2018 healthcare benefits for retirees age 65 and older Welcome!
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1 2018 healthcare benefits for retirees age 65 and older who retired under the 2005 or later agreements between Caterpillar and the UAW (and/or eligible spouses/partners) Welcome! In the event that the content of this presentation or any representations made by any person regarding the plans conflict with or are inconsistent with the provisions of the plan documents, the provisions of the plan documents are controlling. To the fullest extent permitted by law, Caterpillar Inc. reserves the right to amend, modify, suspend, replace or terminate any of its plans, policies or programs, in whole or in part, at any time and for any reason, by appropriate company action.
2 What s Changing? New contract ratified March 27, Caterpillar is also extending same benefit changes to previous retirees who retired under 2005 and later agreements, unless they opt out. You will be enrolled in the same healthcare benefit plan that management retirees age 65 and older participate in today. A new Health Reimbursement Arrangement (HRA) will be available to help fund your healthcare coverage. OneExchange will help you find and enroll in coverage that works for you.
3 Health Reimbursement Arrangement Caterpillar provides annual benefit dollars ($3,000 each per retiree and spouse) Benefit dollars are deposited into Health Reimbursement Arrangement (HRA) account Retiree purchases health insurance to supplement Medicare and may use the HRA for reimbursement of: Unused amounts roll over from year to year Premiums (Part B also) Eligible medical expenses
4 Comparison Example (using 2017 data) 2017 Options - Caterpillar Plan (UAW) 2017 Options - One Exchange Plan Caterpillar PPO Plan Caterpillar EPO Plan Medicare Part A $0 $0 Medicare Part B $134 $134 Caterpillar Premium $284 $284 Average Monthly OOP $122 $68 Total Monthly Cost to Retiree $540 $486 Average Annual Med B Reimbursement ($99.50) ($99.50) Net Monthly Cost to Retiree $ $ Total Annual Cost to Retiree $5,284 $4,626 Plan Cost to Retiree (Highest Coverage) Cost to Retiree (Average Coverage) Medicare Part A $0 $0 Medicare Part B $134 $134 Medical with Rx $164 $36 Dental $48 $23 Vision $14 $14 Average Monthly OOP without Rx $0 $93 Average Annual Cost $4,320 $3,600 Caterpillar Annual HRA Allowance $3,000 $3,000 Net Monthly Cost $110 $50 Total Annual Cost $1,320 $600 Potential annual savings of over $4,600
5 Introducing OneExchange
6 Helping You Prepare For Your Upcoming Medicare Enrollment September 5, 2017
7 OneExchange Who We Are Your Future Coverage OneExchange For Your Benefit A Deeper Dive Benefit Advisors, Private Exchange, Optimize Savings Health Reimbursement for You Next Steps Questions and Answers 7
8 OneExchange Health Insurance Marketplace 9 out of 10 Retirees reported they would work with OneExchange again No fees for Our service This will be our 12 th annual enrollment season Founded in 2004 Towers Watson OVER 1.7 million Retirees served across 560+ employers Licensed advisor provides guidance and ongoing advocacy Personalized options with plans from a nationwide network of insurers More Choice, More Flexibility Better Value 8
9 OneExchange Service Centers Operating hours: Monday Friday, 7:00 a.m. until 8:00 p.m. Central Time Salt Lake City, UT Phoenix, AZ Dallas, TX 100% Domestic Workforce No Outsourcing! 9
10 Plans and Insurers Medicare Advantage Medicare Supplement (Medigap) Prescription Drug (Part D) Dental and Vision Plans Available 10
11 Your Future Coverage
12 Your Future Coverage How Medicare coverage works Primary Coverage Medicare A and B Additional Coverage (your choice) * Medicare Advantage with Prescription Drug (MAPD) or * Medigap + Prescription Drug Optional Coverage (your choice) Dental Plans Vision Plans 12
13 Your Medicare Options Option 1: Medicare Advantage with Prescription Drug coverage (MAPD) HMO MAPD PPO * Note that Medicare Advantage plans are generally network based plans. 13
14 Your Medicare Options Option 2: Medicare Supplement Insurance (Medigap) + Part D Prescription Drug plan MEDIGAP PLAN PART D PDP Note: You may need to pay your first premium when you enroll in coverage. 14
15 Medicare Supplement Insurance (Medigap) Lettered Policies Medicare Supplement Insurance (Medigap) Policies Benefits A B C D F G K L M N Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Medicare Part B coinsurance or copayment 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% Blood (first 3 pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% Part A hospice care coinsurance or copayment Skilled nursing facility care coinsurance 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% Part A deductible 100% 100% 100% 100% 100% 50% 75% 50% 100% Part B deductible 100% 100% Part B excess charges 100% 100% Foreign travel emergency (up to plan limits) Source: CMS 80% 80% 80% 80% 80% 80% Out-of-Pocket limit in 2017 $5,120 $2,560 15
