2018 Annual Enrollment Retirees with Medicare

Transcription

1 2018 Annual Enrollment Retirees with Medicare

2 Important Facts 1% Equivalent Plan Changes Out-of-Pocket Maximum increase of $1,000 on Magnolia Local Plus and Magnolia Open Access plans $50 emergency room copayment increase on Magnolia Local Plus plan No Action is Necessary if you would like to remain in your current OGB health plan for 2018 EXCEPT: Members enrolled in the Vantage Zero Premium Medicare Advantage plan will need to select a new plan option

3 Important Facts (continued) Coverage for Dependent Children: o Changes have been made to the eligibility for dependents Natural or Adopted/Placed Children Stepchildren Grandchildren (Unmarried; Resides with and in legal custody of Enrollee) Court-ordered Legal Custody/ Guardianship (Unmarried) Eligibility Determination Covered until they reach age 26 Covered until they reach age 26 1 Full-time students covered until age 24; non-full-time students covered until age 21 2 Full-time students covered until age 24; non-full-time students covered until age 21 2 o o Grandchildren may be covered if the grandchild is unmarried, resides with the enrollee and is in legal custody of the enrollee. Coverage will continue until age 21. If the grandchild is a full-time student coverage will continue until age 24 Dependents who are unmarried and in court-ordered legal custody/guardianship of the enrollee will be covered until age 21. If the dependent is a full-time student, coverage will continue until age 24 1 Per the plan document, stepchildren are eligible for coverage as a non-spouse dependent up to age 26 as long as the stepchild s natural parent is living and is married to the primary enrollee. 2 Authority is La. R.S. 22:1002

4 Important Facts (continued) Coverage for Dependent Children: Dependents of Dependents o OGB ceased adding new dependents of dependents as of 1/1/16 (unless other eligibility requirements were met) o Also as of 1/1/16, coverage for dependents of dependents on the plan as of 12/31/15 was grandfathered until the parent s coverage terminates. Dependents who are incapable of self-sustaining employment by reason of mental or physical impairment o o o After 1/1/18, coverage for natural or adopted children and stepchildren will be terminated at age 26 regardless of impairment After 1/1/18, other non-spouse dependents for whom the enrollee has legal custody suffering from a mental or nervous condition rendering the dependent incapable of attending school or holding self-sustaining employment may continue coverage until age 24 (La. R.S. 22:1002) Impaired dependents of enrollees whose health coverage has been extended prior to 1/1/18 will be allowed to keep their coverage, subject to an annual review of their impairment status

5 Timeline: Oct 1 Oct 15 Nov 15 Dec 7 Jan 1 OGB Annual Enrollment Begins Medicare Advantage Open Enrollment Begins OGB Annual Enrollment Ends Medicare Advantage Open Enrollment Ends 2018 plan year begins

6 During Annual Enrollment, You May: Enroll in a health plan Drop or add dependents Discontinue OGB health coverage Discontinue OGB life coverage or drop to Basic Life coverage

7 Medicare Advantage What are the advantages of enrolling in a Medicare Advantage plan? Most Medicare Advantage plans have low monthly premiums or no monthly premiums. Some plans may provide more benefits than are covered under Medicare You generally can enroll regardless of your medical history It s important to do your homework and compare plans. Medicare Advantage benefits and provider networks can vary from one plan to another. Before enrolling, make sure the benefits and rules of the plan you select meet your needs and budget. IMPORTANT! If you choose an OGB sponsored Medicare Advantage plan, you will retain the option to return to an OGB sponsored plan during the next annual enrollment period.

8 2018 Plan Options

9 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 coverage. 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

