Under 65 Participant Welcome Kit
|
|
- Alban Dean
- 5 years ago
- Views:
Transcription
1 Under 65 Participant Welcome Kit This booklet contains important information on your health care coverage. *Services provided by Mercer Health & enefits Administration LLC. Mercer Marketplace 365SM* P.O. ox 14401, Des Moines, IA (toll-free) (TTY) (fax)
2 INCLUDED IN THIS KIT WHO S WHO...3 There are many people supporting you through this transition. This list will help you understand the roles and responsibilities of each group. WHAT YOU NEED TO KNOW...4 Knowing what to do and what to expect will help you prepare for a smooth transition. APPOINTMENT PREPARATION...5 Following these steps will help you get the most out of your consultation with a enefits Counselor. OVERVIEW OF PLANS...6 Understanding the four different plan types available to you, and what factors may help you make a decision. PREPARIN TO ENROLL...7 These are questions to answer to help you prepare to enroll and items you will need to have ready before you enroll. HEALTH CARE PROVIDER TRACKER...8 List your important health care providers to help determine what kind of plan will best meet your needs. PRESCRIPTION DRU TRACKER...9 ather your prescriptions in one place to give you a head start toward making a sound selection. HEALTH REIMURSEMENT ACCOUNT (HRA)...10 Important facts about your HRA. NOTES...11 Use this page to keep track of any items you wish to discuss when you talk to your enefits Counselor. Welcome to Mercer Marketplace 365. Having the right health care coverage to meet your needs and budget during retirement is important. That s why Motorola Solutions, Inc. ( MSI ) is partnering with Mercer Marketplace 365 to provide resources that will help you choose a plan from a variety of health care coverage options. You will shop for and enroll in your new coverage through Mercer Marketplace 365. You will have several options to choose from to meet your medical and prescription drug needs. Mercer Marketplace 365 and its enefits Counselors are ready to support you as you transition to retirement. They will help you understand the different individual plans offered to you, determine the best plan for you, and help you enroll. When you sign up for your new coverage through Mercer Marketplace 365, MSI will provide you with a subsidy to offset the cost of your health insurance. The subsidy will be placed in a Health Reimbursement Account ( HRA ) set up in your name. This is a special, tax-free account that you may use to reimburse yourself for insurance premiums. Page 10 provides more information about your Health Reimbursement Account. To be eligible for the subsidy, you must enroll for medical coverage through Mercer Marketplace 365. You will have a dedicated enefits Counselor from Mercer Marketplace 365. Your enefits Counselor will help you compare your medical, prescription drug, critical illness, dental, and vision coverage options. You can also visit our website to compare your options and learn more about Mercer Marketplace 365. Refer to page 5 for more information about connecting with your enefits Counselor. In the meantime, review this Welcome Kit. It contains tools and exercises to help you prepare for your consultation. Completing the information in this booklet will make it easy for you and your enefits Counselor to evaluate your options and get you enrolled. Our team is excited to serve you in this program. You may reach Mercer Marketplace 365 Monday through Friday, from 8:00 a.m. to 5:30 p.m. EST at toll-free (TTY ) to set up a consultation with our enefits Counselors who are available to support you during your enrollment period. Or, visit us online at at your convenience, 24 hours a day, seven days a week. For additional information about Mercer Marketplace 365, including our compensation and privacy practices, please see the enclosed documents. We look forward to working with you. Mercer Marketplace 365 PAE 2
3 Our enefits Counselors will help you through the change in health insurance and get the most out of your Health Reimbursement Account (HRA). Who s Who? You are not alone in this transition. MSI carefully evaluated the retiree health insurance market and selected a team of companies and individuals to support you throughout your enrollment and in the future. MSI values their retiree relationships and continues to work to provide access to comprehensive programs that support the needs of retirees and their families. MSI research determined that the robust individual health insurance market offers retirees choice and flexibility in coverage options to maximize the value of your HRA dollars. To best support retirees with the service and support necessary for this transition, MSI evaluated several potential partners and has assembled the following team: MERCER MARKETPLACE 365 Our enefits Counselors are licensed insurance professionals who are available to assist you with this transition. They will help you learn how to evaluate and compare plans to select a strategy that best fits your needs. When you have selected your plan(s), your enefits Counselor will help you through the enrollment process to ensure that all information is submitted accurately and timely to the insurance carrier(s). Once you have enrolled, your enefits Counselor continues to support you throughout the year with your reimbursement requests, HRA inquiries, and insurance advocacy. INSURANCE COMPANIES You will be able to enroll in individual health plan policies offered by leading health insurance companies. Once you enroll in your selected plan, a new health insurance card will be issued to you directly by your new insurance carrier. PAE 3
