IU Retiree Status Benefit
|
|
|
- Jeremy Campbell
- 5 years ago
- Views:
Transcription
1 IU Human Resources IU Retiree Status Benefit INDIANA UNIVERSITY
2 IU Retiree Status What is It?
3 IU Retiree Status Based on Age and Years of Service Age at Termination Minimum Years of Active Full-time IU Service Age at Termination Minimum Years of Active Full-time IU Service * * * 20 * Employees covered by the PERF retirement plan: Retiree status is reached with at least 15 years of IU service for employees separating at ages 60, 61, or 62.
4 What Counts Toward Years of Service Years of IU Service = Full-time, appointed service excluding periods of leave without pay Sabbatical leaves and leaves for research of distinction are counted. Years of IU service are pro-rated for ages that fall between the ages listed in the chart.
5 Key IU Retiree Benefits Medical Plans (includes vision) Life Insurance - $6,000 IU Tuition Benefit Other Courtesies Retain IU Address Other Campus-specific services Parking discounts Library, research access Cultural and Sports events
6 IU Retiree Status Medical Plan Options
7 IU Retiree Medical Plan - Eligibility Earned IU Retiree Status by the time you leave IU Still covered on an IU medical plan as an employee or spouse of an IU employee at the time active IU employee coverage ends. Then remain continuously covered in an IU-sponsored plan Spouses and children (through age 25) covered on an IU medical plan
8 Medical Plan Options (as of January 2018) Under age 65: IU coverage through an IU spouse COBRA (continue current IU medical plan) IU Retiree Anthem PPO HDHP Age 65+ (i.e., Medicare eligible) IU coverage through an IU spouse IU Blue Retiree Plan
9 IU Retiree Status Under Age 65 Options
10 Medical Premiums Retire (Under Age 65) COBRA (18 Months) Anthem PPO $500 Anthem PPO HDHP IU Health HDHP COBRA Plan Rates: hr.iu.edu/benefits/cobra.html Under 65 (Anthem PPO HDHP) 2018 Rates One Participant $ Participant & Child(ren) $ Retiree & Spouse $ Retiree & Family $
11 What is the Advantage of IU-Sponsored PPO Coverage? The premium is not based on age or tobacco use. Not based on where you live Not an HMO or limited network Enhanced Prescription Drug Coverage Meets the continuous enrollment criteria to bridge to IU Anthem Blue Retiree supplement plan For most retirees similar or lower premium and higher benefits than the ACA Marketplace
12 Dental Premiums Retire (Under Age 65) COBRA (18 Months) 2018 Rates One Participant $ Participant & Child(ren) $ Retiree & Spouse $ Retiree & Family $ COBRA Plan Rates: hr.iu.edu/benefits /cobra.html
13 IU Retiree Status Age 65+ Options
14
15 Medicare Basics Original Medicare Part A Hospital insurance (no premium) Part B Professional/ outpatient insurance (doctors, physical therapy, home health, etc.) Medicare Advantage Part C Private plans approved by Medicare; typically covers medical and prescription Part D Part D Prescription Coverage
16 Medicare Basics Initial Enrollment Period = 7 month period around your 65th birthday If you begin receiving Social Security retirement income (e.g., age 62 or after) You ll automatically be enrolled in Medicare Part A Whether actively employed or already retired When you or your spouse use your Social Security Income benefits Special Enrollment Period = 8 month period after employee coverage ends (No special enrollment when on COBRA) Late penalties apply for enrolling outside enrollment periods
17 IU Retiree Status Age 65+ Options Original Medicare + Supplement Plans
18 Age 65+ IU-Sponsored Option: Anthem Blue Retiree Plan Retire (Age 65+) Original Medicare Part A, B, & D + Supplemental Plan Coordinates with Original Medicare (Parts A and B) like a Medicare Medigap/Supplement plan. Pays Medicare deductibles and co-pays/co-insurance. Covers medical expenses out of the country with no dollar maximums. Does not include prescription coverage (you must also elect a Medicare Part D plan to have prescription coverage)
19 Age 65+ IU-Sponsored Option: Anthem Blue Retiree Plan Blue View Vision Service Annual Comprehensive Eye Exam and Refraction* Vision Wear (Contacts, Frames, and Lenses*) In-Network Provider Members Pays Out of Network Provider Member Pays $5 copayment Costs above a $42 allowance Optional savings available from Blue View Vision In-Network Providers only. *Medicare does not generally cover routine routine eye exams for eyeglasses or contact lenses. However, Medicare Part B will cover an annual eye exam if you have diabetes or are at high risk for glaucoma.
