Experience Choice OneExchange Newsletter for Medicare-eligible Retirees Enrollment Issue

Transcription

1 Experience Choice OneExchange Newsletter for Medicare-eligible Retirees Enrollment Issue About This Newsletter You re receiving this semi-annual newsletter because our records show that you ve enrolled in a medical plan to supplement the coverage you receive from Medicare, using the services of OneExchange. This issue of Experience Choice is focused primarily on enrollment for There is also news on Medicare Part D Prescription Drug coverage, including formulary updates and donut hole discounts. On the process side of things, we take a closer look at filing claims, including what documentation you need and how to submit the various forms, HRAs and how to ensure you get your subsidy, and whom to call when you have a question or need to make a change (HINT: you should always call OneExchange first). Finally, we recognize that a lot of the resources we reference in this newsletter are online resources, and not all our retirees have regular access to the Internet. If you are not able to access any of the online tools we provide, please do not hesitate to call OneExchange any time of year for expert assistance over the phone. Happy Reading! Visit us online at: Medicare.OneExchange.com Medicare has neither reviewed, nor endorsed, this information.

2 In This Issue What You Need to Know (and Do) to Have Coverage in 2017 Enrollment Calendar Open Enrollment Periods When to Call OneExchange During Open Enrollment Online Tools & Resources HRA Refresher Tips for Filing Claims Successfully Medicare Part D News Donut Hole Discounts in 2017 Formulary Changes That Could Impact Your Medicare Part D Plan Traveling with Medicare Part D Other Useful Information What You Need To Know (and do) To Have Coverage in 2017 If you are satisfied with your current coverage and want to continue your plan(s) for 2017, you do not need to re-enroll your coverage will automatically renew. If you want or need to make changes to your coverage, make an appointment with OneExchange, either online at Medicare.OneExchange.com/IBM or by calling us at An appointment ensures a licensed benefit advisor will be available, although you may still experience a short wait if he or she is finishing another call. In early October, OneExchange will receive plan information from insurers and post this information on our website for you to review and evaluate alternative plans. If you don t have Internet access, you can obtain updated insurer information by calling OneExchange and discussing your options with a benefit advisor. Be sure to note any plans that interest you, so you can discuss them with your licensed benefit advisor during your appointment. 2

3 Enrollment Calendar Medicare Advantage Enrollment Period October 15 December 7, 2016 If you are covered under a Medicare Advantage medical plan and/or have prescription drug coverage through OneExchange, you have the option to make changes for 2017 by calling OneExchange and speaking with a benefits advisor anytime between October 15 and December 7, You can: Switch from Original Medicare Go from a Medicare Supplement (Medigap) policy to a Medicare Advantage plan Change your Medicare Advantage or Part D Prescription Drug plans Add or drop prescription drug coverage You have choices, so mark your calendar today with the enrollment deadline. Any changes you make will take effect January 1, If you re satisfied with your current coverage, no action is required. Your coverage will automatically continue in Medicare Supplement (Medigap) Enrollment Period There s no special enrollment period for Medicare Supplement Insurance (Medigap) plans. You can apply for coverage at any time by calling OneExchange. However, enrolling in Medigap can be difficult since most states only offer guaranteed issue the first time you are eligible to enroll in Medicare. If you d like to switch to a Medicare Supplement (Medigap) policy after your initial opportunity to enroll in Medicare, the insurance provider may require you to undergo medical underwriting (such as a physical exam, a review of your medical history or similar). The insurance provider may turn down your request for coverage based on your health status. Keep in mind, OneExchange will work with you to answer questions regarding any preexisting conditions during the application process, but we can t guarantee that the insurer will approve your application. Got Questions? We realize that there may be a number of questions that will arise as you read this newsletter. And since we can t cover them all here, we want to point you to some resources you already have. 1. Claims Kit: This was provided to you when you first enrolled for coverage through OneExchange and contains information on forms, processes, rules, etc. Contact OneExchange if you require a new copy. 2. Frequently Asked Questions: We produced this document of 50 or so questions when we launched OneExchange back in We are now updating it and will be posting it on the OneExchange site. Call OneExchange if you prefer to have a copy mailed to you. 3. OneExchange benefit advisors are there for you throughout the year to answer questions, help you with your paperwork and help ensure you are in the right plan(s) for you. You can reach us at from 8:00 a.m. to 9:00 p.m. Eastern, Monday through Friday. 3