4 WHAT YOU NEED TO KNOW efore your call with Mercer Marketplace 365 KEEP TRACK OF YOUR HEALTH AND PRESCRIPTION DRU COSTS AND LIST YOUR PROVIDERS Start by keeping track of your individual health care expenses. This step will prepare you for your call with your enefits Counselor, and assist you in making sure you have a health care plan that is best for your situation. Use the Health Care Provider Tracker on page 8 to list your important providers. Use the Prescription Drug Tracker on page 9 to record your monthly prescriptions. Providing correct information in the trackers will help your enefits Counselor at Mercer Marketplace 365 analyze your health insurance needs. As soon as possible SCHEDULE A TELEPHONE CONSULTATION WITH YOUR ENEFITS COUNSELOR Call Mercer Marketplace 365 to schedule a one-on-one consultation with your enefits Counselor. During this call, you should notify your enefits Counselor if you will be opting-out of coverage. efore you select a health care plan CONSULT WITH YOUR ENEFITS COUNSELOR AND PREPARE TO ENROLL IN YOUR HEALTH PLAN Please take this opportunity to utilize your enefits Counselor and his or her health insurance expertise. He or she will present you with all of your options so you can feel confident about the decision you are making. To avoid a gap in your health care coverage ENROLL IN YOUR HEALTH PLAN Your coverage start date will not be retroactive, so please be sure to enroll in your health plan prior to your previous coverage ending. When you are ready to enroll in your new plan(s), call your enefits Counselor at or (TTY ). Post enrollment EXPECT YOUR ENROLLMENT PACKAE After submitting your enrollment, please watch for an enrollment package from your enefits Counselor. This package will provide details on when to expect your insurance card(s), how to access your HRA, how to submit claims and when you will receive reimbursements. Ongoing UTILIZE YOUR ENEFITS COUNSELOR Your enefits Counselor is your year-round advocate. Call your Mercer Marketplace 365 enefits Counselor whenever you have questions about any health insurance related matters. PAE 4
5 ACT QUICKLY for your new health care plan to be effective as NEXT STEPS Appointment Preparation Follow these steps to ensure that you are prepared for your phone consultation with a Mercer Marketplace 365 enefits Counselor. applicable. 1 Call Mercer Marketplace 365 Monday through Friday between 8:00 a.m. and 5:30 p.m. ET at to schedule your one-on-one consultation with a enefits Counselor. QUESTIONS FOR MY ENEFITS COUNSELOR Appointment Date Time enefits Counselor Phone 2 Prepare for your appointment. To help guide your decision, please see the Questions To Think About section on page 6. 3 Complete the Health Care Provider Tracker and Prescription Drug Tracker forms included in this kit. Please mail, fax, or this information days before your appointment. MotorolaSolutions.Retiree.Exchange@mercer.com Secure fax: Address: Mercer Marketplace 365 P.O. ox Des Moines, IA Write down your questions or concerns in the space on the left side of this page. Your enefits Counselor will take the time to explain your health care insurance options and answer any questions you have. Our goal is to help you select the health plan that best fits your needs. 5 If known, write down your current plan information below to discuss with your enefits Counselor during your consultation: Insurance Carrier Plan Name PAE 5
6 OVERVIEW OF PLANS Understanding Your Options Plans are tiered and named after metals: Platinum, old, Silver, and ronze. The cost sharing structure is different from tier to tier. ut keep in mind that all of the plans, regardless of tier, combine both medical coverage and prescription coverage under one plan. Higher Premium Lower Premium Lower out-of-pocket expense Higher out-of-pocket expense Platinum: typically, the premium payments are highest for this tier, but the expected out-of-pocket costs when seeking care are the lowest among the tiers. old: typically, the premium payments are lower than Platinum, but the expected out-ofpocket costs when seeking care are slightly higher. HOW IT WORKS Questions to Think About Silver: typically, the premium payments are lower than old and higher than ronze. The expected out-of-pocket costs when seeking care are slightly higher than old and lower than ronze. ronze: typically, the premium payments are the lowest for this tier, but the expected out-of-pocket costs when seeking care are the highest among the tiers. As you compare your health care insurance options, it is important to consider all the costs of the plan, not just the monthly premium. When determining your budget, remember to include other factors that go into your health care expenses, like prescriptions and provider visit co-payments. This will help you get a clear picture of the true cost differences among the insurance plans. elow are some questions you and all family members who are under age 65 should consider. These will help determine the best plan at a cost you can afford:. Who do you want to enroll (who are under 65) and what are their dates of birth?. How many times a year do you or your family visit the doctor? How many ongoing monthly prescriptions do you have? Are any other benefits such as children s dental or chiropractic care important to you? PAE 6
