City of Charlotte Retiree Benefits Program Your Retiree Health Benefits

Transcription

1 c / o AmWINS Group Benefits 50 Whitecap Drive North Kingstown, RI City of Charlotte Retiree Benefits Program Your Retiree Health Benefits

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3 City of Charlotte 2018 Retiree Medical and Prescription Drug Plan Benefits As the insurance administrator of the City of Charlotte s Retiree Medical Program, AmWINS Group Benefits, a division of AmWINS Group Inc., is pleased to contact you regarding your eligibility for retiree medical and prescription drug insurance. The program is available to qualified City retirees and their dependents, who are age 65, no longer working, eligible for Medicare and enrolled in Medicare Parts A and B. You must be enrolled in Medicare Part A and B in order to stay on the City s medical and prescription drug plan. If you have not already done so, please contact your local Social Security office for information on enrolling in Medicare Parts A and B. You can also contact Social Security at or apply online at: The Retiree Medical Plan picks up where Medicare leaves off and is underwritten by Transamerica Premier Life Insurance Company. This medical plan is based on utilizing Medicare directly as your primary coverage source to assist with some out-of-pocket cost (deductibles and coinsurance within Medicare Parts A & B). In addition, the plan includes prescription drug coverage, utilizing Medicare Part D coverage for prescription drugs. The Medicare Part D Prescription Drug Plan is underwritten by Transamerica Life Insurance Company and offered by Medicare Generation Rx. We realize that having quality health insurance is extremely important to you. We hope that you will find that this plan offers a combination of coverage and exceptional service a good value for your health insurance dollars. How to Enroll Review the information in this booklet Complete and sign the enclosed enrollment forms Completing this form automatically enrolls you in Transamerica s Retiree Medical Plan and the Medicare GenerationRx Prescription Drug Plan. Return the above items in the postage-paid return envelope. If you choose to opt out of the City of Charlotte retiree plan, complete the enclosed Waiver of Coverage and return in the postage-paid return envelope. We look forward to serving you and assure you that your retiree health program is in excellent hands with AmWINS as your plan administrator. For questions on your enrollment, call AmWINS at Monday - Friday, 8 a.m. to 8 p.m. Or visit Materials must be received to activate your benefits.

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5 Retiree Medical Insurance Plan Summary of Benefits Underwritten by: Transamerica Premier Life Insurance Company Part A Deductible: $268 (20% of Part A Deductible) Part B Deductible: $28.00 Part B Co-Insurance: 4% Part B Out-of-Pocket Max: $2, (Includes Part B Deductible) Lifetime Maximum: Unlimited MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD* Services Medicare Pays Plan Pays You Pay HOSPITAL CONFINEMENT BENEFIT * Semiprivate room and board, general nursing and miscellaneous services and supplies: $1,072 First 60 days All but $1,340 (80% of Part A Deductible) 61 st through 90 th day 91 st through 150 th day (While using 60 lifetime reserve days) Once Lifetime Reserve days are used: All but $335 per day All but $670 per day $268 (20% of Part A Deductible) $335 per day $0 $670 per day $0 Additional 365 days: $0 100% of Medicare Eligible Expenses $0 Beyond the Additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE * You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital: First 20 days All approved amounts $0 $0 21st through 100th day All but $ a day Up to $134 per day (80% of balance) 101st day and after $0 $0 All costs BLOOD DEDUCTIBLE Hospital Confinement and Out-Patient Medical Expense When furnished by a hospital or skilled nursing facility during a covered stay. First 3 pints $0 80% 20% Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services. All but very limited coinsurance for outpatient drugs and inpatient respite care $33.50 per day (20% of balance) 80% 20% City of Charlotte CW

