Meeting Schedule Active Employees and Retirees without Medicare

Transcription

1

2 Pelican HRA1000 Meeting Schedule Active Employees and Retirees without Medicare DATE LOCATION START TIME October 1 October 6 October 6 October 7 October 13 October 13 October 15 October 19 October 20 R.W. Johnson Conference Center (Franklinton Primary School) 610 T.W. Barker Dr., Franklinton, LA BREC s Independence Park Theater 7800 Independence Blvd., Baton Rouge, LA Lake Charles Civic Center 900 Lakeshore Drive, Lake Charles, LA Bossier City Civic Center 620 Benton Road, Bossier City, LA West Monroe Civic Center 901 Ridge Ave., West Monroe, LA Greater Covington Center Fuhrmann Auditorium 317 N. Jefferson Ave., Covington, LA University of New Orleans (University Center Ballroom) 2000 Lakeshore Drive, New Orleans, LA Sai Hotel and Convention Center 2301 N. MacArthur Dr., Alexandria, LA Heymann Center 1373 South College Rd., Lafayette, LA October 20 Houma Civic Center (Rooms 1 and 2) 346 Civic Center Blvd., Houma, LA :00 AM 4:00 PM 9:00 AM* 9:00 AM 9:00 AM 9:00 AM 9:00 AM 9:00 AM 9:00 AM 9:00 AM 9:00 AM

3 Pelican HRA1000 Meeting Schedule Retirees with Medicare DATE LOCATION START TIME October 2 October 7 October 7 October 8 October 14 October 14 October 16 October 20 October 21 October 21 R.W. Johnson Conference Center (Franklinton Primary School) 610 T.W. Barker Dr., Franklinton, LA BREC s Independence Park Theater 7800 Independence Blvd., Baton Rouge, LA Lake Charles Civic Center (Contraband Room) 900 Lakeshore Drive, Lake Charles, LA Bossier City Civic Center 620 Benton Road, Bossier City, LA West Monroe Civic Center 901 Ridge Ave., West Monroe, LA Greater Covington Center Fuhrmann Auditorium 317 N. Jefferson Ave., Covington, LA University of New Orleans (University Center Ballroom) 2000 Lakeshore Drive, New Orleans, LA Sai Hotel and Convention Center 2301 N. MacArthur Dr., Alexandria, LA Heymann Center 1373 South College Rd., Lafayette, LA Houma - Terrebonne Civic Center 346 Civic Center Blvd., Houma, LA :00 AM 4:00 PM 9:00 AM* 9:00 AM 9:00 AM 9:00 AM 9:00 AM 9:00 AM 9:00 AM 9:00 AM 9:00 AM

4 Pelican Plans OGB s Pelican benefit options offer low premiums, in combination with employer contributions, to create the most affordable options for enrollees in Pelican plans offer within the Blue Cross and Blue Shield nationwide network, as well as out-of-network.

5 Pelican HRA1000 The Pelican HRA1000 includes $1,000 in annual employer contributions for employee-only plans and $2,000 for family plans in a health reimbursement arrangement that can be used to offset deductibles and other out-of-pocket medical, not pharmacy, costs throughout the year. The HRA funds are available as long as you remain employed by an OGB-participating employer. Any unused funds roll up to the in-network, out-of-pocket maximum (see following chart), allowing members to build up balances that cover eligible medical expenses.

6 Pelican HRA1000 Pelican HRA1000 Employer Contribution to HRA Medical Coverage Employee- Only Employee + 1 (Spouse or Child) Employee + Children Family $1,000 $2,000 $2,000 $2,000 Deductible (in-network) $2,000 $4,000 $4,000 $4,000 Deductible (out-ofnetwork) Out-of-pocket max (innetwork) Out-of-pocket max (outof-network) $4,000 $8,000 $8,000 $8,000 $5,000 $10,000 $10,000 $10,000 $10,000 $20,000 $20,000 $20,000 Coinsurance (in-network) 20% 20% 20% 20% Coinsurance (out-ofnetwork) * 40% 40% 40% 40% Prescription Coverage Tier Member Responsibility Generic 50% up to $30 Preferred 50% up to $55 n-preferred 65% up to $80 Specialty 50% up to $80 Generic Preferred n-preferred Specialty Once you pay $1,500: $0 co-pay $20 co-pay $40 co-pay $40 co-pay *Once a member s deductible for allowable is met, he or she will pay 40% of the allowable charge, plus 100% of the difference between the allowable charge and billed amount.