20 Age 65+ IU-Sponsored Option: Anthem Blue Retiree Plan Service Medicare Pays Blue Retiree Pays Member Pays Routine Dental Exam $0 $50 Amounts above $50 Hearing Exam $0 $50 Amounts above $50 Annual Physical Exam $0 Up to $150 Amounts above $150
21 What Does Blue Retiree Coverage Cost? The Retiree pays the full cost of the premium. Premiums change annually (up or down), but not based on age One Participant $ $ Retiree and Spouse $ $ To Obtain Total Cost: Medicare B (about $134; for most incomes) Medicare D Rx Plan ($17 to $157, average $30) Total Cost
22 Premiums Other Commercial Supplement Plans Based on age ratings: Issue-age-rated (age only counts when you enroll) Attained-age-rated (age counts each year) Community rated (age not considered) Introductory discount premium After your Special Enrollment Period, you can be denied coverage; have coverage delayed; or have the premium based on health factors.
23 IU Retiree Status Age 65+ Non-IU Options Medicare Advantage Plans
24 Medicare Advantage Retire (Age 65+) Medicare Advantage Plans, Part C Medicare Part C = Alternative to Original Medicare (A & B) Lower premiums Higher out-of-pocket costs (i.e. when you receive services (copays for office visits, each day in the hospital, prescriptions, etc.)) IU doesn t sponsor a Medicare Advantage plan, but IU Health sells this type of plan.
25 IU Retiree Status Medical Election / Premium Examples Anthem Blue Retiree Plan
26 Scenario #1 Kate, age 65, is an IU employee when she leaves IU with IU Retiree Status. Her spouse, Mike, is a retired high school teacher age 63 and is on Kate s IU employee medical and dental plans. Kate and Mike both elect IU Retiree coverage. Kate enrolls in the 65+ IU Blue Retiree plan Mike enrolls in the Under 65 Anthem HDHP plan When Mike turns 65, he switches to the 65+ IU Blue Retiree plan the same plan as Kate
27 Kate and Mike s Monthly Premiums (2018) Plan Kate s Premium Mike s Premium Medicare A $0.00 $0.00 Medicare B* $ $0.00 Medicare D (Rx)** $30.00 $0.00 Blue Retiree $ $0.00 PPO HDHP $0.00 $ Total $ $ Total: $679/month *Medicare B rates for 2018 **Medicare D plans vary in coverage and premium: $15 to $152
28 Scenario #2 Paul and Jane both work at IU, each with IU coverage. Paul is age 66 when he leaves IU with Retiree Status. Jane, age 62, will continue working until age 65; no IU Retiree Status Jane puts Paul on her IU plan when he retirees (he delays Medicare). When Jane leaves IU at age 65, she and Paul each enroll in Medicare A, B, and D and the IU Blue Retiree plan. (Paul has IU Retiree Status and he s been continuously covered by an IU plan.)
29 Jane and Paul s Monthly Premiums (2018) Plan Jane s Premium Paul s Premium Medicare A $0.00 $0.00 Medicare B* $ $ Medicare D (Rx)** $30.00 $30.00 Blue Retiree $ $ Total $ $ Total: $698/month * Medicare B rates for 2018 **Medicare D plans vary in coverage and premium: $15 to $152
30 Scenario #3 Dave, age 66, terms from IU with IU Retiree Status. His spouse, Wes, also works at IU. Wes puts Dave on his IU plan when Dave retires Wes later takes a job with Lilly. He and Dave could enroll in IU retiree coverage at that time, (since Dave maintained Continuous IU Coverage), but instead they enroll with Wes new employer. When Wes leaves Lilly at age 65, neither he nor Dave are eligible for IU-sponsored retiree coverage. Dave has IU Retiree Status, but was not continuously covered through IU.
31 Questions
32 IU Human Resources The IU Human Resources Customer Care Team is here to assist you in all matters related to your employment at Indiana University. Starting from when you begin your career, continuing through your service, and providing a seamless transition as you complete your employment journey we are here for you. TEL: FAX: askhr@iu.edu
IU Retiree Status Benefit INDIANA UNIVERSITY
IU Human Resources IU Retiree Status Benefit INDIANA UNIVERSITY IU Retiree Status What is It? IU Retiree Status Based on Age and Years of Service Age at Termination Minimum Years of Active Full-time IU
IU Retiree Status Benefits INDIANA UNIVERSITY
IU HUMAN RESOURCES IU Retiree Status Benefits INDIANA UNIVERSITY IU RETIREE STATUS What is It? INDIANA UNIVERSITY HUMAN RESOURCES IU Retiree Status Based on Age and Years of Service Age at Termination
Medicare Overview. It s as easy as A, B, C, D!