6 Retiree Medical Insurance Plan Summary of Benefits Underwritten by: Transamerica Premier Life Insurance Company MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR Services Medicare Pays Plan Pays You Pay OUT-PATIENT MEDICAL EXPENSES - - In or Out of the Hospital and Out-Patient Hospital Treatment, such as Physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment: Medicare Part B Deductible: First $ s of Medicare-approved amounts** Next Medicare-approved amounts Generally 80% Remainder of Medicare-approved amounts Outpatient Mental Illness for most outpatient mental illness services Part B Excess Charges (Above Medicare Approve Amounts) BLOOD $0 $155 $28 16% until $2,500 OOP Max is met 4% until $2,500 OOP Max is met Generally 80% Generally 20% 0% 60% 32% 8% $0 $0 100% First 3 pints $0 All costs $0 Medicare Part B Deductible: First $ s of Medicare-approved amounts** Next Medicare-approved amounts Generally 80% $0 $155 $28 16% until $2,500 OOP Max is met 4% until $2,500 OOP Max is met Remainder of Medicare Approved Amounts 80% 20% $0 CLINICAL LABORATORY SERVICES Blood tests for Diagnostic Services 100% $0 $0 MEDICARE PARTS A & B Services Medicare Pays Plan Pays You Pay PREVENTATIVE HEALTH CARE Medicare-covered: Periodic Health Screenings (please Balance 100% refer to your certificate (if applicable) $0 HOME HEALTH CARE Medicare Approved Services: Medically necessary skilled care services and medical supplies 100% $0 $0 DURABLE MEDICAL EQUIPMENT First $ s of Medicare Approved Amounts** Next Medicare-approved amounts Generally 80% Remainder of Medicare Approved Amounts $0 $155 $28 16% until $2,500 OOP Max is met 4% until $2,500 OOP Max is met 80% 20% $0 City of Charlotte CW

7 Retiree Medical Insurance Plan Summary of Benefits Underwritten by: Transamerica Premier Life Insurance Company OTHER BENEFITS NOT COVERED BY MEDICARE Services Medicare Pays Plan Pays You Pay FOREIGN TRAVEL - Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA: First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime maximum of $50,000 20% and amounts over the $50,000 lifetime max *A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. **Once you have been billed the first dollars of Medicare-Approved amounts for covered services (which are noted with two asterisks), your Medicare Part B Deductible will have been met for the calendar year. Benefits are paid only for those expenses which have been approved as eligible by the federal Medicare program. Benefits will not be paid for any expenses which are not determined to be Medicare Eligible Expenses by the Federal Medicare Program or its administrators, except as otherwise specified. The summary of program benefits described herein is for illustrative purposes only. In case of differences or errors, the Group Policy governs. City of Charlotte CW

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9 2018 Prescription Drug Plan Summary Underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA Medicare GenerationRx TM (Employer PDP) 4-Tier Medicare Part D Plan This plan offers a four-tier co-payment plan for prescription drugs. This is a plan with a $100 annual deductible for brand and specialty drugs. You will be responsible for a co-payment for your prescription drugs. If your out-of-pocket costs reach $5,000 ( Catastrophic Limit ), your co-payment will be reduced to the greater of a $3.35 co-payment for generic drugs (including brand drugs treated as generic) and a $8.35 co-payment for all other drugs, or a 5% co-insurance. Deductible: Copay: *After your total yearly drug costs reach $3,750 you will pay the same co-payment schedule as noted above. The co-payments shown already include the manufacturer discounts on brand name drugs provided through the Medicare Coverage Gap Discount Program. The Medicare Coverage Gap Discount Program provides manufacturer discounts on brand name drugs to Part D enrollees who have reached the Coverage Gap and are not already receiving Extra Help. The amount discounted by the manufacturer counts toward your out-of-pocket costs as if you had paid this amount and moves you through the Coverage Gap. Medicare GenerationRx is underwritten by Transamerica Life Insurance Company (Cedar Rapids, IA), an employer group waiver plan and PDP plan sponsor with a Medicare contract. Enrollment in this plan depends on contract renewal. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or co-payments/coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. Transamerica 4T- City of Charlotte Medicare GenerationRx Medicare Part D Plan $100 for brand and specialty drugs (Deductible does not apply toward generic drugs) Retail Retail Mail Order (31 Days) (90 Days) (90 Days) Generic Tier $12 $30 $30 Preferred Brand Tier $40 $100 $100 Non-Preferred Brand Tier 50% to $125 Max 50% to $250 Max 50% to $250 Max Specialty Tier Coverage in Gap * : 50% to $125 Max 50% to $125 Max (30-Day Only) Same copay schedule as above 50% to $125 Max (30-Day Only)