7 Pelican HSA775 The Pelican HSA775 offers our lowest premium in addition to a health savings account funded by both employers and employees. Employers contribute $200, then match any employee contributions up to $575. Employees can contribute additional funds on a pre-tax basis, up to $3,350 for an individual and $6,750 for a family, to cover out-of-pocket medical and pharmacy costs. Unused funds are rolled over every year with no limit. Unlike the HRA option, the money in an HSA follows the member even if he or she changes jobs or retires. This plan is available to Active Employees only.

8 Pelican HSA775 (Active Employees only) Medical Coverage Prescription Coverage Employee- Only Employee + 1 (Spouse or child) Employee + Children Family Tier Member Responsibility* Employer Contribution to HSA $200, plus up to $575 more dollar-for-dollar match of employee contributions Generic $10 co-pay Deductible (in-network) $2,000 $4,000 $4,000 $4,000 Deductible (out-ofnetwork) Out-of-pocket max (innetwork) Out-of-pocket max (outof-network) $4,000 $8,000 $8,000 $8,000 $5,000 $10,000 $10,000 $10,000 $10,000 $20,000 $20,000 $20,000 Coinsurance (in-network) 20% 20% 20% 20% Coinsurance (out-ofnetwork)** 40% 40% 40% 40% Preferred n-preferred Specialty $25 co-pay $50 co-pay $50 co-pay *Subject to deductible and applicable copayment (except maintenance medications) **Once a member s deductible for allowable charges is met, he or she will pay 40% of the allowable charge, plus 100% of the difference between the allowable charge and billed amount.

9 HRA vs. HSA HRA vs. HSA Health Reimbursement Arrangement (HRA) Employer funds HRA Funds stay with the employer if an employee leaves an OGB-participating employer Contributions are not taxable Only employers may contribute Employer selects maximum contribution Funding Flexibility Health Savings Account (HSA) Employer and employee fund HSA Funds go with the employee when he/she leaves an OGBparticipating employer Contributions are made on a pre-tax basis Employers or employees may contribute IRS determines maximum contribution Must be paired with the Pelican HRA1000 Must be paired with the Pelican HSA 775 Contributions are the same for each employee May be used with a General-Purpose FSA HRA claims processed by the claims administrator IRS regulations and the Pelican HRA 1000 plan document govern expenses, funding and participation Can be used for medical expenses only Simplicity Eligible expenses Contributions are determined by employee and employer May be used only with a Limited-Purpose FSA Employee manages account and submits expenses to the HSA trustee for reimbursement IRS regulations govern expenses, funding and participation Can be used for pharmacy and medical expenses

10 Magnolia Local Plus (Nationwide In-Network Providers) The Magnolia Local Plus option offers the benefit of nationwide in-network providers. The Local Plus plan provides the predictability of co-payments rather than using employer funding to offset out-of-pocket costs. This plan provides care in the Blue Cross and Blue Shield nationwide network. Out-of-network is provided in emergencies only and may be subject to balance billing.

11 Magnolia Local Plus Active Employees and non-medicare retirees retirement date on or AFTER Employer Contribution to HRA/HSA Medical Coverage Employee- Only Employee + 1 (Spouse or Child) Employee + Children $0 $0 $0 $0 Deductible (in-network) $400 $800 $1,200 $1,200 Family Deductible (out-of-network) Out-of-pocket max (in-network) $2,500 $5,000 $7,500 $7,500 Out-of-pocket max (out-ofnetwork) Co-Payment (in-network) $25 / $50 $25 / $50 $25/$50 $25/$50 Co-Payment (out-of-network) Prescription Coverage Tier Member Responsibility Generic 50% up to $30 Preferred 50% up to $55 n-preferred 65% up to $80 Specialty 50% up to $80 Once you pay $1,500: Generic Preferred n-preferred Specialty $0 co-pay $20 co-pay $40 co-pay $40 co-pay

12 Magnolia Local Plus non-medicare retirees retirement date BEFORE Employer Contribution to HRA/HSA Medical Coverage Employee- Only Employee + 1 (Spouse or Child) Employee + Children $0 $0 $0 $0 Deductible (in-network) $0 $0 $0 $0 Family Deductible (out-of-network) Out-of-pocket max (in-network) $1,000 $2,000 $3,000 $3,000 Out-of-pocket max (out-ofnetwork) Co-Payment (in-network) $25 / $50 $25 / $50 $25/$50 $25/$50 Co-Payment (out-of-network) Prescription Coverage Tier Member Responsibility Generic 50% up to $30 Preferred 50% up to $55 n-preferred 65% up to $80 Specialty 50% up to $80 Once you pay $1,500: Generic Preferred n-preferred Specialty $0 co-pay $20 co-pay $40 co-pay $40 co-pay