1 Medicare Overview It s as easy as A, B, C, D! Original Medicare does not cover care outside the U.S. 2 3 Medicare Eligibility Generally, you are eligible for Medicare coverage at age 65 if you receive
USC Senior Care. A Supplemental Plan to Medicare
USC Senior Care A Supplemental Plan to Medicare Overview What is Senior Care? How much does it cost? How do I enroll? How does Senior Care Interact with Medicare? Frequently Asked Questions USC Senior
UHRS-Procedures and Policies for Separation and Retirement
UHRS-Procedures and Policies for Separation and Retirement Laura Kress Jane Suhr Susan Brewer Sue Dukeman Employee Separations and Information Management Laura Kress University Director, HR Records & Information
2018 Health, Dental and Vision Monthly Contributions
2018 Health, Dental and Vision Monthly Contributions Benefit Plan Monthly Contributions for Active Regular Full-Time and Part-Time Employees Employee Only Spouse Child(ren) Family Dental: Cigna PPO $ 13
Medicare Enrollment and Coverage Decisions. Transitioning from Employer-Sponsored Group Health Plans to Medicare
Medicare Enrollment and Coverage Decisions Transitioning from Employer-Sponsored Group Health Plans to Medicare City of Roswell July 9, 2014 Introduction Kris Alderman Lewis Brisbois Bisgaard & Smith ERISA
Medicare Basics. Presentation by Melissa Linde and Gayle Salsman with Regions Insurance
Medicare Basics Presentation by Melissa Linde and Gayle Salsman with Regions Insurance Aging into Medicare When you turn 65, you will have the opportunity to sign up for Medicare A and/or B during what
Considering Retirement in 2018? Your Retiree Health Care Options
Considering Retirement in 2018? Your Retiree Health Care Options An important part of retirement planning is understanding your health care options after you retire and what action you need to take before
Early Retirement Incentive Plan Refresher for May 2014 Group University Human Resources
Early Retirement Incentive Plan Refresher for May 2014 Group University Human Resources Agenda 1. Separation Incentives 1. Income Replacement Payment 2. Health Reimbursement Account (HRA) 2. Last Regular
If you retire on or after your 65 th birthday, you re eligible for
Retirement FOR YOUR $ $ $ $ $ $ $ $Benefit A special publication of the New York State Nurses Association Pension Plan and Benefits Fund 2019 Your health insurance options at retirement Retiring with 30,
OPERATING ENGINEERS TRUST FUNDS
OPERATING ENGINEERS TRUST FUNDS I.U.O.E. LOCAL 12 HEALTH & WELFARE / PENSION / VACATION / TRAINING 100 CORSON STREET, SUITE 100 PASADENA, CALIFORNIA 91103 (866) 400-5200 P.O. BOX 7063, PASADENA, CALIFORNIA
Medicare 101. Understanding your Medicare options. Brought to you by Wemasol
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Medicare 101 Understanding your Medicare options Brought to you by Wemasol 1. Medicare Parts A - D Medicare
Frequently Asked Questions
NOTES Frequently Asked Questions TURNING AGE 65 Q I AM TURNING AGE 65 IN 2014. WHAT SHOULD I DO? Contact your local Social Security Administration (SSA) office or call 1-800-772-1213 to enroll in Medicare
Road to Retirement. A program for Purdue employees approaching retirement.
Road to Retirement A program for Purdue employees approaching retirement. Faculty or Staff members age 55 or more with at least 10 years of service in a benefits-eligible position Free Membership Monthly
AC: MEDICARE CHOICES HOW TO NAVIGATE
AC: 26997-0516-8318 MEDICARE CHOICES HOW TO NAVIGATE MEDICARE HEALTH INSURANCE AT A GLANCE AGE 65 ELIGIBILITY Part A Part B Part D Medigap Part C WHAT IT COVERS Hospital Insurance (Inpatient services)
Medicare and Its Gaps: Rights and Options You Simply MUST Know
Medicare and Its Gaps: Rights and Options You Simply MUST Know THINKING RETIREMENT 1 Agenda Medicare ABCs When to apply Part A Part B Three Pathways to fill the gaps in Medicare Medigap plans Advantage
The 5 Biggest Mistakes Made by Most Medicare Beneficiaries. (and how YOU can avoid them)
The 5 Biggest Mistakes Made by Most Medicare Beneficiaries (and how YOU can avoid them) 1 Not enrolling in Part B when you are supposed to. 1. You need to enroll in Medicare Part A and Part B during the
your other insurance company first then forward their explanation of benefits (EOB) along with a FSA or HSA claim form to BAC.
