IU Retiree Status Benefits INDIANA UNIVERSITY
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1 IU HUMAN RESOURCES IU Retiree Status Benefits INDIANA UNIVERSITY
2 IU RETIREE STATUS What is It?
3 INDIANA UNIVERSITY HUMAN RESOURCES 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 INDIANA UNIVERRSEITSOURCES HUMAN 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 prorated for ages that fall between the ages listed in the chart.
5 INDIANA UNIVERSITY HUMAN RESOURCES Key IU Retiree Benefits Medical (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 Initial eligibility requires that you: have IU Retiree Status, and be covered by an IU-sponsored medical plan as an employee or spouse of an IU employee at the time of separation. Eligible spouses and children (through age 25) are those covered on an IU medical plan at the time of separation. To continue to be eligible you must remain continuously covered on an IU-sponsored plan. rm INDIANA UNIVERSITY U HUMAN RESOURCES
8 INDIANA UNIVERSITY HUMAN RESOURCES IU Retiree Medical Plan Options Under Age 65: IU coverage through IU spouse COBRA (continue current IU medical plan) IU Retiree Anthem PPO HDHP Age 65+ (Medicare eligible): IU coverage through IU spouse IU Blue Retiree Plan
9 IU RETIREE STATUS Under Age 65 Options
10 INDIANA UNIVERSITY HUMAN RESOURCES Medical Premiums (2019) Retire (Under Age 65) COBRA (18 Months) COBRA Rates: hr.iu.edu/benefits/cobra.html Anthem PPO $500 Anthem PPO HDHP IU Health HDHP Under 65 (Anthem PPO HDHP) Anthem U65 PPO HDHP Rates: One Participant Participant & Child(ren) Retiree & Spouse Retiree & Family $ $ $ $1,073.51
11 Advantages 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 rm INDIANA UNIVERSITY U HUMAN RESOURCES
12 INDIANA UNIVERSITY HUMAN RESOURCES Dental Premiums (2019) Retire (Under Age 65) COBRA (18 Months) COBRA Rates: One Participant $ Participant & Child(ren) $ Retiree & Spouse $ Retiree & Family $128.78
13 IU RETIREE STATUS Age 65+ Options
14 Espanol I A!; A Q Print Medicare.gov The Official U.S. Government Site for Medicare Sign Up/ Change Plans Your Medicare Costs What Medicare Covers About Us I Glossary I CMS.gov I II MyMedicare.gov Login j type search term here I Search Open enrollment is here. Time to pick a plan. Find health & drug plans Compare coverage options $ Estimate Medicare» costs... Find out how much Medicare costs in 2019 New Medicare cards mailing now Address change/medicare card issue? [ Select your card issue... II Information for my situation [ Select your situation... II Find someone to talk to j Select your state... II T Find doctors, providers, hospitals, plans & suppliers Find doctors & other health professionals Find nursing homes N=ii+i News Don't rorgel to take care or your mental health Videos Medicare Open Enrollment is coming soon: Are you ready? Get help with costs ~ Find out how Medicare works \!I with other insurance 2019 Find hospitals r.) Mail vou aet about Medicare INDIANA UNIVERSITY HUMAN RESOURCES
15 INDIANA UNIVERSITY HUMAN RESOURCES Medicare Basics Original Medicare Part A Hospital insurance (no premium) Part B Professional/ outpatient insurance (doctors, physical therapy, home health, etc.) Prescription Part D Prescription Coverage Medicare Advantage Part C Private plans approved by Medicare; (includes Parts A, B, and most often D)
16 Medicare Basics Initial Enrollment Period = 7 month period around your 65 th 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 rm INDIANA UNIVERSITY U HUMAN RESOURCES
17 IU RETIREE STATUS Age 65+ Options Original Medicare + Supplement Plans
18 Age 65+ IU-Sponsored Option Retire (Age 65+) Original Medicare Part A, B, & D + Supplement 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) INDIANA UNIVERSITY HUMAN RESOURCES
19 INDIANA UNIVERSITY HUMAN RESOURCES Age 65+ IU-Sponsored Option Blue View Vision Service In-Network Provider Members Pays Out of Network Provider Member Pays Annual comprehensive eye exam and refraction $5 copay, no deductible Costs above a $42 allowance Eyeglass frames* (Once every 24 months) $130 allowance, then 20% off any remaining balance Costs above a $45 allowance Standard eyeglass lenses* (Once every 12 months) $20 copayment Costs above $40 $80 allowance (depends on type of lenses) Contact lenses* (Once every 24 months) Specific allowances and discounts for elective and non-elective contact lenses. Highest level of benefit in-network. Some enhancements are not covered out-ofnetwork. *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 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 INDIANA UNIVERSITY HUMAN RESOURCES
21 INDIANA UNIVERSITY HUMAN RESOURCES Silver Sneakers SilverSneakers" YOUR KEY TO A FULLER, HEALTHIER LIFE of participants say SilverSneakers has improved their quality of life.' of participants report that they have made new and valuable friendships through SilverSneakers.3 SilverSneakers is a program designed with you in mind. You have the opportunity to join a group of like-minded people focused on maintaining good health and independence. LET'S GIT STARTED 0 THE SILVERSNEAKERS EXPERIENCE SilverSneakers is much more than an exercise program - it's a way for you to ach ieve your best health in mind, body and spirit. A no-cost fitness benefit w ith access to 15,000+ fitness locations nationwide1 The ability to enroll at multiple locations at any time Guidance from dedicated fitness staff Online resourc es (SilverSneakers On-Demand workout videos, fi tness location d irectory, articles, and more) Signature SilverSneakers classes' designed for all fitness levels and led by trained instructors SilverSneakers FLEX classes' offered outside the traditional gym setting The SilverSneakers GO app w ith adjustable workouts, reminders and more Social connections through events such as shared meals, holiday celebrations, and class socia ls Q 1. Membership includes SilverSneakers instructor 4 1ed group fitness classes. Some locations offer members additional classes. Classes vary by location. 