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

11 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. VANTAGE PREMIUM VANTAGE STANDARD VANTAGE BASIC COVERED BENEFIT HMO-POS HMO-POS HMO-POS PLAN YEAR DEDUCTIBLE N/A N/A N/A MAXIMUM OUT-OF-POCKET EXPENSE OFFICE VISIT PRIMARY CARE / SPECIALIST $2,000 $3,000 $6,700 $5/$20 co-pay per visit or $0/$10 AHN copay per visit $10/$40 co-pay per visit or $0/$30 AHN copay per visit $15/$50 co-pay per visit or $5/$40 AHN copay per visit EMERGENCY ROOM INPATIENT HOSPITAL PRESCRIPTION DRUGS (PART D) Tier 1 Preferred Generics Tier 2 Non-Preferred Generics Tier 3 Preferred Brand Tier 4 Non-Preferred Brand Tier 5 Specialty $80 co-pay per visit; worldwide coverage $0 FOR DAY 1,$100/DAY DAYS 2-5 AHN; or $100/per day (days 1-5) $4 co-pay $10 co-pay $25 co-pay $50 co-pay 20% coinsurance $80 ER co-pay per visit - worldwide coverage $325/day (days 1-5) or $225/day AHN (days 1-5) $4 co-pay $10 co-pay $47 co-pay $100 co-pay 33% coinsurance $80 ER co-pay per visit - worldwide coverage $360/day (days 1-5) or $260/day AHN (days 1-5) $4 co-pay $10 co-pay $47 co-pay $100 co-pay (after $125 deductible) 25% coinsurance (after $125 deductible)

12 OGB Secondary Benefit Plans Retirees can also select from five OGB benefit options during annual enrollment: Pelican HRA1000 Magnolia Local Plus Magnolia Open Access Magnolia Local Vantage Medical Home HMO plan These benefit options will be secondary to Medicare.

13 Pelican HRA1000 The Pelican HRA1000 includes $1,000 in annual employer contributions for retiree-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 enrolled in the Pelican HRA1000. Any unused funds will accrue to the in-network, out-of-pocket maximum (see following chart), allowing members to build up balances that cover eligible medical expenses.

14 Pelican HRA1000 Pelican HRA1000 Medical Coverage Employee- Only Employee + 1 (Spouse or Child) Employee + Children Family Employer Contribution to HRA $1,000 $2,000 $2,000 $2,000 Deductible (in-network) $2,000 $4,000 $4,000 $4,000 Deductible (out-of-network) $4,000 $8,000 $8,000 $8,000 Out-of-pocket max (in-network) $5,000 $10,000 $10,000 $10,000 Out-of-pocket max (out-ofnetwork) $10,000 $20,000 $20,000 $20,000 Coinsurance (in-network) 20% 20% 20% 20% Coinsurance (out-of-network) * 40% 40% 40% 40% * 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. Prescription Coverage Tier Generic Preferred Non-Preferred Specialty Member Responsibility ** 50% up to $30 50% up to $55 65% up to $80 50% up to $80 Once you, or your covered dependent(s), pay $1,500 threshold: Member Responsibility ** $0 co-pay $20 co-pay $40 co-pay $40 co-pay ** Member responsibility is for a prescription drug benefit of up to a 31 day supply.

15 Magnolia Local Plus (Nationwide In-Network Provider Plan) 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 coverage is provided in emergencies only and members may be subject to balance billing.

16 Magnolia Local Plus Medicare Retirees retirement date BEFORE Medical Coverage (Medicare Retirees) Employee- Only Employee + 1 (Spouse or child) Employee + Children Deductible (in-network) $0 $0 $0 $0 Family Deductible (out-of-network) No coverage No coverage No coverage No coverage Out-of-pocket max (in-network) $2,000 $3,000 $4,000 $4,000 Out-of-pocket max (out-of-network) No coverage No coverage No coverage No coverage Co-Payment (in-network) $25 / $50 $25 / $50 $25/$50 $25/$50 Co-Payment (out-of-network) No coverage No coverage No coverage No coverage Prescription Coverage Tier Generic Preferred Non-Preferred Specialty Member Responsibility ** 50% up to $30 50% up to $55 65% up to $80 50% up to $80 Once you, or your covered dependent(s), pay $1,500 threshold: Member Responsibility ** $0 co-pay $20 co-pay $40 co-pay $40 co-pay ** Member responsibility is for a prescription drug benefit of up to a 31 day supply.

17 Magnolia Local Plus Medicare Retirees retirement date ON or AFTER Medical Coverage (Medicare Retirees) Employee- Only Employee + 1 (Spouse or child) Employee + Children Family Deductible (in-network) $400 $800 $1,200 $1,200 Deductible (out-of-network) No coverage No coverage No coverage No coverage Out-of-pocket max (in-network) $3,500 $6,000 $8,500 $8,500 Out-of-pocket max (out-ofnetwork) No coverage No coverage No coverage No coverage Co-Payment (in-network) $25 / $50 $25 / $50 $25/$50 $25/$50 Co-Payment (out-of-network) No coverage No coverage No coverage No coverage Prescription Coverage Tier Generic Preferred Non-Preferred Specialty Member Responsibility ** 50% up to $30 50% up to $55 65% up to $80 50% up to $80 Once you, or your covered dependent(s), pay $1,500 threshold: Member Responsibility ** $0 co-pay $20 co-pay $40 co-pay $40 co-pay ** Member responsibility is for a prescription drug benefit of up to a 31 day supply.