10 City of Charlotte Retiree Medical Insurance Monthly Premiums 2018 Medicare Eligible Retirees AmWINS (Transamerica/MedGenerationRx) Tier Retiree Share City Share Total Rate 20+ Years of City Service & Hired Before 1/1/2002 OR Disability Retirement prior to 11/1/2010 OR Retired Prior to 1/1/1991 Medicare Retiree $ $ $ Medicare Retiree & Medicare Spouse $ $ $ Years of City Service OR Hired between 1/1/2002-6/30/2009 with 20 Years of City Service Medicare Retiree $ $ $ Medicare Retiree & Medicare Spouse $ $ $ Years of City Service Medicare Retiree $ $0.00 $ Medicare Retiree & Medicare Spouse $ $0.00 $

11 RETIREE MEDICAL & PRESCRIPTION DRUG PLAN ELECTION FORM City of Charlotte Medical plan is underwritten by: Transamerica Premier Life Insurance Company Prescription Drug Plan is underwritten by: Transamerica Life Insurance Company as Medicare GenerationRx (Employer PDP) You must return your election form to put your coverage in force! Retiree Information (Please print) Name Address Date of Birth Social Security Number City Gender Phone Number State Zip Code Medicare ID# (from Medicare ID card): Hospital (Part A) effective date (from Medicare ID card): Medical (Part B) effective date (from Medicare ID card): Address Date of Retirement Spouse Information (if enrolling) Name Gender Date of Retirement Hospital (Part A) effective date (from Medicare ID card): Please Choose Type of Coverage Effective Date: /1/2018 Check Desired Coverage: Date of Birth Social Security Number Medicare ID# (from Medicare ID card): Medical (Part B) effective date (from Medicare ID card): Retiree Only Spouse Only Retiree & Spouse Medical Plan + Prescription Drug Plan (continue to next page) LM1000GAM Page 1 of 3 Tracking # CW

12 RETIREE MEDICAL & PRESCRIPTION DRUG PLAN ELECTION FORM Please Complete the Following Information: Do you (or your spouse, if enrolling) currently have any Medicare Supplement policies or certificates in force (including Health Maintenance Organization contract or Health care service contract)? Retiree (if enrolling): Yes No Spouse (if enrolling): Yes No a) If YES*, with which company? b) What kind of policy / certificate? c) Length of time you have had coverage? Years Months d) Will you be replacing the above listed policy/certificate upon acceptance of this enrollment form? Yes No *I understand it is my responsibility, if I desire to do so, to cancel my current coverage, if any, by notifying the Provider or Plan Administrator of such coverage. FRAUD WARNING California law prohibits an HIV test from being required or used by health insurance companies as a condition of obtaining health insurance coverage. Fraud Warning: AR, CO, KY, LA, ME, NM, OH, OK, TN and WA Residents: Any person who knowingly and with intent to injure, defraud or deceive any insurer files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a crime and may be subject to fines or confinement in prison. MD Residents: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. FRD1000A.MD. DC Residents: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. NJ Residents: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. PA Residents: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. (continue to next page) LM1000GAM Page 2 of 3 Tracking # CW

13 RETIREE MEDICAL & PRESCRIPTION DRUG PLAN ELECTION FORM Release of Information: By joining this medical and Medicare prescription drug plan, I acknowledge that my information will be released to Medicare and other plans as is necessary for treatment, payment and health care operations. The information on this enrollment form is correct to the best of my knowledge. I understand that if I intentionally provide false information on this form, I will be disenrolled. I understand that my signature (or that of the person authorized to act on my behalf under State law where I live) on this application means that I have read and understand the contents of this application. If signed by an authorized individual, this signature certifies that this person is authorized under State law to complete this enrollment and documentation of this authority is available upon request by Medicare. I understand that my signature (or the signature of the person authorized to act on my behalf under State law where I live) on this form means that I have read and understand the contents of the Medicare GenerationRx (Employer PDP) Important Information about Your Prescription Drug Coverage document. Date: Date: Retiree Signature: Spouse/Surviving Spouse Signature: If you are an authorized representative, you must sign above and provide the following information: Name: Address: Phone Number: Relationship to Retiree: Please return signed election form to: AmWINS Group Benefits 50 Whitecap Drive, North Kingstown, RI For Customer Service, please call: Monday through Friday, 8:00 AM to 8:00 PM EST LM1000GAM Page 3 of 3 Tracking # CW

