Discussion of TRS Issues

Transcription

1 Discussion of TRS Issues TRS Standardized Service Year & Annuity Calculations TRS ActiveCare Health Insurance May 23, 2012 David Webb, Chief Financial Officer Bob Treacy, LHIC, City-County Benefit Services

2 Deer Park Independent School District TRS Retirement and Health Insurance Update TRS Service and Earnings Credit Update (David Webb) House Bill 2561, passed in the 2011 legislative session, standardized the TRS reporting year to September 1 August 31 each year. This is potentially problematic for some of our employees because many of our teachers and other campus staff have August 1 contract start dates contracts which logically end on July 31 each year. Here are some details Year (This Coming Year) Earnings credit will be based on a September 1 August 31 year, or the member s contract year, whichever method is most beneficial to the member. Service credit, which requires 90 work days, will not begin to accumulate until September 1, regardless of the contract start date (The Following Year) Both earnings credit and service credit will be calculated for the final year of work starting September 1 each year. This could be problematic for those with an August 1 to July 31 contract, since the final month of the TRS year is August and many employees who are retiring at the end of the school year will no longer be on the payroll in August. This change underscores the necessity to meet with a TRS counselor well ahead of time if you are planning to retire anytime soon. Below is a brief note from TRS on this subject. You can view their 14-minute Webinar presentation on this topic at the following link: Also, their PowerPoint presentation from this Webinar is available at the following link: House Bill 2561 Standardized School Year House Bill 2561, 82nd Leg., R.S. (2011), amended the definition of a school year to mean a 12-month period beginning September 1 and ending August 31 of the next calendar year beginning with the school year; however, this bill did not outline how TRS would determine creditable compensation paid prior to the school year for members whose contracts for that year begin prior to September 1, TRS will apply all salaries for the and earlier school years either according to a 12 month period based on the member s qualified contract or work agreement, or on a September 1 through August 31 basis, whichever is most advantageous for a member reported with either an August through July contract/agreement period or a July through June period. In either case, no more than 12 months of compensation will be credited in one school year. Annual compensation for the school year and later years will be credited on a September 1 through August 31 basis for all members, as required by law.

3 Possible Solutions: A. DPISD could shift the pay cycle for all August 1 employee contracts from Aug 1 July 31 to Sept 1 to Aug 31. This means that most campus-based staff would have to skip a check for a month. They would still get 12 checks, just over a new, different period of time. This is NOT a good option! B. DPISD could begin shifting the pay date for the affected employees by a few days each month until we had shifted the pay cycle by a full month. This is also NOT a good option! Aside from the obvious logistical nightmare, bill like car payments and mortgages are still due on the same date. C. Address the issue with the legislature, pointing out the loss of pension annuity impact on individual employees, and see if the will address the problem that they themselves created. This is by far the best option! (All of our local legislators voted for it, they can all vote to change it!) Options A and B, and any other potential solution you can think of, would be our response to a problem we did not create. Option C is best because it allows our legislature the opportunity to address the problem they themselves created. And they created this issue for us and many other districts, so they will soon be hearing from those districts and from us. See handout from TRS on the Standardized School Year / House Bill 2561 issue.

4 House Bill 2561

5 School Year: Service Credit: September August for ALL members Salary: Either September to August OR based on contract/work agreement (nonstandard)

6 School Year: Service Credit: September August for ALL members Salary: September August for ALL members

7 Will continue to be due for each member in the month that member begins new school year work agreement/contract.

8 Applied for 12-month period based on either contract/work agreement dates or September 1-August 31, whichever is best for the member Per TRS Rules, no more than 12 months of compensation will be credited in one school year

9 Credited September 1-August 31 regardless of contract/work agreement dates.

10 Beginning with school year, TRS service credit is earned on a September 1-August 31 basis for EVERY member

11 No it is not necessary (for TRS purposes) to change contract dates. However, members with non-standard contracts will need to be aware of the change. In and later years, the member will need to work through August to ensure 12 months of salary (if that is one of their highest years).

12 Most likely will not be affected if they are on a September-August pay schedule They will have earned all of their salary by the end of the instructional year (May or early June)

13 This change will affect a small percentage of members per year--- those with non-standard contracts who are retiring at the end of the fiscal year.