7 NEXT STEPS Preparing to Enroll When you have your consultation with your Mercer Marketplace 365 enefits Counselor, you will need to provide some of your basic household information. Use the checklist below to help you with some of the information you will need on your call: Your Social Security Number (or other document ID number if you re a legal immigrant). Current income: either a pay stub, your W-2 tax form, or your most recent tax return. ACT QUICKLY for your new health care plan to be effective as applicable. Other income information: this could include unemployment checks, child support, veterans payments, alimony, retirement income or other sources. People in your household: the number of people who you claim as dependents, whether or not they live with you. Current health plan information: the type of current health insurance coverage you have and other health plans you may _have access to in the year ahead. KEEP IN MIND When you Enroll After researching your health insurance plan options and gathering your basic household information as listed above, please keep in mind: You have options for coverage: you may elect a plan that provides coverage for your family, or each family member can enroll in an individual plan. You may have access to federal tax credits: when you call Mercer Marketplace 365, your enefits Counselor will walk you through your options. He or she will make you aware of any available tax credits for which you may qualify, and how that will impact any HRA, if applicable. PAE 7
8 NAME PHONE (PLEASE PRINT) Health Care Provider Tracker List your current health care providers on this sheet. Some health care plans like HMOs and PPOs use networks. athering your health care providers information here will help you and your enefits Counselor compare access to your current providers. You also can contact your providers and ask them which health care plans they accept. 1. PRIMARY CARE PHYSICIAN NAME PHONE ADDRESS athering your health care providers information will help determine if your providers accept the new health insurance you are considering. TIP Some providers do not participate in certain HMO and PPO plans. 2. SPECIALIST NAME PHONE ADDRESS 3. SPECIALIST NAME PHONE ADDRESS 4. OTHER NAME PHONE ADDRESS 5. OTHER NAME PHONE ADDRESS Please submit this worksheet days prior to your scheduled consultation. Mail, fax, or to: Mercer Marketplace 365 P.O. ox 14401, Des Moines, IA Fax: PAE 8
9 NAME PHONE (PLEASE PRINT) Prescription Drug Tracker (Please Print Clearly) In order to construct an accurate cost analysis, we will need your complete and accurate drug information. For example, it is important to indicate the name of the drug that you are taking, and whether you are taking a RAND or ENERIC version. Please note, over-the-counter medications, vitamins, and supplements are not covered by prescription drug plans and therefore are not required on this form. IF THE IF THE SUPPLY SUPPLY OF A OF PRESCRIPTION A MEDICATION DRU LASTS LASTS LONER LONER THAN THAN ONE ONE MONTH MONTH OR IS OR IS ONLY USED AS NEEDED (PRN), PLEASE TELL US HOW OFTEN IT IS ORDERED. NAME OF MEDICINE (Excluding vitamins and over the counter) RAND OR ENERIC FORM AND DOSAE PACKAE SIZE / QUANTITY MONTHLY (Quantities, number of packages) COST EXAMPLES: Simvastatin 20 mg tablet Timolol Maleate Opthalmic Sol 0.5% OP Sol 10 ml bottle 1 bottle per month Nasocort AQ AER 55 mcg/ac 16.5 gm inhaler 1 inhaler per month Ciclopirox el 0.77% gel 30 gm tube 1 tube per month Lantus Solostar INJ PAE ml 3 ml pen (pack of 5) 10 pens (2 packs of 5 pens per month) Please complete one Prescription Drug Tracker per person. Please mail, fax, or this worksheet days before your scheduled consultation to: Mercer Marketplace 365 P.O. ox 14401, Des Moines, IA Fax: MotorolaSolutions.Retiree.Exchange@mercer.com
10 Your HRA through Mercer Marketplace 365 MSI is providing an HRA for their retirees and eligible dependents. This HRA may be used for Individual Health, Prescription Drug, Dental, Vision, and Critical Illness plan(s). You will first pay your premiums directly to your insurance carriers, then be reimbursed by Mercer Marketplace 365 from your HRA account. ecause Mercer Marketplace 365 is administering these HRA reimbursements, you will have one place to call for all your insurance and reimbursement needs. Any change to the program will be provided via direct communication from MSI. > Who s covered? Pre-65 MSI retirees and their eligible dependents, if they elect health insurance coverage through Mercer Marketplace 365. > How can I use the HRA? You can be reimbursed for certain eligible health care expenses (for example, your monthly premiums, and other eligible outof-pocket expenses, including co-payments, coinsurance, and deductibles). ONLINE ACCESS OF YOUR HRA Once your eligibility has been confirmed by your employer, you will be able to access your HRA information 24/7 by taking the following steps: 1) Visit com/msiaccess In the far right box, outlined in red below, click LO IN. Use the primary account holder s information to log in to access your HRA. 2) Next, in the red box outlined below, enter your Social Security Number (omit any dashes) as your User Name, and your Date of irth (MMDDYYYY) as your password. You will be prompted to change your password after you complete this initial log in. (This is a secure site.) WHEN TO EXPECT REIMURSEMENTS FROM YOUR HRA Approved claims received Monday through 12 p.m. EST on Friday will be reimbursed Friday of the following week, excluding bank holidays. Direct deposits are made that Friday. Hard checks will be issued Friday and take approximately 3-5 business days to be delivered. 3) From your dashboard, shown below, you can: View your account balance Submit claims and check their status Set up or edit direct deposit Access many other convenient features PAE 10