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15 Medicare GenerationRx (Employer PDP) IMPORTANT INFORMATION ABOUT YOUR PRESCRIPTION DRUG COVERAGE PLEASE READ THIS IMPORTANT INFORMATION ABOUT MEDICARE GENERATIONRX (EMPLOYER PDP) If you are a member of a Medicare Advantage Plan (like an HMO or PPO), you may already have prescription drug coverage from your Medicare Advantage Plan that will meet your needs. By joining Medicare GenerationRx, your membership in your Medicare Advantage Plan may end. This will affect both your doctor and hospital coverage as well as your prescription drug coverage. Read the information that your Medicare Advantage Plan sends you and if you have questions, contact your Medicare Advantage Plan. If you need have special needs or need translation of this material in another format or language, please contact Medicare GenerationRx Member Services toll free at1-877-medrxhelp ( ) (TTY users should dial 711), 24 hours a day, 365 days a year. ENROLLMENT AUTHORIZATION: I agree to the following: a) Medicare GenerationRx is a Medicare-approved Part D Sponsor and has a contract with the Federal Government. b) I understand that this prescription drug coverage is in addition to my coverage under Medicare; therefore, I will need to keep my Medicare Part A or Part B coverage. It is my responsibility to inform Medicare GenerationRx of any prescription drug coverage that I have or may get in the future. I can only be in one Medicare prescription drug plan at a time if I am currently in a Medicare Prescription Drug Plan, my enrollment in Medicare GenerationRx will end that enrollment. c) Enrollment in this plan is generally for the entire year. Once I enroll, I may leave this plan or make changes if an enrollment period is available, generally during the Annual Enrollment Period (October 15- December 7), or based on my open enrollment for my retiree group plan, unless I qualify for certain special circumstances. d) Medicare GenerationRx serves a specific service area. If I move out of the area that Medicare GenerationRx serves, I need to notify the plan so I can disenroll and find a new plan in my new area. e) I understand that I must use network pharmacies except in an emergency when I cannot reasonably use Medicare GenerationRx network pharmacies. f) Once I am a member of Medicare GenerationRx, I have the right to appeal plan decisions about payment or services if I disagree. I will read the Evidence of Coverage document from Medicare GenerationRx when I get it to know which rules I must follow to get coverage. g) I understand that if I leave this plan and don t have or get other Medicare prescription drug coverage or creditable prescription drug coverage (as good as Medicare s), I may have to pay a late enrollment penalty in addition to my premium for Medicare prescription drug coverage in the future. h) I understand that benefits, premiums and cost sharing may change during the employer group s renewal period. i) I understand that if I am getting assistance from a sales agent, broker, or other individual employed by or contracted with Medicare GenerationRx, he/she may be paid based on my enrollment in Medicare GenerationRx. j) Counseling services may be available in my state to provide advice concerning Medicare supplement insurance or other Medicare Advantage or Prescription Drug Plan options, medical assistance through the state Medicaid program, and the Medicare Savings Program. k) I understand that if I obtain prescriptions outside the Medicare GenerationRx network, I may be required to pay any difference between the billed and allowed amount. S9579_13_IMPINFO

16 RELEASE OF INFORMATION By joining this Medicare prescription drug plan, I acknowledge that Medicare GenerationRx will release my information to Medicare and other plans as is necessary for treatment, payment and health care operations. I also acknowledge that Medicare GenerationRx will release my information, including my prescription drug event data, to Medicare, who may release it for research and other purposes which follow all applicable Federal statutes and regulations. PAYING YOUR PLAN PREMIUM For information concerning the actual premiums you will pay and how you will pay, please contact your employer group benefits plan administrator. Depending on our contract with your employer group, we may bill you for your monthly premium, or you may send your payment to your employer group. Deduction from your monthly Social Security benefit check is NOT an option for Employer Group Part D plans like this one. Members who fail to pay the monthly premium may be disenrolled from Medicare GenerationRx. People with limited incomes may qualify for extra help to pay for their prescription drug costs. If you qualify, Medicare could pay for 75% or more of your drug costs including monthly prescription drug premiums, annual deductibles, and co-insurance. Additionally, those who qualify won t have a coverage gap or a late enrollment penalty. Many people are eligible for these savings and don t even know it. For more information about this extra help, contact your local Social Security office, or call Social Security at TTY users should call You can also apply for extra help online at If you qualify for extra help with your Medicare prescription drug coverage costs, Medicare will pay all or part of your plan premium. If Medicare pays only a portion of this premium, we will bill you for the amount that Medicare doesn t cover. If we need to bill you, you will pay your monthly plan premium (including any late enrollment penalty you may owe) by mail each month. You will receive a bill each month. Please contact your employer group benefits plan administrator for more information. If you are assessed a Part D-Income Related Monthly Adjustment Amount, you will be notified by the Social Security Administration. You will be responsible for paying this extra amount in addition to your plan premium. You will be billed directly by Medicare. Do NOT pay the Part D-IRMAA extra amount to Medicare GenerationRx.