13 Magnolia Open Access (Nationwide Providers) The Magnolia Open Access Plan offers both inside and outside of Blue Cross s nationwide network. It differs from the other Magnolia plans in that members enrolled in the open access plan will not pay co-payments at physician visits. Instead, once a member s deductible for allowable charges is met, he or she will pay 10% of the allowable amount for in-network care and 30% of the allowable amount for out-of-network care. Out-of-network care may be balance billed. Though the premiums for the open access plan are higher than OGB s other plans, its moderate deductibles combined with a nationwide network make it an attractive plan for members who live out of state or travel regularly.

14 Magnolia Open Access Active Employees and non-medicare retirees retirement date on or AFTER Employer Contribution to HRA/HSA Medical Coverage Employee- Only Employee + 1 (Spouse or Child) Employee + Children Family $0 $0 $0 $0 Deductible (in-network) $900 $1,800 $2,700 $2,700 Deductible (out-of-network) $900 $1,800 $2,700 $2,700 Out-of-pocket max (in-network) $2,500 $5,000 $7,500 $7,500 Out-of-pocket max (out-ofnetwork) $3,700 $7,500 $11,250 $11,250 Coinsurance(in-network) 10% 10% 10% 10% Coinsurance (out-of-network) 30%* 30%* 30%* 30%* Prescription Coverage Tier Member Responsibility Generic 50% up to $30 Preferred 50% up to $55 n-preferred 65% up to $80 Specialty 50% up to $80 Once you pay $1,500: Generic Preferred n-preferred Specialty $0 co-pay $20 co-pay $40 co-pay $40 co-pay *Once a member s deductible for allowable charges is met, he or she will pay 30% of the allowable charge, plus 100% of the difference between the allowable charge and billed amount for out-ofnetwork care.

15 Magnolia Open Access non-medicare retirees retirement date BEFORE Employer Contribution to HRA/HSA Medical Coverage Employee- Only Employee + 1 (Spouse or Child) Employee + Children Family $0 $0 $0 $0 Deductible (in & out-of-network) $300 $600 $900 $900 $1,300 individual; plus $1,300 per additional person up Out-of-pocket max (in-network) to 2; plus $1,00 per additional person up to 10 people; $12,700 for a family of 12+ Out-of-pocket max (out-ofnetwork) $3,300 individual; plus $3,000 per additional person up to 2;$12,700 for a family of 4+ Coinsurance(in-network) 10% 10% 10% 10% Coinsurance (out-of-network) 30%* 30%* 30%* 30%* Prescription Coverage Tier Member Responsibility Generic 50% up to $30 Preferred 50% up to $55 n-preferred 65% up to $80 Specialty 50% up to $80 Once you pay $1,500: Generic Preferred n-preferred Specialty $0 co-pay $20 co-pay $40 co-pay $40 co-pay *Once a member s deductible for allowable charges is met, he or she will pay 30% of the allowable charge, plus 100% of the difference between the allowable charge and billed amount for out-ofnetwork care.

16 Magnolia Local (Limited In-Network Provider Only Plan) The Magnolia Local plan is a limited provider in-network only plan for members who live in specific areas. Out-ofnetwork is provided in emergencies only and may be subject to balance billing. o Community Blue Community Blue is a select, local network designed for members who live in the parishes of East Baton Rouge, West Baton Rouge, Ascension, Caddo and Bossier. o BlueConnect BlueConnect is a select, local network designed for members who live in the parishes of Jefferson, Orleans and St. Tammany. You must stay in your network when receiving care. Your residence determines which Magnolia Local network you are in.