11 NOTES AND QUESTIONS FOR A ENEFITS COUNSELOR PAE 11
12 PAE 12
Medicare-Eligible Welcome Kit
This booklet contains important information on how health care plan changes will affect you. *Services provided by Mercer Health & enefits Administration LLC. Mercer Marketplace 365SM* P.O. ox 14401, Des
More informationMedicare-Eligible Welcome Kit
This booklet contains important information on how health care plan changes will affect you. *Services provided by Mercer Health & enefits Administration LLC. Mercer Marketplace 365SM* P.O. ox 14401, Des
More informationMedicare-Eligible Welcome Kit
Medicare-Eligible Welcome Kit This booklet contains important information on how healthcare plan changes will affect you. *Services provided by Mercer Health & enefits Administration LLC. Mercer Marketplace
More informationCOMCAST NBCUNIVERSAL WELCOME KIT FOR PRE-65 INDIVIDUALS
COMCAST NBCUNIVERSAL WELCOME KIT FOR PRE-65 INDIVIDUALS LOOK INSIDE TO LEARN MORE ABOUT: Connecting with a licensed Benefits Counselor Exploring your new healthcare coverage options Enrolling in a plan
More informationWINDSTREAM WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS
WINDSTREAM WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS YOU WILL WANT TO LOOK INSIDE TO LEARN MORE ABOUT: Connecting with a licensed Benefits Counselor Exploring your new healthcare coverage options
More informationCOMCAST NBCUNIVERSAL WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS
COMCAST NBCUNIVERSAL WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS LOOK INSIDE TO LEARN MORE ABOUT: Connecting with a licensed Benefits Counselor Exploring your new healthcare coverage options Enrolling
More informationMERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE
MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE Please keep this guide in a convenient location so that you may refer to it as needed. Contact us by: Phone (toll-free): 1-866-609-4810 For deaf or hard of
More informationMERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE
MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE Please keep this guide in a convenient location so that you may refer to it as needed. Contact us by: Phone (toll-free): 1-866-321-0967 For deaf or hard of
More informationMERCER MARKETPLACE 365 S M * RRA INSTRUCTIONAL GUIDE
MERCER MARKETPLACE 365 S M * RRA INSTRUCTIONAL GUIDE Please keep this guide in a convenient location so that you may refer to it as needed. Contact us by: Phone (toll-free): 1-866-435-5135 Dial 711 (deaf
More information2016 Your. Getting Started Guide. Prepare for Your Medicare Plan Enrollment
2016 Your Getting Started Guide Prepare for Your Medicare Plan Enrollment Important! How to Contact Us Contact us by phone 1-844-287-9945 (TTY: 711) Monday through Friday, 8 a.m. until 9 p.m. Eastern Time
More information2018 Getting Started Guide
2018 Getting Started Guide Prepare for Your 2018 Medicare Coverage Enrollment IMPORTANT! Your current health plan ends on CoverageEndDate. ClientName has chosen Via Benefits to work with
More informationGetting Started Guide
2018 Getting Started Guide Prepare for your 2018 Medicare coverage enrollment IMPORTANT! Your current health plan ends on December 31, 2017. Your Annual Conference or employer and Wespath Benefits and
More informationMERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE
MERCER MARKETPLACE 365 HRA INSTRUCTIONAL GUIDE Please keep this guide in a convenient location so that you may refer to it as needed. Contact us by: Phone (toll-free): 1-855-698-1568 For deaf or hard of
More informationExtend Health. New Health Coverage with More Choices
Extend Health New Health Coverage with More Choices Get ready for a new approach to health coverage with more flexibility to choose a plan that fits your needs. Effective January 1, 2013, health care benefits
More informationOFF TO A FRESH START. ENROLLMENT GUIDE.
Let RHA help find the right individual health insurance policy for you. Visit www.rhaexchange.com/dte or call toll-free 1-844-866-8257, Monday through Friday, 9 a.m. 7 p.m. (ET). OFF TO A FRESH START.
More information2018 Health Insurance Access Guide
2018 Health Insurance Access Guide Guide to Enrolling in Individual & Family Plans Through Via Benefits Making it Easier for You and Your Family to Find the Right Health Plan Please take a moment to review
More informationThe Auto Club Group Retiree Health Program. Medicare-Eligible Retiree Guide
The Auto Club Group Retiree Health Program Medicare-Eligible Retiree Guide Replacing Your Auto Club Group Retiree Health Plan Did You Know? With the Aon Retiree Health Exchange, you could potentially pay
More informationResearch Foundation (RF) Retiree Health Insurance Plan. Post-65 Medicare-Eligible Retiree Transition Guide
Research Foundation (RF) Retiree Health Insurance Plan Post-65 Medicare-Eligible Retiree Transition Guide A NEW WAY TO SUPPLEMENT MEDICARE COVERAGE Eligibility for the Aon Retiree Health Exchange You will
More informationFEEL BETTER ABOUT YOUR CHOICES
2015 FEEL BETTER ABOUT YOUR CHOICES CHOOSE WELLCARE. CHOOSE A PLAN TO FIT YOUR NEEDS. Information on individual and family plans inside. Kentucky Boone, Bullitt, Campbell, Clay, Harlan, Jefferson, Jessamine,
More informationFrequently Asked Questions 2018 Annual Enrollment
The Annual Enrollment window will open on Monday, Oct. 9 to make 2018 benefit elections. Failure to enroll by Monday, Oct. 23 will result in no coverage for 2018. Visit windstreambenefits.com to enroll.