4 Remember: If you re satisfied with your current plan(s) and don t want or need to make any changes to your coverage for 2017, no action is required. Your plan(s), as well as your automatic reimbursement arrangements, will continue into 2017, and you don t have to worry about contacting OneExchange during the busy Medicare enrollment period (October 15 December 7, 2016). If, however, you are using a recurring claim form for Medicare Part B or Kaiser premiums, this is an annual form, and you must complete and re-submit it with the appropriate documentation annually. Recurring claim forms for Medicare Part B premiums are sent in November, and forms for other plans or carriers who do not support automatic reimbursement are generally sent in February. If you do not receive the claim form you need in November or February, please contact OneExchange. When To Call OneExchange During Open Enrollment If you think you might want to make changes to your coverage for the coming year, you are encouraged to make an appointment with a OneExchange benefits advisor to help you evaluate your options. You can make an appointment online at Medicare. OneExchange.com/IBM or by calling us at Making an appointment in advance reduces the chance that you will experience a long wait time during the Medicare enrollment period, which is OneExchange s busiest time of year. You may also need to call OneExchange during enrollment if Your health status has changed: If your health has significantly changed from the last time you chose coverage, you may wish to explore different plans based on your current health status. You may wish to ask a benefits advisor about plans that can provide the coverage you need while reducing your out-of-pocket costs. Your plan has significantly increased premiums: At the end of September, your prescription drug or Medicare Advantage insurance provider will send you an Annual Notice of Change letter informing you of any changes to your plan s premium. Although premiums usually increase each year, if your plan premiums become too costly or you want to see if there are lower cost alternatives, call OneExchange Your medications cost more: If your out-of-pocket costs have increased for your current medications or you started taking an expensive prescription drug during the last year, you may want to review other plans to see if you can find one that covers more of your costs. In the Annual Notice of Change letter that will be sent to you in late September, your prescription drug insurance provider will inform you of any changes to copays or drugs covered by your plan be sure to read the notice to know if you ll be affected. 4

5 You ve moved: If you ve moved during the year to a new state or have a new ZIP code and haven t changed your plan, Open Enrollment is your opportunity to evaluate new plans. Costs vary by location across the United States, and you could end up paying less at your new address than you do today even for the same plan. Your plan has been canceled: Your insurance provider will notify you if your plan is being canceled. It is your responsibility to notify OneExchange of this cancellation. A benefit advisor at OneExchange can help you to evaluate your options and find alternative coverage. Your primary care physician is no longer included in your plan s network: Your insurance provider will notify you if there are any changes to your plan s network of doctors and other health care providers. If your primary care physician is no longer in your plan s network, you may wish to consider other plans that include your doctor in their network. Please contact a OneExchange benefit advisor to assist you with the plans that have your doctors in them. If you begin taking a new prescription drug, or change your existing prescriptions, you can enter this information online using OneExchange s Prescription Profiler (see page 6). And, you ll be able to review prescription drug plan options online, too, to see if there are plans that provide better coverage for your new prescriptions. IMPORTANT! Be sure to contact OneExchange to report an address change and enroll in new plan(s) (if applicable). You will continue to receive IBM s HRA subsidy only if you enroll in a medical plan through OneExchange. 5

6 Online Tools & Resources The OneExchange website, located at Medicare. OneExchange.com/IBM, offers many tools to help you during Open Enrollment and throughout the year. You can get answers to frequently asked questions, learn about the different types of Medicare plans, search the plans available to you, and evaluate which plans may be best for you based on certain criteria. Don t worry if you re unfamiliar with our website. Our online tools are easy to use: Shop & Compare: This tool allows you to search for plans available in your area and sort them by price, plan type, insurance company, and other factors. You can compare plans side-by-side and review the details of plans that interest you. To use, click on the Shop & Compare tab after logging into your OneExchange account in early October. Help Me Choose: Help Me Choose simplifies the search process by listing plans that fit your needs based on your answers to a few questions. To use, click any Help Me Choose link after logging into your OneExchange account. Prescription Profiler: This tool provides the estimated annual out-of-pocket cost of plans that cover your prescription drugs. You can then easily compare plans to see which are the most cost-effective for you. To use, enter your current medication information into your personal profile after you log into your OneExchange account. Then click any Prescription Profiler link. Help pages: Helpful information including searchable Frequently Asked Questions (FAQs) is available. To use, simply click the Help tab. Please be advised when using the OneExchange website, AARP Medigap and UnitedHealthcare Medigap plan information is not provided to OneExchange for use on their site. To find out about these plans, you must call OneExchange directly. In addition, while Medicare Advantage plans update their rates in October each year, Medigap plan rates can be updated at any time. With that said, OneExchange updates Medicare Advantage rates every October, and Medigap rates as soon as administratively feasible when they are received from the carriers. Don t Have A OneExchange Account? You can easily create one by clicking the My Account link on our website, Medicare.OneExchange.com/IBM. To find plans that meet your needs, we recommend updating your personal profile, which contains information about you, your prescription drugs and the doctors you see. Be sure that your name and address are correct, so you can receive important information and mailings from OneExchange. 6