HSA: FAQ Page 1 of 5 Frequently Asked Questions (FAQ) about Health Savings Accounts: Q1. With the FSA I can be reimbursed for expenses paid, regardless of the amount accumulated in my account. Will it
Lilly Understanding Your Retiree Medical Benefits 2017
Lilly Benefits Understanding Your Retiree Medical Benefits 2017 RETIREE MEDICAL GENERAL OVERVIEW Health coverage is one of the top-valued benefits of employees and retirees alike. Understanding what you
Things You Need to Know About Medicare
Things You Need to Know About Medicare Turning 65? We re here to help. Approaching 65 is an important milestone in life and becoming eligible for Medicare is part of that. Whether you re seeking information
ALL RETIRED LABORERS AND THEIR ELIGIBLE DEPENDENTS COVERED UNDER THE RETIRED LABORERS PLAN EFFECTIVE NOVEMBER 1, 2017
Laborers Health and Welfare Trust Fund for Northern California 220 Campus Lane * Fairfield, California 94534-1498 Telephone: (707) 864-2800 Toll-Free: (800) 244-4530 Website: www.norcalaborers.org TO:
Summary of Benefits. Community Blue Medicare Plus PPO. Northeastern Pennsylvania. January 1, 2018 December 31, Service Area
Northeastern Pennsylvania Community Blue Medicare Plus PPO Summary of Benefits January 1, 2018 December 31, 2018 Service Area Our service area includes the following counties in Pennsylvania: Clinton,
The plans include two parts that work together to provide your comprehensive coverage: Health Savings Account
GET THE MOST FROM YOUR HDHP+HSA MEDICAL PLAN A Consumer Directed Health Plan, or HDHP, combined with a Health Savings Account, or HSA, helps you take charge of your health and financial savings by empowering
Dental TERMS YOU SHOULD KNOW GENERAL TERMS-DENTAL. Preventive Services. Basic Services. Prosthodontic Services
Dental GENERAL TERMS-DENTAL TERMS YOU SHOULD KNOW Basic Services Procedures necessary to restore teeth (other than crowns or cast restorations), oral surgery, endodontics (root canal therapy), and periodontics.
A, B, C, Ds of Medicare
A, B, C, Ds of Medicare What you need to know for 2018 Introduction to Medicare Medicare provides an excellent foundation for the health care coverage of retirees, but the program is unlikely to meet all
Summary of Benefits. Join the WELLfluent Broward County. AvMed Medicare Choice HMO H1016, Plan 021 GET FIT. EAT RIGHT. CONNECT. GROW.
Join the WELLfluent GET FIT. EAT RIGHT. CONNECT. GROW. Summary of Benefits 2019 Broward County AvMed Medicare Choice HMO H1016, Plan 021 This is a summary of drug and health services covered by AvMed Medicare
GEHA Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 262-GEHA geha.com
GEHA 2015 Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 262-GEHA geha.com CODE Self Only 341 Self + Family 342 Enrollment checklist 1. Research health
Understanding Your Healthcare Options in Retirement. Presented by: Tara Tyler
Understanding Your Healthcare Options in Retirement Presented by: Tara Tyler This session has been approved for continuing education credits. You must sign in during the session to receive credit for attending!
New to Medicare. Getting started with your UC Medicare Plan. Rebecca Preza UCSB Health Care Facilitator Program or
New to Medicare Getting started with your UC Medicare Plan Rebecca Preza UCSB Health Care Facilitator Program 893-4201 or Rebecca.preza@hr.ucsb.edu This presentation is intended for communication purposes
Benefit Program Information for Retirees
Benefit Program Information for Retirees 2017 Plan Highlights To be eligible to retire and for continued health, dental and or vision coverage, retirees must be at least age 55 and have at least 10 years
COMPANIONCARE Medicare Supplement Plan Q&A June 14, 2016
COMPANIONCARE Medicare Supplement Plan Q&A June 14, 2016 1. What is CompanionCare? CompanionCare plan is a supplement to Medicare. The plan is claim free only when a provider accepts assignment of Medicare
Retiree Medical FAQs For Retirees
Retiree Medical FAQs For Retirees The following questions and answers are general in nature and are intended to provide basic information to retirees regarding the change to Dominion s Retiree Medical
Medicare at a Glance. Are you Eligible for Medicare?