18 Magnolia Open Access (Nationwide In and Out-of-Network Provider Plan) The Magnolia Open Access Plan offers coverage 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 20% of the allowable amount for in-network care and 20% 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 desire the flexibility to use an out-of-network provider.

19 Magnolia Open Access Medicare Retirees retirement date BEFORE Medical Coverage (Medicare Retirees) Employee-Only Employee + 1 (Spouse or child) Employee + Children Family Deductible (in-network) Deductible (out-of-network) $300 $600 $900 $900 Out-of-pocket max (in-network) Out-of-pocket max (out-ofnetwork) $3,300 individual; plus $2,300 per additional person up to 2; plus $2,000 per additional person up to 2 additional people; $13,700 for a family of 5+ Coinsurance(in-network) 20% 20% 20% 20% Coinsurance (out-of-network) 20% 20% 20% 20% Prescription Coverage Tier Generic Preferred Non-Preferred Specialty Member Responsibility ** 50% up to $30 50% up to $55 65% up to $80 50% up to $80 Once you, or your covered dependent(s), pay $1,500 threshold: Member Responsibility ** $0 co-pay $20 co-pay $40 co-pay $40 co-pay ** Member responsibility is for a prescription drug benefit of up to a 31 day supply.

20 Magnolia Open Access Medicare Retirees retirement date on or AFTER Medical Coverage (Medicare Retirees) Employee-Only Employee + 1 (Spouse or child) Employee + Children Family 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) $3,500 $6,000 $8,500 $8,500 Out-of-pocket max (out-ofnetwork) $4,700 $8,500 $12,250 $12,250 Coinsurance(in-network) 20% 20% 20% 20% Coinsurance (out-of-network) 20% 20% 20% 20% Prescription Coverage Tier Generic Preferred Non-Preferred Specialty Member Responsibility ** 50% up to $30 50% up to $55 65% up to $80 50% up to $80 Once you, or your covered dependent(s), pay $1,500 threshold: Member Responsibility ** $0 co-pay $20 co-pay $40 co-pay $40 co-pay ** Member responsibility is for a prescription drug benefit of up to a 31 day supply.

21 Retiree 100 Retired enrollees in the Magnolia Open Access benefit option who have Medicare Part A and Part B as their primary insurer are eligible to participate in the Retiree 100 program. This program serves as additional coverage for enrollees who have extensive hospital bills and/or large amounts of physician charges due to a serious illness, accident or long-term chronic condition. Not All Expenses Are Eligible Retiree 100 coordinates only those expenses considered eligible for reimbursement by both Medicare and the Magnolia Open Access plan and does not include prescription drugs. Premiums The monthly premium for Retiree 100 is $39.00 per person in addition to your monthly OGB premium. There is no state contribution toward the premium amount; you must pay the entire cost for Retiree 100 coverage. Enrollment If you are already retired, you can enroll during the annual enrollment period held each year. Also, you can enroll within 30 days after the date you first became eligible for Medicare (Parts A and B). Coverage becomes effective on the first day of the month you became eligible for Medicare.

22 Magnolia Local (Limited In-Network Provider Plan) The Magnolia Local plan is a limited provider innetwork only plan for members who live in specific coverage areas. Magnolia Local is a health plan for members who want local access, affordable premiums and a new approach to health care. Out-of-network coverage is provided only in emergencies and members may be subject to balance billing.

23 Magnolia Local What is different about Magnolia Local? Your network of doctors and hospitals is more defined than other plans. You still have a full network of primary care doctors, specialists and other healthcare providers in your area. You have a coordinated care team that talks to one another and helps you get the right care in the right place. Staying in network is very important! Your residence will determine which Magnolia Local network you will use. Before you choose Magnolia Local, consider this: Which doctors/clinics/hospitals do you go to the most? Are those providers in this network? Staying in network is very important! As long as you receive care within your network, you will pay less than if you receive care outside of the network.