14 For those with non-standard contracts for whom retiring in August would be very disruptive, another option is to work through the full fall semester, then retire. An added benefit to the member is that they will have earned an additional year of TRS service credit.

15 We do understand that the change to a standardized school year will create some challenges for those with nonstandard contracts. Ultimately, each reporting entity will need to address this change to a standardized school year as they see fit in regards to contracts/work agreements.

16 Deer Park Independent School District TRS ActiveCare Health Insurance (David Webb, Lisa Gilbert, DPISD, Bob Treacy, C-CBS Benefits Consultant) On January 1, 2013, we will shut down the active operations of our self-funded health insurance plan and switch our coverage to the TRS ActiveCare plan, administered by Blue Cross-Blue Shield of Texas. Because our self-funded plan is out of funds and currently spending approximately $350,000 more a month than it is taking in from contributions, we are taking several steps to address the shortfall, as follows: 1. Transfer $500,000 from the self-funded workers compensation fund to the self-funded health insurance plan. 2. Increase employee contributions to the self-funded plan to the new TRS ActiveCare2 rates on September 1, 2012 (effective on the August payroll check). Due this unexpected mid-year rate increase, we will allow employees to drop coverage for September 1 if they wish to do so. Those same employees will be eligible to opt back in to the TRS ActiveCare plan during the October enrollment period for January 1, 2013 if they wish to do so. 3. The District will transfer additional funds into the self-funded plan to assist in keeping it afloat until December 31, What Caused the Self-Funded Plan to Run Out of Money? Several things contributed to the demise of the self-funded plan. First, we did not increase rates gradually over a 3-year period when claims costs were fairly stable and constant. Second, medical and prescription costs have been increasing. Third, plan utilization by our member population is increasing rapidly. Fourth, a small percentage of members have spiked claims costs significantly with a variety of ailments and injuries. These four circumstances have combined to create a perfect storm for our plan over a relatively short period of time. Open Enrollment we will conduct an open enrollment period in early October, with two afternoonevening sessions dedicated to assisting employees with their choices, and with entering their beneficiary data into our system. We will have various vendors available like last year, but we will conduct the training here in the new Education Service Center so that we have more room to spread out and more computer stations to assist employees. The dates are currently scheduled for Wednesday and Thursday, October 3-4, 2012, from 2:00pm to 8:00pm. The room location will be the Lone Star Room. During the Open Enrollment process, we will need all employees to log on to input their beneficiary data. They will also have the opportunity to decline TRS coverage or to make elections for coverage as needed. They will also have the opportunity to change vision, dental and some other optional, employee-paid benefits as well. Wednesday, October 3 rd will be for elementary school staff and support locations. Thursday, October 4 th will be for secondary school staff, support locations and anyone who could not come on Wednesday, October 3 rd.

17 Flexible Spending Since we will continue our plan administration with United Healthcare through December 31 st, we will retain them to administer our plan through the remainder of our calendar plan year. We will locate and retain a suitable firm to replace them on Jan 1, So we will continue to offer this important benefit to all of our staff, regardless of their participation in the health plan. Short Plan Year By deferring our enrollment in the TRS plan to January 1, we maintain our current timeline on our current year plan, but we create a short plan year for next year. TRS AC starts their plan year on September 1, but we will not be joining their plan until January 1st 4 months later. So our first year in the plan will be a short, eight month year (January 1 to August 31). Given a choice of shortening this plan year or the next plan year, we decided to shorten next year and give all of our members adequate time to plan well ahead for that short, 8-month plan year. After 9/1/2013, we will be fully converted back to a new and full 12-month year, starting 9/1/2013 and ending 8/31/2014. Vision, Dental and Other Benefits TRS only administers their medical health insurance program. They do not offer any vision, dental, short term or long term disability coverage, cancer plan or any other benefits. So we will continue to offer all of the same benefits we offer now that are outside of the medical plan. Alternative Coverage Many employees have already expressed their desire to obtain alternative health insurance coverage outside of our current and future offerings. District Contribution The District currently contributes $230 per employee per month (PEPM) to the health insurance fund. That contribution slightly exceeds the state requirement of $225 PEPM. Additionally, the District will contribute between $2.1 million and $3.5 million in additional contributions to the self-funded plan between now and December 31, 2012 to assist in keeping our current plan solvent. The District will continue to make the $230 PEPM contribution when we change to the TRS ActiveCare plan in Current Plan Rates for 2012 / TRS ActiveCare 2 Rates for (total rates District $230 PEPM contribution NOT netted out of these rates) Level of Coverage Current TRS AC2 Increase Employee Only $397 $460 $63 Employee + Spouse $775 $1,046 $271 Employee + Children $663 $731 $68 Employee + Family $1,020 $1,150 $130 TRS also has two ActiveCare 1 options at a lesser price, and an ActiveCare 3 plan at a higher price.