Medicare at a Glance Medicare is the federal health insurance program for Americans age 65 and older and for younger adults with permanent disabilities, End-Stage Renal Disease (ESRD), or Amyotrophic Lateral
The Affordable Care Act
The Affordable Care Act Employers Guide to 2015 and Beyond For Small Groups Summary Jan. 1, 2014, ushered in new Affordable Care Act (ACA) health insurance market reforms. These changes are impacting the
2019 Benefits Open Enrollment. High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Deep Dive
2019 Benefits Open Enrollment High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Deep Dive LEWIS & CLARK COLLEGE WHAT IS A HDHP? An IRS-qualified, High Deductible Health Plan (HDHP) is
Getting started with Medicare
Getting started with Medicare Look inside to: Learn about Medicare Find out about coverage and costs Discover when to enroll Medicare Made Clear Learning about Medicare can be like learning a new language.
OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVES and EARLY RETIREES
PPO Plan For Non-PPO Providers Employee Premium None None None None None Explanation of Plans and Options Available to You Deductible Annual Out-of-Pocket Maximum Medical and ¹Pediatric Dental & Vision
2018 Summary of Benefits
2018 Summary of Benefits Hamilton, Howard, and Marion counties, Indiana H3499--001 Benefits effective January 1, 2018 H3499_18_3257SB_A Accepted 09172017 This booklet provides you with a summary of what
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
Getting Started with Medicare
Getting Started with Medicare TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll
2016 Benefits Overview
2016 Benefits Overview ASPIRE HEALTH ADVANTAGE VALUE (HMO) BENEFIT Monthly Plan Premium Out-of-Pocket Limit (In-Network Medicare-covered benefits) Annual Part C Deductible (all services except for Prescription
Getting Started with Medicare
Getting Started with Medicare TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll
Health Savings Account (HSA)
IU Human Resources Health Savings Account (HSA) INDIANA UNIVERSITY Reality Check A healthy couple retiring at age 65 can expect to pay: $404,253 in premiums, dental, vision, hearing and all other out of
Summary of Benefits. Allwell Medicare (HMO) Palm Beach, Manatee, Marion and Seminole Counties, Florida H
2018 Summary of Benefits Palm Beach, Manatee, Marion and Seminole Counties, Florida H9276-003 Benefits effective January 1, 2018 H9276_18_2860SB_A Accepted 09172017 This booklet provides you with a summary
Summary of Benefits. Allwell Medicare (HMO) Bexar County, TX H Benefits effective January 1, 2018 H0062_18_2962SB_Accepted
2018 Summary of Benefits Bexar County, TX H0062 -- 001 Benefits effective January 1, 2018 H0062_18_2962SB_Accepted 09102017 This booklet provides you with a summary of what we cover and your cost-sharing.
Summary of Benefits. Join the WELLfluent Miami-Dade County. AvMed Medicare Choice HMO H1016, Plan 001 GET FIT. EAT RIGHT. CONNECT. GROW.
Join the WELLfluent GET FIT. EAT RIGHT. CONNECT. GROW. Summary of Benefits 2018 Miami-Dade County AvMed Medicare Choice HMO H1016, Plan 001 This is a summary of drug and health services covered by AvMed
MEDICARE 101 PRESENTED BY WESTERN MARKETING
MEDICARE 101 PRESENTED BY WESTERN MARKETING WHAT IS MEDICARE? A health insurance program for: People 65 years of age and older People under age 65 with certain disabilities People with End-State Renal
Understanding Medigap: What You & Your Clients Need to Know Passcode
Understanding Medigap: What You & Your Clients Need to Know www.readytalk.com 1-866-740-1260 Passcode 4796976 Housekeeping Notes All lines are muted; please ask questions via chat Download these slides
2017 Denver Employees Retirement Plan Non-Medicare Medical Plan Summary
HDHP* 2017 Denver Employees Retirement Plan Non-Medicare Summary Colorado HDHP HDHP** DHMO* Colorado DHMO Navigate (Colorado only) Annual Deductible Single $1,350 $1,350 $1,350 $500 $500 $500 Family $2,700
TRICARE SUPPLEMENT INSURANCE Frequently Asked Questions For Employees