24 Magnolia Local Magnolia Local has two networks: Community Blue Community Blue is a select, local network designed for members who live in the parishes of Ascension, East Baton Rouge, Livingston & West Baton Rouge. You have access to the following hospital in the Baton Rouge region: Baton Rouge Region Baton Rouge General Hospital Blue Connect BlueConnect is a select, local network designed for members who live in the parishes of Acadia,, Bossier, Caddo, Evangeline, Iberia, Jefferson, Lafayette, Orleans, Plaquemines, St. Bernard, St. Charles, St. John the Baptist, St. Landry, St. Martin, St. Tammany & Vermilion. You have access to the following hospitals in the Greater New Orleans, Lafayette, Shreveport and St. Tammany regions: Greater New Orleans Region Ochsner Health System St. Tammany Region Ochsner Medical Center Northshore St. Tammany Parish Hospital Lafayette Region Lafayette General Health System Opelousas General Abbeville General Hospital Iberia Medical Center Shreveport Region CHRISTUS Schumpert of Shreveport

25 Magnolia Local Medicare Retirees retirement date BEFORE Medical Coverage (Medicare Retirees) Employee- Only Employee + 1 (Spouse or child) Employee + Children Family Deductible (in-network) $0 $0 $0 $0 Deductible (out-of-network) No coverage No coverage No coverage No coverage Out-of-pocket max (in-network) $1,000 $2,000 $3,000 $3,000 Out-of-pocket max (out-ofnetwork) No coverage No coverage No coverage No coverage Co-Payment (in-network) $25 / $50 $25 / $50 $25/$50 $25/$50 Co-Payment (out-of-network) No coverage No coverage No coverage No coverage Prescription Coverage Tier Generic Preferred Non-Preferred Specialty Member Responsibility ** 50% up to $30 50% up to $55 65% up to $80 50% up to $80 Once you, or your covered dependent(s), pay $1,500 threshold: Member Responsibility ** $0 co-pay $20 co-pay $40 co-pay $40 co-pay ** Member responsibility is for a prescription drug benefit of up to a 31 day supply.

26 Magnolia Local Medicare Retirees retirement date ON or AFTER Medical Coverage (Medicare Retirees) Employee- Only Employee +1 (Spouse or child) Employee + Children Family Deductible (in-network) $400 $800 $1,200 $1,200 Deductible (out-of-network) No coverage No coverage No coverage No coverage Out-of-pocket max (in-network) $2,500 $5,000 $7,500 $7,500 Out-of-pocket max (out-ofnetwork) No coverage No coverage No coverage No coverage Co-Payment (in-network) $25 / $50 $25 / $50 $25/$50 $25/$50 Co-Payment (out-of-network) No coverage No coverage No coverage No coverage Prescription Coverage Tier Generic Preferred Non-Preferred Specialty Member Responsibility ** 50% up to $30 50% up to $55 65% up to $80 50% up to $80 Once you, or your covered dependent(s), pay $1,500 threshold: Member Responsibility ** $0 co-pay $20 co-pay $40 co-pay $40 co-pay ** Member responsibility is for a prescription drug benefit of up to a 31 day supply.

27 Magnolia Local & Local Plus Examples of Additional Plan Co-payments Service (In-Network) Co-payment Ambulance Ground $50 Ambulatory/Outpatient Surgical Center (Facility Charge) Emergency Room (Facility Charge) High Tech Imaging Outpatient (Facility Charge) Inpatient Hospital Admission Mental Health - Inpatient (Facility Charge) Pregnancy Care Physician Services Skilled Nursing Facility $100 $200 copayment per visit (MLP); waived if admitted $150 copayment per visit (ML); waived if admitted $50 $100 co-payment per day; max $300 per admission $100 co-payment per day; max $300 per admission $90 co-payment per pregnancy $100 co-payment per day; max $300 per admission Eligible expenses are reimbursed in accordance with a fee schedule of maximum allowable charges, not billed charges.