18 Employee & Spouse / Children Coverage / both spouses work for DPISD Currently, the District offers a special rate for the few folks we have in this situation. Employees who have a spouse who also works for the District will have a split rate each employee will pay ½ of the total premium less the District contribution of $230 for each employee. Employees who have a spouse that works for another TRScovered entity will also have a split rate. Those employees will need to complete the TRS ActiveCare Application to Split Premium. See attached Example of how the Split Premium will work. Additional information on TRS ActiveCare can be found on the TRS website at Under the Active Members section, including rates, available doctors / providers and plan design. Seeking Coverage with other providers We have received a number of inquiries from employees asking us if we have solicited quotes from other providers. As always, this is a simple question with a lengthy answer. David Webb and Bob Treacy will discuss this at the May 23 rd meeting. Dropping Coverage at September 1, 2012 Many employees have informed us that they would prefer to drop our coverage as of September 1. The primary reason for this request is to avoid the mid-year rate increase. To drop coverage on September 1, employees must inform our Benefits Office in writing no later than August 1, 2012 of their intent to do so. They may do so by signing the form attached at the bottom of this page DEER PARK INDEPENDENT SCHOOL DISTRICT ELECTION TO DROP HEALTH INSURANCE COVERAGE AT SEPTEMBER 1, 2012 I wish to drop my health insurance coverage as of September 1, I understand and agree that I am eligible to re-enter the District s health insurance plan during the 2012 open enrollment for January 1, 2013, but not eligible to re-enter the plan during the September 1 December 31, 2012 period. I understand that my waiver of coverage at September 1, 2012 and entry into the TRS plan on January 1, 2013 may trigger pre-existing condition exclusions and may compromise full coverage under federal HIPAA regulations. Signed: Date: Name: (Print Clearly) Work Location:

19 PRE-EXISTING CONDITION EXCLUSION RULES Most health plans impose pre-existing condition exclusions. This means that if you have a medical condition before coming to our plan you might have to wait a certain period of time before the plan will provide coverage for that condition. This exclusion applies only to conditions for which medical advice, diagnosis, care or treatment was recommended or received within the six- month period before your enrollment date. Generally, this six-month period ends the day before your coverage becomes effective. The preexisting condition exclusion does not apply to pregnancy. Also, preexisting condition exclusions do not apply to employees that initially enroll when a participating entity begins participating in TRS-ActiveCare or to new hires who enroll within 31 days after their actively-at-work date. However, if you were covered by TRS-ActiveCare at any point in time since the program s inception in 2002, and have been hired by a different participating entity (or rehired by same participating entity), preexisting limitation exclusions may apply. Finally, the preexisting condition exclusion rule does not apply to an individual under the age of 19. This preexisting condition exclusion may last up to 12 months from your first day of coverage, or, if you were in a waiting period, from the first day of your waiting period. However, you can reduce the length of this exclusion period by the number of days you had prior creditable coverage. Most prior health coverage is creditable coverage and can be used to reduce the pre-existing condition exclusion if you have not experienced a break in coverage of at least 63 days. To reduce the 12-month exclusion period by your creditable coverage, you should give us a copy of any certificates of creditable coverage that you have. If you do not have a certificate, but you do have prior health coverage, you have a right to request one from your prior plan or issuers. There are also other ways that you can show that you have creditable coverage. Please contact us if you need help demonstrating creditable coverage. For more information about the preexisting condition exclusion and creditable coverage rules affecting your plan, call Customer Service at the phone number on the back of your TRS-ActiveCare ID card.