2. Pa rticipating locations ("Pli are not owned or operated by Tivity Health, Inc. or its affiliates. Use of PL fac ilities and amenities is limited to terms and conditions of PL basic membership. Facilities and amenities vary by PL. Enroll in as many locations as you like and take part in fitness classes, use gym amenities and participate in events in your community.' ' ~ START ~ HERE Go to SilverSneakers.com/ StartHere to get your SilverSneakers member ID and find fitness locations that are right for you. ~ TAKEA ~ TOUR Bring your member ID number w ith you on your first visit. SilverSneakers.com/StartHere ~ START YOUR \c1 ROUTINE You can st art slowly, but keep it steady to enjoy a healthier lifestyle. Questions? Call (TTY: 71 1) Monday through Friday, 8 a. m. to 8 p.m. ET ~ INDIANA UNIVERSITY SilverSneakers Annual Par ticipant Survey SilverSneakers SilverSneakers, the SilverSneakers shoe logotype and SilverSneake rs FLEX are registered trademarks of Tivity Health, Inc. SitverSneakers On Demand and SilverSnea kers GO are trademarks of Tivity Health, Inc Tivity Health, Inc. All rights reserved. <ANIU6859MBRFLY1018_T>
22 INDIANA UNIVERSITY HUMAN RESOURCES Blue Retiree Cost of Coverage Retiree pays the full cost of the premium. Premiums change annually (up or down), but not based on age Coverage Level One Participant $ $ Retiree and Spouse $ $ Calculate Total Cost Medicare Supplement Plan (IU Blue Retiree) + Medicare Part B Medicare Part D + - (~ $136 for most Rx Plan incomes) ($15 $90, avg. $30) Total Cost
23 INDIANA UNIVERSITY HUMAN RESOURCES Premiums Other Commercial Supplement Plans Pricing of plans: Issue-age-rated (premium based on age at time of enrollment) Attained-age-rated (premium increases with age each year) Community rated (premium not based on age) Introductory discount premium After your Special Enrollment Period, you can be denied coverage, have coverage delayed, or have the premium based on health factors.
24 IU RETIREE STATUS Age 65+ Options Non-IU Option: Medicare Advantage Plans
25 Medicare Advantage Retire (Age 65+) Medicare Advantage Plan (Part C) Medicare Part C = Alternative to Original Medicare (A & B) Lower premiums Higher out-of-pocket costs for services (co-pays for office visits, each day in the hospital, prescriptions, etc.) IU does not sponsor a Medicare Advantage plan, but Anthem and IU Health do sell these types of plans. INDIANA UNIVERSITY HUMAN RESOURCES
26 IU RETIREE STATUS Election/Premium Examples
27 Scenario #1 While Kate Employed at IU: Kate covers herself and spouse on employee medical plan. Her spouse, Mike, age 63, is a retired principal. After Kate s Retirement: When Kate turns 65 she retires from IU with official Retiree Status. Both elect IU Retiree coverage: Kate: IU Anthem Blue Retiree Plan for 65+ Mike: IU Anthem PPO HDHP for U65 When Mike turns 65 he can switch to the IU Blue Retiree plan the same plan as Kate. Kate Age 65 (IU Retiree) Mike Age 63 (Spouse)
28 Kate & Mike s Monthly Premiums 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 U65 Anthem HDHP $0.00 $ Total $ $ *Medicare B rates for 2019 **Medicare D plans vary in coverage and premium: $15 to $90 Total = $707/month
29 Scenario #2 While Both Employed at IU: Each covers self on employee medical plan. After Paul s Retirement: When Paul turns 66 he retires from IU with official Retiree Status. Janet continues working and enrolls Paul on her employee plan as a dependent (he delays Medicare). When Janet retires from IU at age 65, she and Paul each enroll in Medicare A, B, & D and the IU Blue Retiree plan. (Paul has IU Retiree Status and has been continuously covered by an IU plan.) Paul Age 66 (IU Retiree) Janet Age 62 (IU Employee)
30 Paul & Janet s Monthly Premiums Plan Kate s Premium Mike s Premium Medicare A $0.00 $0.00 Medicare B* $ $ Medicare D (Rx)** $30.00 $15.00 Blue Retiree $ $ Total $ $ Total = $687/month *Medicare B rates for 2019 **Medicare D plans vary in coverage and premium: $15 to $90
31 Scenario #3 While Both Employed at IU: Each cover self on employee medical plan. After Dave s Retirement: When Dave turns 66 he retires from IU with official Retiree Status. Wes continues working and enrolls Dave on his employee plan as a dependent (he delays Medicare). Wes later takes a job with Lilly. Both 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. Dave Age 66 (IU Retiree) Wes Age 60 (IU Employee)
32 IU RETIREE STATUS Tools & Resources
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35 Silver Sneakers GO Strength, flexibility and walking programs customized for beginners, intermediate and advanced users. Schedule workouts and activities, with helpful in-app reminders. Easy workout modifications; users can switch recommended exercises from easier to harder depending on preferences and ability. Provides animated GIFs and videos with step-by-step instructions on how to perform recommended exercises.
36 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. T: F: askhr@iu.edu
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