16 Part D Plans 5 Tiers of Co-Pays A prescription drug plan will typically break the formulary into tiers. The tiers correspond to the copayment or coinsurance the beneficiary will pay. Cost-sharing increases with the tier number. Tier 1 is the least expensive, tier 4 or 5 is the most expensive. Tier descriptions: Tier 1 - preferred generic Tier 2 - non-preferred generic Tier 3 - preferred brand Tier 4 - non-preferred brand Tier 5 - specialty drugs or injectable medicine 16
17 Medicare Prescription Drug Coverage 2018 You Pay Full Retail Until Deductible is Met $0 to $405 You pay 35% of Brand Name and 44% of Generics until your out of pocket costs reach $5000 Pharmaceutical contributions will count towards the $5000 TrOOP Payments made by insurance company to discount drugs DO NOT count towards TrOOP Deductible Initial Coverage Coverage Gap Catastrophic Coverage Insurance payments count towards Coverage Gap You pay copays for your plan coverage for the first $3750 in actual costs of Medications Only 25% reach Donut Hole Only 4% reach Catastrophic You Pay $3.35 for Generics and $8.35 for Brand Name or 5% - whichever is greater 17
18 A Deeper Dive Into Our Process
19 The OneExchange process Consultative Process Simplified Selection Effortless Enrollment Ongoing Advocacy 19
20 Education For those retirees losing group coverage (retired beginning March 27, 2017) Getting Started Guide: Prepare for your enrollment Pre-existing conditions will not limit your plan selection * Make an appointment to enroll Call Toll Free medicare.oneexchange.com/caterpillar *Except end-stage renal disease 20
21 Education Enrollment/Advantage Guide: Understand your options Review Medicare basics What to expect during your enrollment call FAQs Appointment confirmation Call Toll Free to enroll medicare.oneexchange.com/caterpillar 21
22 Benefit Advisors Licensed / Certified / Appointed OneExchange University Average age 43 Objective & unbiased 100% domestic workforce Benefit advisors are available: Monday Friday, 7:00 AM. until 8:00 PM Central Time 22
23 Decision Support Tools Prescription Profiler medicare.oneexchange.com/caterpillar 24/7 access to your information Load in your prescriptions Shorten your time on the phone with us! 23
24 Decision Support Tools Help Me Choose comparison tool 24
25 Enrollment Process Two Step Process: 1. Benefit Advisors Benefit Advisors can discuss coverage options with anyone 2. Application Data Processors Telephonic enrollment 100% of calls are recorded 25
26 Enrollment Process Selection Confirmation Letter Review the plan(s) that you selected The selection confirmation letter will be sent shortly after you enroll. This letter confirms that your applications have been submitted. 26
27 Personal Guidance An Ongoing Advocate Navigation Enrollment Prescription changes Affordability concerns Reimbursement issues Late enrollment HRA Annual plan review The plans you select continue on year to year. No need to re-enroll in the fall unless you want to make a plan change. 27
28 Health Reimbursement Arrangement (HRA) 28
29 Health Reimbursement Arrangement Tax-free account used to reimburse you for eligible health care expenses you pay first and then get reimbursed If you are eligible, Caterpillar will make an annual contribution to a Health Reimbursement Account (HRA) You may use HRA funding to reimburse yourself for eligible medical, prescription drug, dental, vision and Medicare part B premiums, as well as eligible out-of-pocket healthcare expenses Your HRA funding will be available January 1, 2018 Unused funds DO roll over 29
30 Qualify for your Health Reimbursement Arrangement ENROLL IN A PLAN THROUGH ONEEXCHANGE BEFORE THE END OF YOUR ENROLLMENT PERIOD DECEMBER 31, 2017 TO HAVE ACCESS TO YOUR HEALTH REIMBURSEMENT ARRANGEMENT (HRA) We recommend you schedule a call to enroll. You can also go online to investigate your options once the enrollment period begins. 30
31 Health Reimbursement Arrangement You may be reimbursed up to the amount available in your HRA! 31
32 Health Reimbursement Arrangement Options for Reimbursement Option 1 Automatic Reimbursement Option 2 Manual* Reimbursement Participant Up to the amount available in your HRA $ $ Participant OneExchange Insurance Carrier OneExchange Insurance Carrier * Same for recurring reimbursement form 32
33 Next Steps 33
34 What You Need To Do: Action Required! Schedule a call to enroll Make sure you have your Medicare card when you call Contact OneExchange Call now to complete your profile and schedule an enrollment call You will need your Medicare card, prescription list, and doctor and hospital information 34
35 Thank you! Call Now, We Are Ready! medicare.oneexchange.com/caterpillar 35
36 If you choose to opt out of the management plan (retirees who retired between January 2005 and March 26, 2017) What you need to do 1. Call Caterpillar s 2018 UAW healthcare hotline to request an opt-out form 2. Return it postmarked by October 6, 2017
37 Questions and Answers Q A 37
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