More information2019 Enrollment Guide
2019 Enrollment Guide Enroll in Additional Medicare Coverage for 2019 Table of Contents 7 Introducing Via Benefits 8 What to Expect From Us 9 Your New Coverage: Getting Started 12 Three Steps to Enrollment
More informationInsurance Trust for Delta Retirees (ITDR) Q&A following the October 18, 2017 BCBSGA Medicare Advantage PPO Webinar
Insurance Trust for Delta Retirees (ITDR) Q&A following the October 18, 2017 BCBSGA Medicare Advantage PPO Webinar Is the Medicare Advantage plan an HMO? Answer. No, the Medicare Advantage plan is a PPO
More information2019 Pre-Medicare Retiree Healthcare Open Enrollment
2019 Pre-Medicare Retiree Healthcare Open Enrollment CHANGES ONLY ENROLLMENT Submit Enrollment Changes Before November 21 You MUST complete and submit the enclosed enrollment form by November 21 if you
More information2018 Benefits Buyer s Guide
2018 Benefits Buyer s Guide 2018 ANNUAL BENEFITS ENROLLMENT IS NOVEMBER 13 THROUGH DECEMBER 1, 2017 YOU MUST MAKE AN ELECTION THIS YEAR Learn more about the changes and a better way to shop for benefits
More informationChoosing a Plan in the Medicare Marketplace. Follow the steps in this workbook with a family member, friend or other trusted advisor.
Choosing a Plan in the Medicare Marketplace Follow the steps in this workbook with a family member, friend or other trusted advisor. Table of Contents Getting Started... 3 Step 1: Learn... 4-11 Gather
More informationInformation for Age 65+ NXP Medicare-Eligible Retirees and Medicare-Eligible Dependents
Information for Age 65+ NXP Medicare-Eligible Retirees and Medicare-Eligible Dependents Beginning January 1, 2016, NXP retirees who are at least 65 years old and eligible for Medicare (or their dependent
More informationHealthcare Benefits for NJM s Medicare-eligible Retirees, Spouses and Surviving Spouses
Healthcare Benefits for NJM s Medicare-eligible Retirees, Spouses and Surviving Spouses About this guide This guide explains the steps you must take to ensure that you make sound, timely choices regarding
More informationFor Participants in the Management Retiree Plan Design
INFORMATION AND ACTION GUIDE 2012 Benefits Enrollment This package contains everything you need to make your enrollment decisions, including: This guide; Your personalized enrollment worksheet; and Benefits
More information2018 healthcare benefits for retirees age 65 and older Welcome!
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
More informationHelping You Prepare For Your Upcoming Medicare Enrollment
Welcome PEBP 1 Helping You Prepare For Your Upcoming Medicare Enrollment October, 2016 2016 Willis Towers Watson. All rights reserved. OneExchange Who We Are Your Future Coverage OneExchange For Your Benefit
More information2019 Pre-Medicare Retiree Healthcare Open Enrollment
2019 Pre-Medicare Retiree Healthcare Open Enrollment CHANGES ONLY ENROLLMENT Submit Enrollment Changes Before November 21 You MUST complete and submit the enclosed enrollment form by November 21 if you
More informationAnnual Notice of Changes for 2018
Aetna Medicare SM Plan (PPO) Annual Notice of Changes for 2018 1 Aetna Medicare SM Plan (PPO) Offered by Aetna Life Insurance Company Annual Notice of Changes for 2018 November 2017 What to do now 1. ASK:
More informationAon Retiree Health Exchange Transition Guide
Aon Retiree Health Exchange Transition Guide New Health Care Coverage Options and Resources for Medicare-Eligible Retirees, Survivors, Long Term Disability Participants and Their Eligible Dependents. Welcome
More informationHelping You Prepare For Your Upcoming Medicare Enrollment
Helping You Prepare For Your Upcoming Medicare Enrollment August 16, 2016 2016 Willis Towers Watson. All rights reserved. OneExchange Who We Are Your Future Coverage OneExchange For Your Benefit A Deeper
More information2018 Retiree Choice Annual Enrollment Guide
2018 Retiree Choice Annual Enrollment Guide October 25 through November 8, 2017 Enrolling What You Need to Do Payment Options How to Enroll What s New for 2018? Here are the benefit changes that will be
More informationFirst Data 2017 Annual Enrollment Aon Active Health Exchange Plenty to Pick From make it yours
First Data 2017 Annual Enrollment Aon Active Health Exchange Plenty to Pick From make it yours September 2016 First Data 2017 Annual Enrollment - Get Started Agenda What s Coming Up New Parental Leave
More informationPHARMACY BENEFIT MEMBER BOOKLET
PHARMACY BENEFIT MEMBER BOOKLET Printed on: VALUE, QUALITY AND CONFIDENCE Costco Health Solutions Customer Care HOURS: 24 Hours a Day 7 Days a Week (877) 908-6024 (toll-free) TTY 711 MAILING ADDRESS: Costco
More informationAnnual Notice of Changes for 2019
Eon Deluxe (HMO SNP) offered by Eon Health, Inc. Annual Notice of Changes for 2019 You are currently enrolled as a member of Eon Deluxe. Next year, there will be some changes to the plan s costs and benefits.