17 WAIVER of COVERAGE If you DO NOT wish to enroll in the City of Charlotte Plan(s), please complete, sign and return this Waiver of Coverage form. Retiree Spouse (or Surviving Spouse) Name: Name: Address: Address: City: City: State: Zip Code: State: Zip Code: Please Sign & Date Below: NO, DO NOT ENROLL ME (us) in the City of Charlotte Plan(s). I (we) understand that by choosing this option, I am (we are) declining medical and prescription drug coverage. I also understand that I cannot re-enroll until the next Open Enrollment period unless I have a qualified family status change. I must complete the enrollment form within 31 days of the qualified family status change. Retiree: Date: Spouse (or Surviving Spouse): Date: All applicable signatures are required for individuals declining coverage in the Plan. Reason for Declining Coverage:

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19 The City requires documentation to add dependents who are not currently covered under the City s plans. Dependent Adopted Child Child(ren) (Natural) Disabled Child Grandchild Other Child Stepchild Spouse Required Documentation Proof of adoption or adoption placement Copy of legal adoption papers indicating adoption petition has been filed Proof of birth Copy of birth certificate with parent s name listed Proof of birth Copy of birth certificate with parent s name listed AND Handicap certification from medical professional Proof of legal custody or guardianship Copy of custody papers or legal guardian papers Proof of legal custody or guardianship Copy of custody papers or legal guardian papers Proof of birth Copy of birth certificate with parent s name listed AND Proof of marriage Copy of marriage certificate or tax return showing dependency status of spouse Proof of marriage Copy of marriage certificate AND Secondary Proof of Current Spousal Relationship Status (must show employee s and spouses names and current address) Secondary Documentation MUST be Current: Federal income tax return or Joint bank/credit account statement or Joint mortgage/lease agreement or Mortgage statement or Property tax document or Rental/lease agreement or Homeowners/renters insurance policy or Loan obligation *NOTE: New Dependents can only be added at Open Enrollment or with a Family Status Change