20 PLAN HIGHLIGHTS Effective September 1, 2011 through August 31, 2012 Network Level of Benefits* Deductible (per plan year) Out-of-Pocket Maximum (per plan year; does not include deductible/copays) Coinsurance Plan pays (up to allowable amount) Participant pays (after deductible) Office Visit Copay Participant pays Preventive Care See reverse side for a list of covered services High-tech Radiology (CT scan, MRI, nuclear medicine) Participant pays Inpatient Hospital (facility charges) Participant pays Emergency Room Participant pays Outpatient Surgery Participant pays Prescription Drugs Drug Deductible (per plan year) Retail Short-Term (up to a 30-day supply) Generic Copay Brand Copay (preferred list) Brand Copay (non-preferred list) Retail Maintenance (after second fill; up to a 30-day supply) Generic Copay Brand Copay (preferred list) Brand Copay (non-preferred list) Mail Order (up to a 90-day supply) Generic Copay Brand Copay (preferred list) Brand Copay (non-preferred list) ActiveCare 1-HD ActiveCare 1 ActiveCare 2 ActiveCare 3 $2,400 employee-only $2,400 employee and spouse, employee and child(ren), employee and family $3,000 employee-only $5,000 employee and spouse, employee and child(ren), employee and family 80% 20% 20% after deductible $1,200 per individual $3,000 per family $2,000 per individual $6,000 per family 80% 20% 20% after deductible $750 per individual $2,250 per family $2,000 per individual $6,000 per family 80% 20% $30 for primary $50 for specialist $300 per individual $900 per family $1,000 per individual 80% 20% $20 for primary $30 for specialist Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100% 20% after deductible 20% after deductible $100 copay, plus 20% after deductible 20% after deductible 20% after deductible $150 copay per day, plus 20% after deductible ($750 maximum copay per admission; $2,250 maximum copay per plan year) 20% after deductible 20% after deductible $150 copay plus 20% after deductible (copay waived if admitted) 20% after deductible 20% after deductible $150 copay per visit plus 20% after deductible Subject to plan year deductible Participant pays 20% after deductible Participant pays 20% after deductible Participant pays 20% after deductible Specialty Drugs Participant pays 20% after deductible Monthly Premium Cost Employee Only $287 Employee and Spouse $703 Employee and Child(ren) $448 Employee and Family*** $920 Subject to plan year deductible Participant pays 20% after deductible Participant pays 20% after deductible Participant pays 20% after deductible Participant pays 20% after deductible $325 $741 $519 $817 $100 copay, plus 20% after deductible $150 copay per day, plus 20% after deductible ($750 maximum copay per admission; $2,250 maximum copay per plan year) $150 copay plus 20% after deductible (copay waived if admitted) $150 copay per visit plus 20% after deductible $100 per person $75 per person Participant pays $15 $35** $60** Participant pays $20 $45** $75** Participant pays $15 $35** $60** Participant pays $20 $45** $75** Participant pays Participant pays $ 45 $ 45 $105** $105** $180** $180** $200 per fill $200 per fill $ 434 $ 987 $ 690 $1,085 $ 584 $1,328 $ 931 $1,461 A specialist is any physician other than family practitioner, internist, OB/GYN or pediatrician. * Illustrates benefits when network providers are used. Non-network benefits are also available; see Enrollment Guide for more information ** If the patient obtains a brand-name drug when a generic equivalent is available, the patient will be responsible for the generic copayment plus the cost difference between the brand-name drug and the generic drug. *** Employee and Family coverage is more expensive for ActiveCare 1-HD than ActiveCare 1 because the deductible and out-of-pocket maximum amounts for family are less and the plan may begin paying benefits sooner. Employee and Family coverage is less expensive for ActiveCare 1 than ActiveCare 1-HD because the deductible and out-of-pocket maximum amounts for family are greater, and it will take longer to accumulate the medical and prescription drug expenses to satisfy these amounts. TRS-ActiveCare is administered by Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of Texas provides claims payment services only and does not assume any financial risk or obligation with respect to claims. Prescription drug benefits are administered by Medco Health Solutions, Inc. Copyright 2011 Blue Cross and Blue Shield of Texas