More informationLive a Healthy and Vibrant Life
2017 Annual Enrollment November 2 18, 2016 Medicare -Eligible Retirees DOW U.S. BENEFITS WHAT S NEW FOR 2017 Live a Healthy and Vibrant Life Your Dow retiree benefits support you in living a healthy and
More informationNew coverage with new choices
New coverage with new choices Effective January 1, 2018, eligible retirees who retire(d) under the Central Labor Agreement on or after Jan. 10, 2005, their eligible spouses and surviving spouses who are
More informationThings 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
More informationRETIREMENT PLANNING GUIDE
RETIREMENT PLANNING GUIDE For U.S. Salaried and Non-Union Hourly Positions What s inside: Pension and 401(k) Benefits...2 Retiree Health Care Benefits...3 Benefits in Retirement Before Age 65...5 Benefits
More informationFREQUENTLY ASKED QUESTIONS
Pfizer Medicare-Eligible Prescription Drug Coverage FAQs 2016 Annual Enrollment Period October 2015 FREQUENTLY ASKED QUESTIONS These FAQs provide information about the Jan. 1, 2016 move to SilverScript
More informationEnrollment Guide. Enroll in Additional Medicare Coverage for 2018
2018 Enrollment Guide Enroll in Additional Medicare Coverage for 2018 Table of Contents 11 Towers Watson s OneExchange 12 What to Expect From Us 13 Your New Coverage: Getting Started 16 Enrollment Checklist:
More informationMedical Benefits Trust
UAW RETIREE Medical Benefits Trust Dear UAW Trust Member, HEALTH CARE BENEFIT HIGHLIGHTS 2018 At the UAW Retiree Medical Benefits Trust (the Trust ), we recognize how important health care benefits are
More informationPlanning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts
Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
More informationAlyeska Pipeline Service Company Retiree Medicare Eligible Reimbursement Health Plan
Alyeska Pipeline Service Company Retiree Medicare Eligible Reimbursement Health Plan This guide explains your upcoming Alyeska post age 65 retirement healthcare benefits, and the steps you must take to
More informationYour Health Insurance Options under Health Care Reform
Your Health Insurance Options under Health Care Reform The health care reform law requires that most Americans have health insurance by January 1, 2014. It is in place to make sure Americans have access
More informationFlexible Spending Account (FSA) Enrollment Kit
Flexible Spending Account (FSA) Enrollment Kit Significant Savings 24/7 Web access Fast, Efficient, Convenient The benefit that benefits everyone With the EBS RMSCO Debit Card B 3384 An FSA means more
More informationSilverScript Employer PDP sponsored by Southern California Edison Frequently Asked Questions
SilverScript Employer PDP sponsored by Southern California Edison Frequently Asked Questions Q: What is SilverScript Employer PDP sponsored by Southern California Edison? A: SilverScript Employer PDP sponsored
More informationChevron Retirees Association. October 15 December 7, 2017
Chevron Retirees Association Chevron / OneExchange Open Enrollment October 15 December 7, 2017 The Chevron Retirees Association is not a subsidiary of the Chevron Corporation but an independent, non-profit
More informationYour Pre-65 Retiree Health Care Benefits Book
Your Pre-65 Retiree Health Care Benefits Book This U.S. Benefits Book describes the Health Reimbursement Account and other benefits effective January 1, 2017, for retirees and their dependents who are
More informationRetirement Solutions Enrollment Guide
Enrollment Guide Preparing for 2017 Medicare Enrollment Contents Who is HealthPlanOne?...3 What to Expect from Us...4 How will this process work?...5 Gather Your Information...6 Contact Information and
More informationUPMC RETIREMENT BENEFITS YOUR RETIREMENT GUIDE. A Step-by-Step Checklist
UPMC RETIREMENT BENEFITS YOUR RETIREMENT GUIDE A Step-by-Step Checklist YOU RE RETIRING SOON CONGRATULATIONS! RETIRING IS A BIG STEP You ll be asked to make many important decisions about your UPMC benefits
More informationLife 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
More informationANNUAL NOTICE OF CHANGES
VANTAGE MEDICARE ADVANTAGE 2017 ANNUAL NOTICE OF CHANGES and EVIDENCE OF COVERAGE Your Medicare Health Benefits and Services as a Member of Vantage Health Plan, Inc. CONTACT MEMBER SERVICES Local: (318)
More informationYou have three health plan options for 2006 Blue Cross HMO (CaliforniaCare), Kaiser Permanente HMO and Blue Cross PPO.
