works Understanding Medicare and How It Works Get the facts about your Medicare insurance options 1 What Is Medicare? 2 Medicare is a health insurance program for people 65 or older or under 65 and with certain

More information