7 HRA Refresher One of the benefits you may receive as a retiree of IBM is the subsidy IBM provides if you enroll in a plan through OneExchange. This subsidy comes in the form of your own individual Health Reimbursement Arrangement (HRA). You can use the funds in your HRA to help pay health care premiums and other qualified out-of-pocket health care expenses. Your IBM HRA funds can be used to pay for all IRS Code Section 213(d) expenses. The 213(d) list is quite extensive. If you have questions regarding whether or not an expense qualifies, contact OneExchange. IBM s HRA subsidy is applied to your account as of January 1 each year for you to use for the entire year. Any mounts remaining at year-end cannot role over into the following year. Those are the basics. Here are other points about your HRA to keep in mind: Your HRA is managed through OneExchange. You must enroll in a medical and/or prescription drug plan through OneExchange to qualify for an HRA, and you must remain enrolled in coverage through OneExchange to continue receiving your annual subsidy from IBM. This is why it is very important that OneExchange always be your first point of contact when you are thinking about making changes to your coverage (e.g., moving and changing your address). If you contact and enroll with an insurance provider directly or through a broker, OneExchange will no longer be the agent of record on your file. Without that agent of record, you will stop receiving your HRA subsidy from IBM, and claims for reimbursement from your HRA will be denied. Consider Automatic Reimbursement. Did you know you can receive reimbursement for premium payments automatically from your HRA? Doing so will ultimately cut the time it takes to receive reimbursement from your HRA by about one week (though initial set-up can take 2-3 billing cycles to establish). Sign up online, or call OneExchange for more information. Important note: If you have more than one HRA account through OneExchange (because you have worked for, and have an HRA from, more than one company on the OneExchange platform), your automatic reimbursements will be taken from your newest account. There is no option to transfer your automatic reimbursements to an older account. If you would prefer your premium reimbursements come from an older account, you will need to submit these claims manually. This also applies to couples who have both an HRA and FHA. Automatic reimbursement will come from the most recently created account. If that account is your FHA and you would prefer your reimbursements come first from your HRA, you will need to submit these claims manually. 7

8 If you and your spouse are both IBM retirees, and you are each entitled to an HRA subsidy from IBM, your HRAs will initially be combined in a joint account. If you prefer that your HRA accounts be separated, contact OneExchange within six months of the creation of the joint account to begin the process. Please note that separating accounts is not an immediate process and can take as long as thirty days to complete. Tips for Filing Claims Successfully Your HRA subsidy is only helpful if you are able to successfully submit claims for reimbursement. And if you don t use auto-reimbursement submitting claims is exactly what you need to do. Take a few moments to read the following reminders to ensure your next claims submission is processed smoothly. NEW FOR 2017: OneExchange has extended the deadline to submit prior year s claims. OneExchange needs to receive all of the prior year s claims by December 31st of the following year. We all get busy, and submitting health care claims is not always top of mind. That s ok. You don t necessarily need to submit your claims right away to be eligible for reimbursement. As long as OneExchange receives claims for the prior year s services by December 31st of the following year, those claims will be eligible for reimbursement. If your claims arrive after the December 31st deadline, reimbursement of those claims will be denied. Please Note: This change applies to claims for expenses incurred in 2017 and going forward. Claims for expenses incurred in 2016 must be received by OneExchange by June 30, 2017, in order to be eligible for reimbursement. Submitting all the right information is critical. For a claim to be successfully processed, there are certain pieces of information that are needed, including proof that you received or paid for a service. Explanation of Benefits (EOB) statements are sent to you by your insurance provider once they have paid their portion of a service provider s fees. These statements contain information about the services provided, the negotiated cost of these services between the insurance company and your provider, and the benefits paid for those services by your plan. You can often opt to receive your EOB electronically or via the US Postal Service. Either way, if you have not received your EOB within 30 days of your date of service, contact your insurance carrier to request it. If you submit a claim without including the EOB or other itemized statement (including your name, your provider s name, date of service, description of service and final patient portion of the payment) from your insurer, your claim will be denied until this information is submitted. Claims must be submitted in English and in US dollars. Regardless of the process you have followed in the past, all HRA claims, including any documentation (e.g., prescriptions, medical services provided), must be submitted in English, with amounts paid for services shown in US dollars. This may require you to translate an EOB and include the original and the translated copy with your claim form. Forms submitted in a language other than English or in non-u.s. currency will be denied. 8