Flex FAQs Health Plans and Prescription Drug Coverage 1. Have the health plan choices changed? You have three health plan options for 2006 Blue Cross HMO (CaliforniaCare), Kaiser Permanente HMO and Blue
More informationNew Approach to Retiree Health Care Coverage. New Choices Better Value
New Approach to Retiree Health Care Coverage New Choices Better Value What We ll Cover Today What s Changing and Why What You Need To Do Introducing Extend Health Understanding Supplemental Medicare Insurance
More informationPart-Time Employees BENEFITS GUIDE
2015-2016 Part-Time Employees BENEFITS GUIDE We are excited to offer you a robust, comprehensive and flexible benefits package that can fit your needs and those of your family. Our most important goal
More informationAon Retiree Health Exchange What your Pre-Medicare retirees need to know
Aon Retiree Health Exchange What your Pre-Medicare retirees need to know Q. Why is OP&F changing our current health care coverage? A. Funding for the retiree health care plan at OP&F is limited, making
More informationF R E Q U E N T L Y A S K E D Q U E S T I O N S UnitedHealthcare Group Medicare Advantage PPO Plan
F R E Q U E N T L Y A S K E D Q U E S T I O N S UnitedHealthcare Group Medicare Advantage PPO Plan A. General Information About the UnitedHealthcare Group Medicare Advantage PPO Plan... 1 1. Why is Johnson
More informationCongratulations on opening a
Congratulations on opening a Health Savings Account! Let Let us help us help you you manage manage your your account account easily, easily, efficiently and and securely. 02/2013 01/2014 - CeB + Stacked
More informationGet Ready to Retire Transition to Retirement Guide. Keep this guide for your records
Get Ready to Retire 2017 Transition to Retirement Guide Keep this guide for your records INSIDE THIS GUIDE PREPARING TO RETIRE 3 IMPORTANT GUIDELINES 5 EVIDENCE OF CONTINUOUS HEALTH CARE COVERAGE 6 HEALTH
More informationWe Take Care of the Unknown 2017 OPEN ENROLLMENT
MMC HR We Take Care of the Unknown 2017 OPEN ENROLLMENT 2017 OPEN ENROLLMENT Table of Contents 2017 OPEN ENROLLMENT... 2 HELPFUL TIPS FOR OPEN ENROLLMENT... 3 401(k)... 4 The Traditional 401(k) plan...
More information2015 Retiree Benefits Open Enrollment Highlights NOVEMBER 5-19, 2014
2015 Retiree Benefits Open Enrollment Highlights NOVEMBER 5-19, 2014 Table of Contents About Open Enrollment 2015... 3 Summary of Changes for 2015... 3 New Prescription Drug Provider Beginning January
More information2018 Enrollment Guide
2018 Enrollment Guide Enroll in Additional Medicare Coverage for 2018 OneExchange is now Via Benefits! Please make a note of our new name and logo as you will be receiving information from Via Benefits
More informationPlease read annual enrollment. Important changes are coming to the BP Retiree Medical Plan. October 24 November 4
Please read Important changes are coming to the BP Retiree Medical Plan. 2017 annual enrollment October 24 November 4 What s inside? 2 3 5 7 9 10 11 13 What s changing Compare your new coverage How it
More informationAsuris Northwest Health Medicare Advantage PPO Plans. Decision Guide
2016 Northwest Health Medicare Advantage PPO Plans Decision Guide STEP-BY-STEP STEP 1 STEP 2 STEP 3 STEP 4 READ. Learn about all the programs and benefits you can enjoy as an Northwest Health member. This
More information2019 Enrollment Guide
2019 Enrollment Guide Enroll in Additional Medicare Coverage for 2019 Table of Contents 3 Introducing Via Benefits 4 What to Expect From Us 5 Your New Coverage: Getting Started 8 Three Steps to Enrollment
More informationList of Insurance Terms and Definitions for Uniform Translation
Term actuarial value Affordable Care Act allowed charge Definition The percentage of total average costs for covered benefits that a plan will cover. For example, if a plan has an actuarial value of 70%,
More informationDecision Guide Regence Medicare Advantage HMO Plan
2016 Decision Guide Regence Medicare Advantage HMO Plan Regence BlueShield serves select counties in the state of Washington and is an Independent Licensee of the Blue Cross and Blue Shield Association
More informationGetting 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
More informationAon Retiree Health Exchange What your retirees need to know
Aon Retiree Health Exchange What your retirees need to know Q. Why is OP&F changing our current health care coverage? A. Funding for the retiree health care plan at OP&F is limited, making the group health
More information2018 Benefit Open Enrollment
2018 Benefit Open Enrollment Opens: 8:30 a.m. Wednesday, November 8, 2017 Closes: 5:00 p.m. Monday, November 20, 2017 We hope that you find this booklet useful for your enrollment. Please feel free to
More informationBlueOptions. Making the Important Choices Easier. floridablue.com. Enrollment Guide For Group Employees
BlueOptions Enrollment Guide For Group Employees Making the Important Choices Easier. floridablue.com Health plan benefits Enrolling in your benefits When your employer offers Florida Blue benefits, we
More informationLife 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
More informationHealth plans for individuals and families
2015 Health Plan Information Health plans for individuals and families + Choosing the right plan for you + Subsidy eligibility information + Plan comparison charts + Terms and definitions + How to enroll
More informationConsidering 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
More informationAnnual Notice of Changes for 2018