TRICARE SUPPLEMENT INSURANCE Frequently Asked Questions For Employees TABLE OF CONTENTS Contents TABLE OF CONTENTS... 1 I. ENROLLMENT/ELIGIBILITY... 2 II. COVERAGE DETAILS... 3 III. CLAIMS... 6 IV. COVERAGE
2018 Summary of Benefits. BlueCross Secure SM (HMO)
2018 Summary of Benefits BlueCross Secure SM (HMO) Jan. 1, 2018 Dec. 31, 2018 855-204-2744 TTY 711 Seven Days a Week, 8 a.m. to 8 p.m. (Oct. 1, 2017, to Feb. 14, 2018) Monday-Friday, 8 a.m. to 8 p.m. (All
2019 Allwell Medicare Essentials II (HMO) H0351: 050 Maricopa and Pinal counties, AZ
2019 Allwell Medicare Essentials II (HMO) H0351: 050 Maricopa and Pinal counties, AZ H0351_19_7906SB_050_M_Accepted 09072018 This booklet provides you with a summary of what we cover and your cost-sharing
What s New for 2019 THE SOURCE. The New Oxy Medicare Advantage PPO Plan. Your Benefit News for Retirees
Your Benefit News for Retirees What s New for 2019 The New Oxy Medicare Advantage PPO Plan THE SOURCE Previously, Oxy announced a new retiree medical plan effective January 1, 2019, for retirees, spouses
A, B, C, Ds of Medicare
A, B, C, Ds of Medicare What you need to know for 2017 A, B, C, Ds OF MEDICARE 1 Introduction to Medicare Medicare provides an excellent foundation for the health care coverage of retirees, but the program
2015 Benefits Overview
2015 Benefits Overview ASPIRE HEALTH ADVANTAGE VALUE (HMO) BENEFIT Monthly Plan Premium Out-of-Pocket Limit (In-Network Medicare-covered benefits) Annual Part C Deductible (all services except for Prescription
Frequently Asked Questions about the High Deductible (HDHP) HMO Plan with Health Savings Account (HSA)
Frequently Asked Questions about the High Deductible (HDHP) HMO Plan with Health Savings Account (HSA) The following questions and answers will help you better understand the High Deductible HMO Plan (HDHP)
Summary of Benefits. Allwell Medicare Essentials II (HMO) Maricopa County, Arizona H
2018 Summary of Benefits Allwell Medicare Essentials II (HMO) Maricopa County, Arizona H0351 -- 049-001 Benefits effective January 1, 2018 H0351_18_3205SB_B_ Accepted 10142017 This booklet provides you
Simple Facts About Medicare
Simple Facts About Medicare What is Medicare? Medicare is a federal system of health insurance for people over 65 years of age and for certain younger people with disabilities. There are two types of Medicare:
ARE & MEDIC AID SERVICES
& Medicare You 2018 This is the official U.S. government Medicare handbook. Learn about your new Medicare card (inside front cover) What Medicare covers (page 29) CENTERS for MEDICARE & MEDICAID SERVICES
Odessa School District
Odessa School District 2016 Employee Benefits Effective July 1, 2016 DELTA DENTAL OF MISSOURI PPO BASE Premier or Non-Network PPO BUY-UP Premier or Non-Network Deductible Individual $50 $50 Family $150
Health Savings Accounts and Medicare
A Guide to Health Savings Accounts and Medicare Discover how Medicare impacts your HSA, and get answers to frequently asked questions. A Guide to Discover how Medicare impacts your HSA, and get answers
How Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_ mmddyy_xxx
How Medicare Works Helping you make the most of Medicare 2018 MedicareBlue SM Rx (PDP) S5743_ mmddyy_xxx About Medicare Whether you re new to Medicare or want a refresher, this guide can help you understand
Life is Full of Important Choices
Life is Full of Important Choices Let us help you make the right choice for your 2017 Medicare insurance. * ot connected with or endorsed N by the U.S. Government or Federal Medicare Program. ILMSDG16REV0417
Understanding Medicare and Coverage Expansion Options. Rick Seely Account Executive MDA Insurance
Understanding Medicare and Coverage Expansion Options Rick Seely Account Executive MDA Insurance 1 Rick s Goals Today Help you determine if and when you should enroll in Medicare Parts A & B ---------------------------------------------RECOMMEND
SUMMARY OF MEDICAL BENEFITS FOR OFFICIAL GVSU RETIREES. For Faculty and Staff Members Hired Prior to January 1, 2014