9 Submit Part B claims to IBM s SHAP before OneExchange. If you qualify for IBM s Special Health Assistance Provision (SHAP), you can seek reimbursement from IBM for your Medicare Part B premium. Please note that SHAP is different from OneExchange. If you qualify for SHAP, you must apply for reimbursement of your Medicare Part B premium from SHAP first. IBM will reimburse you for 80% of your premium cost, up to $900 per year. You can then apply to OneExchange for reimbursement of the remainder of your Part B premium from your HRA. You do this by submitting the recurring claim form for the unreimbursed amount along with your Part B substantiation paperwork. NEW You have up to 12 months to submit claims when a covered individual dies. When a loved one passes, you have many things on your mind. Submitting claims for their medical expenses is unlikely to be top of mind. To give you time to get the deceased individual s affairs in order, you now have up to 12 months following his or her death to submit claims for reimbursement from the individual s HRA. OneExchange does not require a death certificate to process these claims. Please note that if you have a joint lump sum HRA/FHA with the deceased, you may continue to use any of the funds from this account beyond the 12 months for your own personal expenses. Paperwork is important. Having the right information in the right format is essential to having your HRA claims paid promptly. Make sure you re using an up-to-date claim form when you apply for reimbursement. If you do not have a current claim form, contact OneExchange, and we will provide one for you. Also, please note that if you have more than one HRA account through OneExchange, you need to indicate at the top of your claim form from which account you want your reimbursement to come. There is no field for this information on the form itself, but it must be visible on the top of the form. If you do not submit your claim form and related documents in good order, your claim will be denied. If you submit paperwork in good order but neglect to specify which account to reimburse from, your reimbursement may come from either one. 9

10 Medicare Part D News Donut Hole Discounts in 2017 If you have a Medicare Part D Prescription Drug plan, you ve likely heard of the donut hole or coverage gap in prescription drug coverage. Medicare describes it as a temporary limit on what the drug plan will cover for drugs. It begins after you and your drug plan have spent a certain amount for covered drugs. After reaching that amount, you have to pay all out-of-pocket costs for your prescriptions up to a yearly limit. Once you reach your out-of-pocket yearly limit, your plan begins to pay its share of costs again. Although not everyone will have expenses that reach the donut hole, those who do, often find it difficult to afford their medications. Under the Affordable Care Act (ACA), individuals covered under Part D Prescription Drug plans get discounts to help pay for drugs while in the coverage gap. Drug discounts for Medicare recipients who reach the donut hole have reduced retiree prescription drug costs by more than $20 billion since 2010, an average of $1,945 per person. The donut hole will disappear in

11 What you need to know for 2017 Once you and your plan have spent a total of $3,700 on covered drugs, you will reach the coverage gap. While you are in the coverage gap, you will pay no more than 40% of the total cost for any brand-name drugs and no more than 51% of the total cost for any generic drugs until you reach your out-of-pocket limit. Once you spend $4,950 in total prescription drug costs for the year (including costs before and during the coverage gap), the plan will again start paying benefits. You will pay a $3.30 copay for generic drugs and an $8.25 copay or 5% of the cost of brand name drugs (whichever is greater). If your prescription drug costs exceed a catastrophic level in a given year, you may qualify for additional benefits from IBM. Contact OneExchange and request a Catastrophic Reimbursement Kit. Did You Know? Your Medicare Part D insurance provider tracks your drug spending and sends you a monthly Explanation of Benefits (EOB), so you know when you re approaching or exiting the donut hole phase of your prescription drug plan. Formulary Changes That Could Impact Your Prescription Drug Coverage Medicare Part D has hundreds of prescription drugs in its database. New additions include both brandname and generic drugs, and many include multiple strengths and delivery forms. Most Medicare prescription drug plans are affected in some way when new drugs are added to the Medicare database; your prescription drug plan may include these new drugs in their formulary, remove existing drugs from their formulary or change the cost of drugs. You can see if there are changes to your prescription drug coverage for 2017 by going to the OneExchange website and using the Prescription Profiler starting in early October (when we receive formulary information from prescription drug insurance providers). If you do not have access to, or regularly use, the Internet, please call OneExchange for expert assistance over the phone. By using the Prescription Profiler, you ll see a breakdown of your drug costs for 2017 under different plans available to you and be able to determine the most cost-effective option to meet your needs. 11