21 List of Covered Preventive Care Services Effective September 1, 2011, Plans Pay 100% When Using Network Providers* Children and Adolescents Newborns Screening for hearing loss, hypothyroidism, sickle cell disease and phenylketonuria (PKU) Gonorrhea preventive medication for eyes Immunizations Diphtheria, Tetanus, Pertussis Haemophilus influenzae type B Hepatitis A and B Human Papillomavirus (HPV) Influenza (Flu) Measles, Mumps, Rubella Meningococcal Pneumococcal (pneumonia) Inactivated Poliovirus Rotavirus Varicella (chickenpox) Childhood health screenings Medical history for all children throughout development Height, weight and Body Mass Index (BMI) measurements Developmental screening Autism screening Behavioral assessment Vision screening Oral health risk assessment Hematocrit or hemoglobin screening Obesity screening and weight management counseling Iron supplements Fluoride supplements Lead screening Dyslipidemia screening Tuberculin testing Adolescent health screenings Depression screening Alcohol and drug use assessment Counseling to prevent sexually transmitted infections (STIs) Cervical dysplasia screening HIV screening General health screenings Blood pressure screening Cholesterol screening Type 2 diabetes screening HIV and sexually transmitted infections (STIs) screenings Health Counseling Doctors are encouraged to counsel patients about these health issues and refer them to appropriate resources as needed: Healthy diet Weight loss Tobacco use Alcohol misuse Depression Prevention of sexually transmitted infections (STIs) Use of aspirin to prevent cardiovascular disease Immunizations Hepatitis A and B Herpes Zoster (Shingles) Human Papillomavirus (HPV) Influenza (Flu) Measles, Mumps, Rubella Meningococcal Pneumococcal (pneumonia) Tetanus, Diphtheria, Pertussis Varicella (chickenpox) Adults Women Osteoporosis screening Chlamydia infection screening Gonorrhea and syphilis screening BRCA counseling about genetic testing Pregnant Women Folic acid supplements Anemia screening for iron deficiency Tobacco cessation counseling Syphilis screening Hepatitis B screening Rh incompatibility blood type testing Bacteriuria urinary tract infection screening Breastfeeding education Men Abdominal aortic aneurysm one-time screening Cancer screenings Breast cancer mammography Breast cancer chemoprevention counseling Cervical cancer pap test for women Colorectal cancer screenings including fecal occult blood testing, sigmoidoscopy or colonoscopy Prostate cancer (PSA) screening for men *Note: If you receive preventive services during an office visit, you will be required to pay any applicable coinsurance or copayment if the doctor does not bill or code separately for the service and the primary reason for the visit is not to receive the preventive service. If you receive preventive services from a non-network provider, you will be responsible for any applicable deductible and coinsurance

22 Please print in blue or black ink. Group Number Toll-Free Customer Service Application to Split Premium This form is to be completed by both husband and wife who wish to split the cost of employee and spouse or employee and family coverage while being employed by different districts/entities participating in TRS-ActiveCare. The employee identified in Section 1 is required to select a plan under TRS-ActiveCare. The employee s spouse, identified in Section 3, is required to decline (waive) TRS-ActiveCare coverage. The employing district/entity for EACH person must also complete Sections 2 or 4, as appropriate. The cost for TRS-ActiveCare coverage will be split between the two employers. Each employer will be billed 50 percent of the total cost of the TRS-ActiveCare plan selected by the employee in Section 1. The entity employing the spouse who declined coverage will consider the employee as covered under a group health plan for funding purposes. SECTION 1 TO BE COMPLETED BY EMPLOYEE that has elected employee and spouse or employee and family coverage Employee Last Name First Name Middle Initial Social Security Number I have elected employee and spouse or employee and family coverage, and I elect to split the cost of coverage 50/50 with my spouse. Employee Signature Date SECTION 2 TO BE COMPLETED BY EMPLOYER of the employee in Section 1 District/Entity Name TRS Reporting Number I confirm this employee is an active employee enrolled for TRS-ActiveCare coverage. I understand that the cost of this employee s coverage will be split 50/50 between our district/entity and the participating district/entity of the employee s spouse. Effective Date Employer Verification Signature Date SECTION 3 TO BE COMPLETED BY EMPLOYEE that will be declining coverage Employee Last Name First Name Middle Initial Social Security Number I elect to split the cost of coverage 50/50 with my spouse. I have declined TRS-ActiveCare coverage under my participating district/entity and will be covered as a dependent of my spouse as listed in Section 1. Employee Signature Date SECTION 4 TO BE COMPLETED BY EMPLOYER of the employee in Section 3 District/Entity Name TRS Reporting Number I confirm this employee is an active employee who has declined TRS-ActiveCare coverage. I understand that 50 percent of the cost of coverage elected by this employee s spouse will be billed to our district/entity. Employer Verification Signature Date SECTION 5 TO BE COMPLETED BY EMPLOYER of the employee in Section 3 to TERMINATE SPLIT PREMIUM District/Entity Name TRS Reporting Number Please terminate the split premium funding arrangement for this employee. Effective Date Employer Verification Signature Submit to: Blue Cross and Blue Shield of Texas, P. O. Box , Dallas, TX Date