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21 ANSWERS to YOUR QUESTIONS Q: Who can I call if I have questions? A: Please contact the AmWINS Group Benefits Customer Care Center toll-free at , Monday through Friday, from 8 a.m. to 8 p.m. EST or visit cityofcharlotte.amwins.com. Q: How does the plan work? A: Medicare has coverage gaps which are the costs that you must pay, like coinsurance, co-payments, and deductibles. This plan helps fill those gaps. You may go to any doctor, specialist, or hospital that accepts Medicare. Medicare pays its share and then your plan pays based on your plan s benefits. You will receive a Medicare Summary Notice in the mail (in most cases each month), including information on the amount paid on your behalf and any additional amount due. Q: Can my age 65 spouse enroll if I am not yet age 65? A: Yes. As long as your spouse is eligible to participate in the Program and is age 65 or over. As soon as you become Medicare eligible, you can enroll on the first day of the month in which you reach your 65th birthday. Q: My spouse is not yet 65. What will happen to coverage for my spouse after I enroll in this plan? A: Your spouse will continue coverage under the pre-medicare early retiree plan. Two months prior to your spouse attaining age 65, a Medicare enrollment packet will be mailed. At that time, your spouse should contact Social Security to enroll in Medicare Parts A and B in order to be eligible to enroll in the group Medicare Plan. Q: Will I have to re-enroll in the Plan next year? A: No, once you enroll, you remain in the plan until you elect or terminate coverage. Q: When will I receive my ID Cards? A: ID cards will be sent once we process your enrollment materials. Medical and Prescription Drug ID cards will arrive in two separate packages. Q: How are my medical claims paid? A: As long as your physician accepts Medicare you will not have to send in any claim forms. Present your ID card along with your Medicare card to your doctor. Medicare pays the provider of the Medicare portion of your claim and forwards the balance due to the claims administration department. Remaining amounts will be billed to you. Q: Do I still need my Medicare ID Card? A: Yes. You will continue to use your Medicare ID card with this plan in conjunction with your Plan ID card. Q: Do my prescription drug co-payments count toward my medical plan deductible? A: No. Any co-payments you make for prescription drugs do not count toward deductibles or out of pocket maximum amounts for your medical plan. Q: How do I get my prescriptions filled? A: Simply present your ID card and prescription to a participating pharmacy in the plan network. You will also receive information about mail order prescriptions when you enroll. You can find more information about your prescription coverage by visiting or by calling AmWINS Group Benefits at Q: Where can I get information on using Mail Order Services? A: Once you enroll in the plan, you will receive a fulfillment kit in the mail which will include mail order information from PPS (Postal Prescription Services), the Mail Service Pharmacy for Medicare GenerationRx. Please be aware that you will need to obtain new prescriptions from your Doctor before ordering prescriptions from this new mail order program. The necessary forms and instructions on how to order prescriptions through the mail order service will be included in your fulfillment packet. Please expect your package and materials to arrive shortly before your plan effective date.

22 ANSWERS to YOUR QUESTIONS Q: How can I find out if my drugs are covered on the new plan? A: You will receive a copy of the formulary (List of Covered Drugs) in your fulfillment packet once you enroll. Some covered drugs may have additional requirements or limits on coverage. You can find out if your drug has any additional requirements or limits by reviewing the formulary. If your drug is not included on the formulary, you should first contact us and ask if your drug is covered. Please contact AmWINS Group Benefits Customer Care toll-free at or visit cityofcharlotte.amwins.com for more information about your prescriptions. Q: How can I lower my drug expenses? A: Generic medications often cost less than brandname counterparts. Talk to your doctor to determine if a generic is available. You may also have the option of mail order, where you can receive up to a 90-day supply for one mail order copayment. Q: What services are not covered? A: Services not covered by Medicare are not covered by this plan. Please contact us for the Medicare exclusion list. You may also call MEDICARE or visit Q: How do I pay for my coverage? A: Your premium is deducted from your retiree benefit check. Q: Can I enroll in a Medicare Part D plan and the City s medical and prescription plan? A: No. You cannot enroll in two Medicare Part D plans. If you enroll in a Medicare Part D plan, you are not eligible to enroll in the City s medical plan and prescription drug plan with Transamerica and Medicare GenerationRx. Q: How do I obtain a replacement ID card for Transamerica Premier and Medicare GenerationRx? A: Call AmWINS Group Benefits at , Monday through Friday, from 8 a.m. to 8 p.m. EST. Q: What happens to coverage for a spouse if the City retiree dies? A: The spouse or family member of the City retiree should notify City Human Resources as soon as possible. The City will inform AmWINS Group Benefits. The Surviving Spouse will remain on the Transamerica and Medicare GenerationRx plans. AmWINS will direct bill the surviving spouse for the monthly premium due. Q: If I choose not to enroll this year, can I enroll next year? A: Yes, you will have the opportunity to enroll in the group plan at the next open enrollment, or if you have a qualified family status change. Q: Do I have the option to enroll in just medical or prescription drug coverage or do I have to enroll in both plans? A: The City s health benefit plan combines two separate plans into one package which includes both medical and prescription drug coverage. You may not elect the prescription drug coverage without participating in the City s medical plan, or vice versa. The premium for medical insurance includes the prescription drug benefit.

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24 Disclaimer: The benefit information contained in this brochure is subject to change at any time, and the City of Charlotte reserves the unlimited right to make benefit plan changes at any time. Any changes to the benefit plans implemented by the City will be considered effective, regardless of whether notice has been given, on the date set by the City. If you are ever in doubt about your retiree medical benefits, please contact AmWINS Group Benefits at