28 Magnolia Local Plus and Local Examples of Services Subject to the Plan Year Deductible Service (In-Network) Inpatient/Outpatient Professional Services Chemotherapy/Radiation Therapy Outpatient Facility X-ray and Laboratory Services (low tech imaging) Hospital Facility Emergency Medical Services Dialysis Home Health Care Hospice Care Allergy Injections and Serum When no other service is received Oral Surgery Not performed in a Physicians Office Eligible expenses are reimbursed in accordance with a fee schedule of maximum allowable charges, not billed charges.

29 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. 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 coverage.

30 Vantage Medical Home HMO Retirees with Medicare retirement date BEFORE Medical Coverage Retiree + 1 Retiree-Only Retiree + Children (Spouse or Child) Deductible (In-Network) $0 $0 $0 $0 Family Deductible (Out-of-Network) $1,500 $3,000 $4,500 $4,500 Out-of-pocket max (In-Network) $2,000 $3,000 $4,000 $4,000 Out-of-pocket max (Out-of-Network) Not Applicable Not Applicable Not Applicable Not Applicable Co-Payment PCP (In-Network) $10 AHN/$20 $10 AHN/$20 $10 AHN/$20 $10 AHN/$20 Co-Payment Specialist (In-Network) $35 AHN/$45 $35 AHN/$45 $35 AHN/$45 $35 AHN/$45 Coinsurance PCP (Out-of-Network) 50% coverage; subject to out-of-network deductible Coinsurance SPC (Out-of-Network) 50% coverage; subject to out-of-network deductible Prescription Coverage Tier Member Responsibility Tier 1 Preferred Generics $5 Tier 2 Non-Preferred Generics $20 Tier 3 Preferred Brand $50 Tier 4 Non-Preferred Brand $80 Tier 5 Specialty $150 In-Network Providers Members seeing In-Network providers pay the In-Network co-pays, coinsurance and deductibles as listed in the Certificate of Coverage and Cost Share Schedule. Vantage s network consists of two participating provider networks: A preferred provider network, Affinity Health Network (AHN), which has lower co-payments for certain covered services; and A standard provider network

31 Vantage Medical Home HMO Retirees with Medicare retirement date ON or AFTER Medical Coverage Retiree + 1 Retiree-Only (Spouse or Child) Retiree + Children Deductible (In-Network) $400 $800 $1,200 $1,200 Deductible (Out-of-Network) $1,500 $3,000 $4,500 $4,500 Out-of-pocket max (In-Network) $3,500 $6,000 $8,500 $7,500 Family Out-of-pocket max (Out-of-Network) Not Applicable Not Applicable Not Applicable Not Applicable Co-Payment PCP (In-Network) $10 AHN/$20 $10 AHN/$20 $10 AHN/$20 $10 AHN/$20 Co-Payment Specialist (In-Network) $35 AHN/$45 $35 AHN/$45 $35 AHN/$45 $35 AHN/$45 Coinsurance PCP (Out-of-Network) Coinsurance SPC (Out-of-Network) Prescription Coverage Tier Member Responsibility Tier 1 Preferred Generics $5 Tier 2 Non-Preferred Generics $20 Tier 3 Preferred Brand $50 Tier 4 Non-Preferred Brand $80 Tier 5 Specialty $150 50% coverage; subject to out-of-network deductible 50% coverage; subject to out-of-network deductible In-Network Providers Members seeing In-Network providers pay the In-Network co-pays, coinsurance and deductibles as listed in the Certificate of Coverage and Cost Share Schedule. Vantage s network consists of two participating provider networks: A preferred provider network, Affinity Health Network (AHN), which has lower co-payments for certain covered services; and A standard provider network

32 OGB encourages you to make sure you choose a doctor or hospital in your provider network when you need healthcare. By choosing network providers, you avoid the possibility of having your provider bill you for amounts in addition to applicable co-payments, coinsurance, deductibles and non-covered services. (Often referred to as balance billing.)