17 Magnolia Local Active Employees and non-medicare retirees retirement date on or AFTER Employer Contribution to HRA/HSA Medical Coverage Employee- Only Employee + 1 (Spouse or Child) Employee + Children $0 $0 $0 $0 Family Deductible (in-network) $400 $800 $1,200 $1,200 Deductible (out-of-network) Out-of-pocket max (in-network) $2,500 $5,000 $7,500 $7,500 Out-of-pocket max (out-ofnetwork) Co-Payment (in-network) $25 / $50 $25 / $50 $25/$50 $25/$50 Co-Payment (out-of-network) Prescription Coverage Tier Member Responsibility Generic 50% up to $30 Preferred 50% up to $55 n-preferred 65% up to $80 Specialty 50% up to $80 Once you pay $1,500: Generic Preferred n-preferred Specialty $0 co-pay $20 co-pay $40 co-pay $40 co-pay

18 Magnolia Local non-medicare retirees retirement date BEFORE Employer Contribution to HRA/HSA Medical Coverage Employee- Only Employee + 1 (Spouse or Child) Employee + Children $0 $0 $0 $0 Deductible (in-network) $0 $0 $0 $0 Deductible (out-of-network) Family Out-of-pocket max (in-network) $1,000 $2,000 $3,000 $3,000 Out-of-pocket max (out-ofnetwork) Co-Payment (in-network) $25 / $50 $25 / $50 $25/$50 $25/$50 Co-Payment (out-of-network) Prescription Coverage Tier Member Responsibility Generic 50% up to $30 Preferred 50% up to $55 n-preferred 65% up to $80 Specialty 50% up to $80 Once you pay $1,500: Generic Preferred n-preferred Specialty $0 co-pay $20 co-pay $40 co-pay $40 co-pay

19 Vantage Medical Home HMO Vantage Medical Home HMO is a patient-centered approach to providing cost-effective and comprehensive primary health care for children, youth and adults. This plan creates partnerships between the individual patient and his or her personal physician and, when appropriate, the patient s family. This plan includes a preferred provider network, Affinity Health Network (AHN), which has lower co-payments for certain covered services as indicated by AHN. This plan also includes Out-of-Network.

20 Vantage Medical Home HMO Medical Coverage Employee- Only Employee +1 (Spouse or child) Employee + Children Deductible (Tier I) $400 $800 $1,200 $1,200 Deductible (Tier II & Out-of-Network) $1,500 $3,000 $4,500 $4,500 Out-of-pocket max (Tier I) $2,500 $5,000 $5,000 $7,500 Out-of-pocket max (Tier II & Out-of-Network) Unlimited Unlimited Unlimited Unlimited Family Co-Payment PCP (Tier I) $10 AHN/$20 $10 AHN/$20 $10 AHN/$20 $10 AHN/$20 Co-Payment Specialist (Tier I) $35 AHN/$45 $35 AHN/$45 $35 AHN/$45 $35 AHN/$45 Coinsurance PCP (Out-of-Network) Coinsurance Specialist (Out-of-Network) 50% ; subject to out-of-network deductible 50% ; subject to out-of-network deductible Prescription Coverage Tier Member Responsibility Tier 1 Preferred Generics $5 Tier 2 n-preferred Generics $20 Tier 3 Preferred Brand $50 Tier 4 n-preferred Brand $80 Tier 5 Specialty $150 Tier I Providers Members seeing Tier I providers pay the Tier I co-pays, co-insurance and deductibles as listed in the Certificate of Coverage and Cost Share Schedule. Tier I consists of two networks: A preferred provider network, Affinity Health Network (AHN), which has lower co-payments for certain covered services; and A standard provider network Tier II Providers Members who chose to see these providers will have to pay an additional 20% coinsurance in addition to their Tier I cost share, after the applicable deductible is met.

21 Retiree Plans OGB retirees with Medicare have several additional options available to them. Retirees who have Medicare Part A and Part B can select from four-ogb sponsored Medicare Advantage plans: the Peoples Health HMO-POS; the Vantage Premium HMO-POS; the Vantage HMO-POS; and the Vantage Zero-Premium HMO-POS. They can also choose a Medicare Advantage plan through OneExchange (formerly Extend Health) and be enrolled in a health reimbursement arrangement (HRA) receiving HRA credits of $200 to $300 per month. Retirees can also select from five OGB plans during annual enrollment: the Pelican HRA1000 and the Magnolia plans, administered by Blue Cross and Blue Shield of Louisiana, and the Vantage Medical Home HMO plan. These plans will be secondary to Medicare.