SUMMARY OF MEDICAL BENEFITS FOR OFFICIAL GVSU RETIREES For Faculty and Staff Members Hired Prior to January 1, 2014 2018 Medical Coverage An Official Retiree is a benefit eligible faculty/staff member
Understanding Your Medicare Options. Medicare Made Clear
Understanding Your Medicare Options Medicare Made Clear Top Medicare questions 1 Who is eligible for Medicare? 2 What are my coverage options? 3 When can I enroll? 4 What are my next steps? 5 Once I am
2019 Allwell Medicare (PPO) H6348:002 Allen, Elkhart, St. Joseph, Wells, and Whitley counties, IN
2019 Allwell Medicare (PPO) H6348:002 Allen, Elkhart, St. Joseph, Wells, and Whitley counties, IN H6348_19_7987SB_002_M Accepted 09082018 This booklet provides you with a summary of what we cover and your
Summary of Benefits. Allwell Medicare (HMO) Duval, Lake, Pinellas, Polk and Volusia Counties, Florida H H9276_18_2858SB _A Accepted
2018 Summary of Benefits Duval, Lake, Pinellas, Polk and Volusia Counties, Florida H9276-001 Benefits effective January 1, 2018 H9276_18_2858SB _A Accepted 09172017 This booklet provides you with a summary
Summary of Benefits. Allwell Medicare Premier (HMO) Pinal County, Arizona H
2018 Summary of Benefits Allwell Medicare Premier (HMO) Pinal County, Arizona H0351 -- 043-004 Benefits effective January 1, 2018 H0351_18_3060SB_A_ Accepted 10142017 This booklet provides you with a summary
2019 Benefits Open Enrollment. High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Deep Dive LEWIS & CLARK COLLEGE
2019 Benefits Open Enrollment High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Deep Dive LEWIS & CLARK COLLEGE AGENDA What is a High Deductible Health Plan (HDHP) with Health Savings
ELIGIBILITY AND ENROLLMENT SUPPLEMENT TO THE OXY MEDICAL PLAN
Summary Plan Description ELIGIBILITY AND ENROLLMENT SUPPLEMENT TO THE OXY MEDICAL PLAN LTD Beneficiaries and Their Dependents 2015 Your Medical Plan Options The Medical Plan offers eligible participants
Medical and prescription drug options
Post-65 Retiree Medical coverage Your OneExchange benefit advisor will help you understand all of your options for selecting an individual supplement plan from the marketplace. While you will have a choice
2019 Allwell Medicare (HMO) H0351: Cochise County, AZ
2019 Allwell Medicare (HMO) H0351: 044-002 Cochise County, AZ H0351_19_7902SB_044_002_M_Accepted 09072018 This booklet provides you with a summary of what we cover and your cost-sharing responsibilities.
Medicare Made Simple
Medicare Made Simple TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll 10 Medicare
Summary of Benefits. January 1, 2018 December 31, Providence Medicare Harbor + RX (HMO) Providence Medicare Summit + RX (HMO-POS)
Summary of Benefits January 1, 2018 December 31, 2018 These Plans are available in Snohomish and King Counties in Washington. 2018 Advantage Plans is an HMO, HMO-POS, and HMO SNP plan with a Medicare and
Medicare PPO Blue (PPO)
Benefits Overview 2016 Drug Copayments $10 $20 $35 Medicare PPO Blue (PPO) Medicare PPO Blue (PPO) is a Medicare Advantage plan from Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. Blue Cross
MEDICAL PLAN SUMMARY 2017
MEDICAL PLAN SUMMARY 2017 General Plan Information RED PLAN WHITE PLAN BLUE PLAN Blue Choice PPO SM BlueOptions SM Blue Choice PPO SM In Out of Blue Preferred SM Blue Choice PPO SM Blue SM Traditional
Summary of Benefits. Allwell Medicare Premier (HMO) Duval, Pinellas, Polk, Hernando, Pasco and Volusia Counties, Florida H
2018 Summary of Benefits Duval, Pinellas, Polk, Hernando, Pasco and Volusia Counties, Florida H9276-002 Benefits effective January 1, 2018 H9276_18_2859SB_B_Accepted 10032017 This booklet provides you
2019 Allwell Medicare Essentials II (HMO) H0351: 050 Maricopa and Pinal counties, AZ
2019 Allwell Medicare Essentials II (HMO) H0351: 050 Maricopa and Pinal counties, AZ H0351_19_7906SB_050_M_Accepted 09072018 This booklet provides you with a summary of what we cover and your cost-sharing
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...