12 Traveling with Medicare Part D Before traveling, there are a few things you should know about Medicare Part D Prescription Drug coverage and how it works while you are away from home. If you are traveling in the United States, you can use your Medicare Part D prescription drug plan at any of the 50,000 or more network pharmacies across the country. We recommend having enough of your prescriptions to cover the dates you are away from home, but if you need to refill a prescription, you can do so by locating the nearest network pharmacy. You can either search for pharmacies by contacting your plan s Member Services for help (see the toll-free number on the back of your member ID card). If there is not a network pharmacy near to where you are, you can fill your prescription through a non-network pharmacy, paying full price, and later submit your receipts to your Part D plan (call your carrier before submitting receipts to ensure you are following the proper procedures). Medicare may not reimburse you for the total cost if the purchase price exceeds the plan s negotiated retail price. Contact your Part D plan Member Service Department for more information. 12 If you re traveling outside of the United States, you most likely will not have coverage for prescription drugs unless you ve enrolled in a plan that provides emergency coverage during travel outside the U.S. If you don t have a plan with this international travel coverage and purchase prescription drugs while outside of the United States, your Medicare Part D plan may not reimburse you for those costs. You can speak with a OneExchange benefits advisor to see if plans with emergency travel coverage are available to you. We also recommend refilling your prescriptions before traveling outside the country to ensure you have enough medication while you are away. Did You Know? OneExchange gets the most calls during Medicare s Open Enrollment period. But did you know we are available to help you year round? We can answer questions about your coverage, set up an online account and reset your password. And we can help you understand your explanation of benefits, copays, coinsurance, and more. We look forward to assisting you.

13 Other Useful Information Make OneExchange Your First Stop for Questions and Help Whether your question is about eligibility, claims, HRAs, coverage, or to process transactions like changing your name or address your first stop for all the information you need about your coverage should be OneExchange. You can reach us at , 8:00 a.m. to 9:00 p.m. Eastern, Monday through Friday. Submitting Medicare Premium Claims is a Bumpy Process. We Know. We are aware that there have been problems getting HRA reimbursement of your plan premiums in January when the documentation you receive from your carrier with rates for the upcoming plan year is sent, and thus dated, in the previous year. These problems occur when the documentation that is dated in the previous year and does not clearly specify that the rates quoted are for the current plan year. For example, if the documentation from your carrier stating your plan premiums for 2017 is provided to you in 2016 and does not clearly specify that the rates are for 2017, the claim will be denied. This is a problem we are working on fixing. For now, until this issue is resolved for good, there are a couple things you can do to help ensure your claim is approved. Before you submit your claim, be sure that if your documentation was provided by your carrier in the prior plan year, that it clearly specifies that the rates quoted are for the current year. If it does not, contact your carrier to get revised documentation that would substantiate the claim. If your claim is for Medicare Part B premiums taken from your Social Security check, you can also contract the Social Security Administration (SSA) to get an Award Letter that will document your current year payments. Whether the documentation comes from your provider or SSA, it must contain the following information: Covered individual s name Premium Type Date(s) of service Monthly premium amount Name of carrier Once you have documentation that clearly states the rates for the current plan year, even if that documentation was issued in the previous plan year, your claim will be approved. If you do receive notice of the denial, however, please call OneExchange and ask to speak to a member of the funding department in order to resolve the issue. 13