22 Individual Medicare Plans through OneExchange OneExchange: Customize your insurance Towers Watson's OneExchange is an Individual Medicare Market Exchange offered to OGB retirees and spouses who have Medicare Parts A and B. OneExchange offers a variety medical, prescription drug, and dental plans based on an individual's provider preferences, prescription drug needs, geographic location and medical conditions. These plans may include Medicare Advantage, Medicare Supplement (or Medigap) and Medicare Part D Prescription Drug. Plan Advice and Enrollment Assistance OneExchange gives you access to licensed benefit advisors and online tools combined with comprehensive knowledge of the Medicare market. Licensed benefit advisors are available to assist you before, during and after enrollment. You can contact benefit advisors at (855) , Monday through Friday from 8:00 a.m. until 8:00 p.m. central standard time. OneExchange Health Reimbursement Arrangement (HRA) Retirees enrolled in a medical plan through OneExchange receive a Health Reimbursement Arrangement. The OneExchange HRA allows for tax-free reimbursement of qualifying medical expenses to the extent that funds are available in the HRA account. A single retiree will receive HRA credits of $200 per month and a retiree plus spouse will receive HRA credits of $300 per month from the agency you retired. Compare Plans OneExchange offers a variety of tools to help you compare insurance plans and premiums. They also offer a Prescription Profiler that uses your current and projected medication expenses to determine which plans will have the lowest estimated annual out-of-pocket cost. For a complete list of plans and providers visit: medicare.oneexchange.com/ogb or call OneExchange at Sampling of plans available through OneExchange

23 Peoples Health Medicare Advantage The Peoples Health Medicare Advantage plan offers much more than Medicare, with extra benefits like vision and dental, free health club membership and prescription drug. As a Peoples Health Group Medicare member, retirees pay a premium in addition to paying their Medicare Part B premium; retirees receive 100 percent for many services with NO Medicare deductibles. COVERED BENEFIT PEOPLES HEALTH HMO-POS PLAN YEAR DEDUCTIBLE $0 MAXIMUM OUT-OF-POCKET EXPENSE (IN-NETWORK) $2,500 MAXIMUM OUT-OF-POCKET EXPENSE (OUT-OF-NETWORK) 20% OFFICE VISIT - PRIMARY CARE / SPECIALIST EMERGENCY ROOM $5 / $10 co-pay per visit $50 ER co-pay per visit INPATIENT HOSPITAL $50 per day (days 1-10) PRESCRIPTION DRUGS (PART D) Preferred Generics $0 co-pay n-preferred Generics $0 co-pay Preferred Brand $20 co-pay (30-day supply) n-preferred Brand $40 co-pay (30-day supply) Specialty 20%

24 Vantage Health Plan Medicare Advantage For retirees who are 65 and over, Vantage offers several great Medicare Advantage plans as an alternative to Medicare. One benefit to Vantage s Medicare Advantage plans is that a network of providers is already contracted with the plan throughout Louisiana. These physicians, hospitals and specialty medical facilities have already agreed to provide health care services to treat Medicare Advantage members. COVERED BENEFIT Vantage Premium HMO-POS VANTAGE POS PLAN VANTAGE ZERO-PREMIUM HMO-POS PLAN YEAR DEDUCTIBLE N/A N/A N/A MAXIMUM OUT-OF-POCKET EXPENSE $2,000 $3,000 $6,700 OFFICE VISIT PRIMARY CARE / SPECIALIST EMERGENCY ROOM $5/$20 co-pay per visit or $0/$10 AHN co-pay per visit $50 co-pay per visit; worldwide $10/$40 co-pay per visit or $0/$30 AHN co-pay per visit $75 ER co-pay per visit - worldwide $15/$50 co-pay per visit or $5/$40 AHN co-pay per visit $75 ER co-pay per visit - worldwide INPATIENT HOSPITAL $50/per day (days 1-10) $300/day (days 1-5) $345/day (days 1-5) PRESCRIPTION DRUGS (PART D) Tier 1 Preferred Generics Tier 2 n-preferred Generics Tier 3 Preferred Brand Tier 4 n-preferred Brand Tier 5 Specialty $5 co-pay $10 co-pay $25 co-pay $50 co-pay 20% coinsurance $4 co-pay $10 co-pay $47 co-pay $100 co-pay 33% coinsurance $4 co-pay $10 co-pay $47 co-pay $100 co-pay (after $125 deductible) 25% coinsurance (after $125 deductible)

25 Dependents The following people can be enrolled as dependents: Legal spouse Children until they reach age 26 Children are defined as: Natural child of plan member or Spouse Legally adopted child or child placed for adoption Child under court ordered custody or court ordered legal guardianship (two participating plan members cannot cover the same dependent)

26 Dependents To add a newborn as a dependent, the member must provide human resources with a birth certificate or a copy of the birth letter within 30 days of the child s birth date. The birth letter will suffice as proof of parentage only if it contains the relationship of the child and the employee. If the birth certificate or birth letter is not received within 30 days, enrollment cannot take place until the next annual enrollment period*. * Subject to Plan exceptions

27 Dependent Verification Members must provide human resources with proof of the legal relationship of each newly eligible dependent. Without that documentation, enrollment cannot be completed. Acceptable documents include: Marriage Certificate Birth letter or birth certificate Legal adoption or placement for adoption papers, court ordered custody papers or court ordered legal guardianship papers, if applicable. Human Resources must verify the eligibility of newly eligible dependents.