33 2018 Enrollment

34 How to Enroll Retired employees may make changes to their OGB coverage through one of the options listed below: Enroll in a health plan with the same covered dependents as 2017 Enroll in a health plan with different or new covered dependents than 2017 Annual Enrollment Portal Annual Enrollment Form OGB ** ** Add or drop dependent(s) ** Discontinue OGB health or life insurance coverage ** ** Retirees: Mail or fax a letter to OGB with your change request. If adding a dependent, please include a copy of the applicable dependent verification documents, such as d marriage certificate and/or birth certificate. Mail to: OGB, P.O. Box 44036, Baton Rouge, LA or Fax to (225)

35 Annual Enrollment Portal Members wishing to change health plans with the same covered dependents as their 2017 plan are eligible to use the annual enrollment portal to make their 2018 selection. To enroll using the annual enrollment portal: Follow the links from the OGB homepage (info.groupbenefits.org) to the annual enrollment portal

36 Annual Enrollment Portal Log into the portal by entering your last name, date of birth, the last four digits of your Social Security Number and your zip code

37 Annual Enrollment Portal Confirm your contact information

38 Annual Enrollment Portal Make your plan selection

39 Annual Enrollment Portal Review selections and click Confirm to save changes and view conformation page; click Change to revise your selections

40 Annual Enrollment Portal Print/ /Save confirmation page and click Logout to exit the portal; click Change to revise your selections

41 Annual Enrollment Paper Form If an enrollee cannot access the annual enrollment portal, they can make their benefit selection using the annual enrollment form in the enrollment guide.

42 Other Benefit Offerings

43 Life Insurance OGB offers two fully-insured life insurance plans (Basic and Basic Plus Supplemental) for employees and retirees. Effective January 1, 2018, life insurance premium rates will be determined by age. The payout amounts remain the same as shown in the following charts.

44 Life Insurance Details about the Basic Life and the Basic Plus Supplemental plan and the corresponding amounts of dependent insurance offered under the plan are noted below. Basic Life OPTION 1 OPTION 2 Employee $5,000 Employee $5,000 Spouse $1,000 Spouse $2,000 Each Child $500 Each Child $1,000 Basic Plus Supplemental OPTION 1 OPTION 2 Employee Schedule to max of $50,000** Employee Spouse $2,000 Spouse $4,000 Each Child $1,000 Each Child $2,000 ** Amount based on employee s annual salary Schedule to max of $50,000**

45 Life Insurance Coverage Reductions Plan members will change premium rate age brackets on January 1 following their birthday Plan members enrolled in life insurance coverage will automatically have 25 percent reduced coverage on January 1 following their 65th birthday. Another automatic 25 percent reduction in coverage will take effect on January 1 following their 70th birthday. Premium rates will be reduced accordingly.

46 Wellness

47 Sponsored by Blue Cross and Blue Shield of Louisiana Wellness Campaign is October 1, 2017 through August 31, 2018 Clinic information for the 2019 plan year discount will be forthcoming Members must complete the 1 step process every year to receive the premium credit for the following plan year o Schedule a wellness checkup through Catapult Health or see your MD for wellness visit and submit completed Primary Care Provider form

48 Quitter s Circle Smoking Cessation

49 Quitter s Circle is a Digital Ecosystem That Includes a Website, Social Media Channels, and a Mobile App Website: Social Media Channels: Mobile App: Content includes tips and insights for both quitters and supporters Facebook and Twitter channels enable quitters to participate in a supportive community Allows users to: Develop a personalized Quit Plan with customized content based on individual progress Create a supportive Quit Team to motivate and keep track of their quit-smoking journey 49

50 Quitter s Circle Mobile App Offers Education, Encouragement, and Tools to Create a Quit Plan App Highlights: Personalized Quit Plan: Allows users to design their own smoking cessation plan, which updates regularly based on user responses and current progress in their quit-smoking journey Quit Team: Gives users the option to invite family and friends who can follow their quit journey, receive alerts when a quitter may need encouragement, and send and receive motivational messaging Quit smoking resources: Include links to 150+ engaging articles that offer inspiration and information to learn more about quitting smoking Quit Plan Content: Educational, personalized, and action-oriented: - Prior to their selected quit date, users complete 36+ activities and reminders to prepare them - After the quit date, quitters can utilize 32+ resources for tips and advice to help manage urges to smoke, as well as 74+ daily quit tips to help maintain their quit 50

51 Contact Information

52 Vendor Contact Information Blue Cross Blue Shield of Louisiana Peoples Health Vantage Health Plan OneExchange medicare.oneexchange.com/ogb Medicare Generations Rx

53 OGB Contact Information info.groupbenefits.org annualenrollment.groupbenefits.org Customer Service: :00 a.m. 4:30 p.m. Monday - Friday Location: Claiborne Building 1201 N. Third St Suite G-159 Baton Rouge, LA 70802

54 Questions?