Health Net Ruby Select (HMO) offered by Health Net of California, Inc. Annual Notice of Changes for 2018 You are currently enrolled as a member of Health Net Ruby Select. Next year, there will be some
More information3M Human Resources. Retiree Connections
3M Human Resources Retiree Connections for non-medicare eligible retirees and/or their non-medicare eligible dependent(s) currently enrolled in both the 3M Retiree Medical Choice Plan and 3M Retiree Dental
More informationAnnual Notice of Changes for 2019
Providence Medicare Dual Plus (HMO SNP) offered by Providence Health Assurance Annual Notice of Changes for 2019 You are currently enrolled as a member of Providence Medicare Dual Plus (HMO SNP). Next
More informationChoice 100+ Frequently Asked Questions Brokers and Producers
Choice 100+ Frequently Asked Questions Brokers and Producers 1 Choice 100+ Frequently Asked Questions Q: Who do members call for assistance for medical, pharmacy, dental, or vision? A: For questions about
More informationA Quick Start Guide to Your New Health Plan
A Quick Start Guide to Your New Health Plan You Are Here Verification Letter Approval Letter ID Card & Quick Start Guide SCAN Membership Begins Welcome Call/ TeleTalk SCAN Club Newsletter Get your plan
More informationUAW Retiree Medical Benefits Trust Annual Notice of Changes for 2017
Medicare Plus Blue SM Group PPO offered by Blue Cross Blue Shield of Michigan UAW Retiree Medical Benefits Trust Annual Notice of Changes for 2017 You are currently enrolled as a member of Medicare Plus
More informationGetting 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
More informationWelcome. to Medicare. An educational Medicare guide compliments of the Medicare Welcome Team. Y0041_H3156_AH_15_28071 Accepted (1/7/2015)
Welcome to Medicare An educational Medicare guide compliments of the Medicare Welcome Team Y0041_3156_A_15_28071 Accepted (1/7/2015) qualifies? WO You are almost ready to enroll in Medicare, and we would
More information2018 Connector Access Guide
2018 Connector Access Guide OneExchange is now Via Benefits! Please make a note of our new name and logo as you will be receiving information from Via Benefits for your Medicare coverage choices. 2 Contact
More informationThe value of your benefits
WINTER 2016 for Retired Members The value of your benefits This is the second of a three-part series of articles in which we compare your health benefits provided through the UFCW & Employers Benefit Trust
More informationYour Benefits Connected
Annual Enrollment 2013: November 7 through 21 Your Benefits Connected It s Time to Review Your Verizon Benefit Options BenefitsConnection www.verizon.com/benefitsconnection Annual Enrollment will begin
More information2017 Your. Connector Access Guide
2017 Your Connector Access Guide 2 Contact us via phone: 1-844-287-9945 Important! The deadline to enroll in new Medicare plans is CoverageEndDate. How to Contact Us Please take a moment to review this
More informationLet us help you choose the health insurance plan that fits you best
Let us help you choose the health insurance plan that fits you best Call 800-531-4456, visit bcbstx.com or contact an independent Blue Cross and Blue Shield of Texas agent to get a quote today. Life is
More informationGet the most from your health plan benefits
Get the most from your health plan benefits Dear Valued Member, Thank you for choosing a Florida Blue HMO Medicare Advantage plan for your health care needs. Your membership entitles you to a variety of
More informationWelcome To The City of Jacksonville s Flexible Benefits Plan
Welcome To The City of Jacksonville s Flexible Benefits Plan What Is A Flexible Benefits Plan? It s s a free benefit that allows you to pay your out-of of-pocket medical and/or work- related dependent
More informationYour choice. LIFE HAS OPTIONS. Your health. Your coverage. A guide to help you understand health insurance options and enrollment.
A nonprofit independent licensee of the Blue Cross Blue Shield Association LIFE HAS OPTIONS Your health. Your coverage. Your choice. A guide to help you understand health insurance options and enrollment.
More informationBenefit Choice Period: May 1 May 31, 2017
Benefit Choice Period: May 1 May 31, 2017 The Benefit Choice Period will be May 1 through May 31, 2017 for eligible members. Members are employees (full-time employees, part-time employees working 50%
More informationHealth Care Coverage You Need. A Company You Know.
Health Care Coverage You Need. A Company You Know. 2018 Call 800-477-2000, visit bcbsil.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,
More informationHealth Care Plans A14742W. Health Care Plans 2009 Edition
Health Care Plans Summary Plan Description 2009 Edition/Union-Represented Employees IBCJA 721; IBEW 2295; IBPATA 36; IBT 578 and 952; UAW 864, 887, 952, 1519, and 1558; SMWIA 461 The summary plan description
More informationHealth Care Law & You
Health Care Law & You How to get the most out of your health care dollars Table of Contents Introduction 1 Part I: The ABCs of Health Insurance 2 How Health Insurance Works Paying for Care Types of Health
More information2018 Evidence of Coverage
Los Angeles County 2018 Evidence of Coverage SCAN Classic (HMO) Y0057_SCAN_10174_2017F File & Use Accepted 08/17 18C-EOC300 January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits
More informationAllied Oilfield Machine & Pump, LLC
Allied Oilfield Machine & Pump, LLC Employee Benefits Guide Updated January 1, 2017 Allied Oilfield takes great pride in offering an excellent selection of benefits to all full-time employees. This guide
More information