23 DEER PARK ISD January 1, 2012 MUNIS DESCRIPTION EE DPISD TOTAL Life Insurance Adjustment 8099 (Emp pay Adj 8098) 8023 $25,000 LIFE INSURANCE & AD&D LONG TERM DISABILITY 8020 Supplemental Life - Employee 8021 Supplemental Life - Spouse 8022 Supplemental Life - Child 8026 AD&D - Employee 8027 AD&D - Family LIFE INSURANCE Supplemental Life Insurance Adjustment 8029 Medical Insurance Adj (2099) TRS ActiveCare 1 MA UNITED/EMP MB UNITED/EMP&CHILD MC UNITED/EMP&SPSE MD UNITED/EMP&FAM TRS ActiveCare 1 HD MA UNITED/EMP MB UNITED/EMP&CHILD MC UNITED/EMP&SPSE MD UNITED/EMP&FAM TRS ActiveCare 2 MA UNITED/EMP MB UNITED/EMP&CHILD MC UNITED/EMP&SPSE MD UNITED/EMP&FAM TRS ActiveCare 3 MA UNITED/EMP MB UNITED/EMP&CHILD MC UNITED/EMP&SPSE MD UNITED/EMP&FAM S:\BUSSHARE\LISA\STUFF\TABLEBENEFITS 2012 TRS ActiveCare

24 DEER PARK ISD invites you to attend the Employee Benefits Fair and Open Enrollment (Come and Go Event Stay As Long as You Like) Wednesday, October 3 rd, :00pm to 8:00pm (Elementary and Support Staff locations) Thursday, October 4 th, :00pm to 8:00pm (Secondary and Support Staff locations) in the Lone Star Room, Education Service Center, 2800 Texas Avenue, Deer Park, Texas Providers in attendance will include the following: Vision Block Vision Cancer / Dread Diseases (TBD) Dental MetLife Short-Term Disability The Standard Tax-Sheltered Retirement Plans: ING / DPISD 457 Plan David Schamerhorn 403b Plans Ray Landers, Landers & Associates Gerald Metcalf, VALIC Nathan Rorick AXA Advisors Identity Theft Protection LegalShield Employees may complete their Open Enrollment process for 2013 while attending this event. Benefits Open Enrollment begins on Monday, October 1, 2012 and concludes on Friday, October 5, All employees must go through the benefits enrollment process to input life insurance beneficiaries and to accept or decline benefits coverage.

25 Deer Park Independent School District TRS ActiveCare Blue Cross-Blue Shield of Texas Information Effective January 1, 2013, Blue Cross Blue-Shield of Texas will be our new Medical provider. Medco Health Solutions, Inc. will administer our Prescription Drug plan. These plans are administered through the Teacher Retirement System of Texas. If you have questions regarding coverage or plan provisions before January 1, 2013, you may contact the TRS-ActiveCare Customer Service line for assistance. TRS-ActiveCare Customer Service, Available 8am - 8pm TRS ActiveCare Blue Cross Blue Shield of Texas*: On this website, you can search for doctors and hospitals, download forms and find other resources. (See blue tab on the top of the page) *The information posted on this website is mainly focused on September 1 enrollees. Please keep this in mind while browsing the website. (Following are some telephone short cuts that may help speed up your call.) For medical or pharmacy questions, the employee would dial the same number, Welcome to the Blue Cross Blue Shield Member Services line for TRS-ActiveCare. If you are a health care provider, press second pause... If you're a member covered by TRS-ActiveCare, please say member Employee must say Member The conversant then says... To direct your call, please say medical or prescription drugs Please hold while I connect you...this call may be recorded. Thank you for calling Member Services...please briefly describe the reason for your call Briefly state your issue (i.e., deductible, co-pay, coverage) you will be directed accordingly.