28 Retirees OGB must be in effect immediately prior to a member s retirement to be eligible for retiree. If the member started participation or rejoined state service on or after January 1, 2002, the state contribution of their premium is based on the number of participation years in an OGB health plan. This also applies to surviving spouse who started after July 1, The participation schedule below shows the number of years a member must participate in an OGB health plan to receive a specified state contribution. Retiree Participation Schedule Years of OGB Plan Participation State s Share of Total Monthly Premium 20 years or more 75 percent 15 years but less than 20 years 56 percent 10 years but less than 15 years 38 percent less than 10 years 19 percent

29 Retirees Medicare Eligibility If a retiree or the covered spouse of a retiree is eligible for premium-free Medicare Part A (hospitalization insurance), he or she MUST ALSO enroll in Medicare Part B (medical insurance) to receive OGB benefits on Medicare Part B claims If the above applies to the member or covered spouse, he or she should visit the local Social Security office to enroll for Medicare Part B at least 3 months before his or her 65 th birthday. This does not apply to anyone who reached age 65 before July 1, 2005 If the plan member is retired but has not yet reached age 65, this will apply to the member when he or she reaches age 65. If the member reached age 65 on or after July 1, 2005, but has not retired, this will apply to the member when he or she retires. This applies to the member and covered spouse regardless of whether each has individual Medicare eligibility (under his/her own Social Security number) or one person is eligible as the dependent of another person. Retirees should bring the name(s) and social security number(s) of previous spouses (divorced or deceased spouse) so that Social Security can determine which spouse they may qualify under.

30 Sponsored by Blue Cross and Blue Shield of Louisiana Provides resources to help monitor health, understand risk factors, make educated choices that can prevent illness & manage health conditions Complete two steps to qualify for annual premium discount: 1. Schedule a wellness checkup through Catapult Health or see your MD for wellness visit and submit completed Primary Care Provider form 2. Fill out Personal Health Assessment online survey at Participation information on the 2016 plan year will be forthcoming

31 Contact Information Blue Cross Blue Shield of Louisiana Peoples Health MedImpact/Medicare Generations Rx Vantage Health Plan OneExchange medicare.oneexchange.com/ogb Discovery Benefits

32 SUPPLEMENTAL RETIREMENT PLANS 457 DEFERRED COMP 403B FIDELITY, METLIFE, TIAA-CREF, VALIC & VOYA CAN ENROLL AT ANY TIME. INCREASE/DECREASE/STOP DEDUCTS AT ANY TIME. EXCELLENT WAY TO SAY ADDITIONAL MONEY FOR RETIREMENT.

33 THINGS TO REMEMBER LSU FIRST AND VOLUNTARY PLANS ENROLLMENT ENDS 10/31/15 OGB PLANS - ENROLLMENT ENDS 11/15/15 ADDING/DELETING DEPENDENTS USE PAPER FORM AND SUBMIT MARRIAGE/BIRTH CERTIFICATE FOREIGN DOCUMENTS MUST BE TRANSLATED PRIOR TO SUBMISSION GRANDCHILDREN ONLY COVERED WITH A COURT ORDERED CUSTODY OR GUARDIANSHIP. CURRENT GRANDCHILDREN ARE GRANDFATHERED IN. FLEX SPENDING ACCOUNTS REQUIRE A NEW ENROLLMENT FORM MYLSU ACCOUNT UPDATE ADDRESS LSU FIRST MEMBERS RECEIVE NEW CARDS PREMIUMS ONLY PLAN (PRE-TAXED DEDUCTION) IS NOW MANDATORY MUST HAVE QUALIFYING EVENT TO ADD/DELETE/CANCEL FOR ALL ELIGIBLE PLANS. LSU FIRST MEMBERS MAY NEED A NEW 90 DAY PRESCRIPTION IF YOU USE MAILORDER