14 Medicare Fraud is on the Rise This year, we ve seen some of the largest Medicare fraud busts in history. Over the summer, law enforcement officials broke a $1 billion Medicare fraud scam involving 30 nursing homes in Florida and also charged 243 individuals for approximately $712 million in false billing. These cases are just a few of the rampant fraud schemes that cost tax payers hundreds of billions of dollars each year. It s estimated that the cost of Medicare fraud and abuse ranges annually from 3% to 10% of total health care spending, or $93 to $310 billion. Anti-fraud efforts have significantly improved since the establishment of the Medicare Fraud Task Force under the Affordable Care Act (ACA). Since 2007, the force has been involved in cases that were worth $10 billion in fraud. Medicare fraud scams can target any Medicare recipient. A common scheme offers Medicare recipients something that doesn t cost them anything because their insurance will pay for it. But there are other scams that you should be aware of, including these examples from the Department of Health and Human Services: A healthcare provider bills Medicare for services you never received A supplier bills Medicare for equipment you never got Someone uses your Medicare ID card to get medical care, supplies or equipment A company offers a Medicare drug plan that has not been approved by Medicare A company uses false information to mislead you into enrolling in a medical plan not approved by Medicare?. Medicare fraud hurts us all. But you can help! If there are items listed in your EOP/EOB statements that you don t recall receiving, you may wish to contact the provider to see if the charges are correct. If you learn that there is a charge for services or items that you did not receive, or you did not even see the provider listed on the statement, you should call MEDICARE or report it to the Office of the Inspector General by contacting (TTY users should call ) or by going to 14

15 Important Reminders Enrollment OneExchange will post 2017 plan information on its website in early October. Go to Medicare.OneExchange.com/IBM at that time to compare plan options and costs. If you do not have access to, or regularly use, the Internet, contact OneExchange for expert assistance over the phone. UnitedHealthcare and AARP do not make plan information available on the OneExchange website. If you are interested in rates or plan information for either of these carriers, contact OneExchange. The Medicare Open Enrollment period for 2017 runs from October 15 through December 7, 2016 If you want to keep your current plan(s), there is no need to call OneExchange or take any action. Your coverage will automatically continue into In the event your plan is discontinued or your premiums increase for 2017, you will be notified by your insurance provider Please note: It is your responsibility to notify OneExchange during the enrollment period that your plan is discontinued. You will then be able to to explore or elect a new plan to ensure that OneExchange remains agent of record and you have access to your HRA account for reimbursement. If you think you want or need to make changes to your coverage for 2017, schedule an appointment with a OneExchange benefits advisor. To do so, go online to Medicare.OneExchange.com/IBM, or call starting immediately. Annual enrollment is an extremely busy season for OneExchange, and we recognize that last year wait times were sometimes long. This year, we have increased our staff, but please bear in mind that Mondays and the day after Thanksgiving are our busiest days. Plan accordingly to avoid a prolonged wait. When your call is transferred within OneExchange, you will be required to repeat your personal information to the new representative to secure the call. We recognize this may seem like a hassle, but rest assured that all your information HAS been transferred to the new representative; they are just legally required to re-verify your personal information for your own security. HRA If eligible to receive an HRA subsidy from IBM, you must maintain coverage under a medical plan obtained through OneExchange If you move, you must call OneExchange first (not your insurance provider) to maintain your HRA and determine if you need to enroll in a new plan. If you are eligible for IBM s SHAP, apply for reimbursement of your Medicare Part B premium first to SHAP then to OneExchange The HRA claim filing deadline for your prior year s eligible expense claims is being extended beginning in For expenses incurred in 2017 and beyond, the claims submission deadline will be December 31st of the following year. For expenses incurred in 2016, however, the claims submission deadline is June 30, HRA claims won t be paid if submitted without an EOB and other required documentation ; ; HRA claims and all associated documentation including EOPs/EOBs must be submitted in English and must show costs in U.S. dollars 15

16 Information Center 2305 South 1070 West Salt Lake City, UT Electronic Service Requested PRST FIRST CLASS U.S. POSTAGE PAID SALT LAKE CITY, UT PERMIT # SP **********************SNGLP T1 P1 <First Name> <Last Name> <Address Line 1> <Address Line 2> <City>, <State> <ZIP CODE> Important Medicare News Inside! OneExchange newsletter for Medicare-eligible retirees: ENROLLMENT ISSUE Helpful Internet Links You ll find useful information online by visiting these links. Contact OneExchange Medicare.OneExchange.com/IBM Learn about Medicare Medicare.gov Search for Medicare insurance options Medicare.OneExchange.com/search 16