YOUR. Medicare OPTIONS. What you need to know as a NEW Medicare Beneficiary. Y0020_18_3777BKLT_Accepted_
YOUR Medicare OPTIONS What you need to know as a NEW Medicare Beneficiary Y0020_18_3777BKLT_Accepted_10232017 Important choices can be simple choices. Let us help. This guide will give you a solid foundation
Annual Notice of Changes for 2018
Geisinger Gold Classic Complete Rx (HMO) offered by Geisinger Health Plan Annual Notice of Changes for 2018 You are currently enrolled as a member of Geisinger Gold Classic Complete Rx (HMO). Next year,
Limited-purpose Health FSA Frequently Asked Questions
What is a limited-purpose flexible spending account? A limited-purpose health flexible spending account (referred to as a limited-purpose FSA) is part of your benefits package. This account lets you use
IU Human Resources High Deductible Health Plan (HDHP) & Health Savings Account (HSA) INDIANA UNIVERSITY
IU Human Resources High Deductible Health Plan (HDHP) & Health Savings Account (HSA) INDIANA UNIVERSITY HDHP & HSA Overview Health Savings Account Tax-free Bank Account Medical Prescriptions Dental Vision
Benefit Program Information for Retirees
Benefit Program Information for Retirees 2018 Plan Highlights To be eligible to retire and for continued health, dental and or vision coverage, retirees must be at least age 55 and have at least 10 years
for Individuals and Families LIVE LIFE ASSURED
for Individuals and Families LIVE LIFE ASSURED Options as unique as you Coverage that s all yours Health Tradition for Individuals is designed for people who may not have access to a group or employer
Life is Full of Important Choices
* Life is Full of Important Choices Let us help you make the right choice for your 2017 Medicare insurance. Your Guide to Medicare Supplement Insurance from Blue Cross and Blue Shield of Texas, a Division
Summary of Benefits. Join the WELLfluent Miami-Dade County AvMed Medicare Circle HMO H1016, Plan 023 GET FIT. EAT RIGHT. CONNECT. GROW.
Join the WELLfluent GET FIT. EAT RIGHT. CONNECT. GROW. Summary of Benefits 2019 Miami-Dade County AvMed Medicare Circle HMO H1016, Plan 023 This is a summary of drug and health services covered by AvMed
PERACare Overview for Retirees and Benefit Recipients 2019 PERACare Plans
PERACare Overview for Retirees and Benefit Recipients 2019 PERACare Plans This overview provides a brief summary of the deductibles, copayments, and coinsurance in the PERACare plans. For more detailed
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:
Introduction to the High Deductible Health Plan and Health Savings Account HDHP + HSA 10/24/2017
Introduction to the High Deductible Health Plan and Health Savings Account 2 Why are we introducing a new health plan? DID YOU KNOW? About 70% of employers offer an HDHP option HDHPs have become increasingly
2018 Summary of Benefits
2018 Summary of Benefits Benton, Crawford, Sebastian, Washington Counties, AR H9630--001 Benefits effective January 1, 2018 H9630_18_2913SB Accepted 09302017 This booklet provides you with a summary of
RETIREE MEDICAL BENEFITS Presented By Kurt Swardenski, RHU, REBC Advantage Benefits Group
RETIREE MEDICAL BENEFITS 2018 Presented By Kurt Swardenski, RHU, REBC Advantage Benefits Group AGENDA Under Age 65 Options (Pre-65) Age 65 and Older Options (Post-65) Party Time! Q&A, Examples throughout
Life is Full of Important Choices
Why Choose Blue Cross and Blue Shield of Illinois? Blue Cross and Blue Shield of Illinois is a name you can trust, and has been serving the people of Illinois for more than 75 years. Our Blue Medicare
Annual Notice of Changes for 2017
Providence Medicare Flex Group Plan + RX (HMO-POS) offered by Providence Health Plans Annual Notice of Changes for 2017 You are currently enrolled as a member of Providence Medicare Flex Group Plan + RX
IBEW / NECA SOUND & COMMUNICATIONS HEALTH & WELFARE PLAN 2015 MEDICAL PLAN OPTIONS BENEFIT SUMMARY MEDICAL
IBEW / NECA SOUND & COMMUNICATIONS HEALTH & WELFARE PLAN 2015 PLAN OPTIONS BENEFIT SUMMARY Two Medical plan options are offered: 1) The Trust Self-Funded Medical Indemnity Plan (a PPO Plan) and 2) Kaiser
Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com/ca or by calling 1-855-333-5730. Important
2018 Medicare Program Overview
2018 Medicare Program Overview State College of Florida Florida College System Risk Management Consortium #78800 Retirees Eligible for Medicare Florida Blue is an Independent Licensee of the Blue Cross
Before you read the frequently asked questions, which will cover this information in more detail, there are a few key points to keep in mind:
February 2015 Dear Pfizer Retiree: Throughout the recent enrollment period in October and during the in-person and webinar meetings, we received several questions from Pfizer retirees on the change to