2018 Retiree Open Enrollment Benefits Briefing Presented to: - - PowerPoint PPT Presentation
2018 Retiree Open Enrollment Benefits Briefing Presented to: Retirees Liza Hahlbeck Benefits Counselor November 1, 2017 Lawrence Livermore National Laboratory LLNL-PRES-740779 This work was performed under the auspices of the U.S. Department
LLNL-PRES-740779
This work was performed under the auspices of the U.S. Department of Energy by Lawrence Livermore National Laboratory under contract DE-AC52-07NA27344. Lawrence Livermore National Security, LLCBenefits Counselor Lawrence Livermore National Laboratory
Liza Hahlbeck November 1, 2017 Presented to: Retirees
▪ Open Enrollment Dates ▪ Communications ▪ Who Handles Your Enrollment? ▪ What Actions Can You Take? ▪ Who is Eligible for Coverage? ▪ Review of LLNS benefits
▪ Administrative Notes ▪ Contacts
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Agenda
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Take away or callout
▪ October 16 – November 10 (through Empyrean)
▪ October 15 – December 7 (through OneExchange)
Kaiser
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Communications
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Who Handles Your Enrollment?
Dental Medical Legal Vision
Empyrean handles
1. Non-Medicare medical plans 2. Kaiser Senior Advantage
Additionally, Empyrean handles
‐ Dependent eligibility ‐ Address changes ‐ HRA eligibility
OneExchange handles
1. Individual Medicare plans 2. Kaiser Medicare plans outside CA
▪ Change to a different medical plan ▪ Change to a different dental plan (California only) ▪ Suspend your coverage (opt out) ▪ Enroll in a plan if you had previously suspended coverage ▪ Enroll or cancel eligible family members ▪ Enroll or add dependents in ARAG Legal
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What Actions Can You Take?
If no changes are made during Open Enrollment, you will remain in the same plan.
▪ Yourself ▪ Dependents:
and legal wards to age 18
adding a new dependent
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Dental, Vision & Legal Plan Overview
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Take away or callout
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Dental Plans
▪ Delta Dental PPO
▪ DeltaCare USA
– Must use DeltaCare USA dentists only (except in emergencies)
Difference in Networks:
allows you to see any licensed dentist
limits access to network dentists
▪ All retirees and dependents are eligible and automatically enrolled ▪ Discount program if using VSP providers ▪ To locate VSP providers
VSP Access Plan Discounts Well Vision Exam 20% off through VSP’s national network of doctors Glasses 20% off complete pair of prescriptions glasses 20% off lens options (e.g. coatings) 20% off prescription sunglasses Contact Lenses 15% off contact lens services, excluding materials Laser VisionCare Program VSP contracted laser centers provide discounts averaging 15% off laser surgery
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Vision Plan
▪ Open to new enrollments in 2018 ▪ Contact Empyrean to enroll
premium
▪ Preventative, domestic, consumer and defensive legal services ▪ Telephone and in person access; online resources ▪ New for 2018
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Legal Plan
Non-Medicare Medical Plan Overview
Performance Measures x.x, x.x, and x.x
▪ Kaiser Permanente ▪ Anthem Blue Cross Plans:
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Non-Medicare Medical Plans
Rates provided by Empyrean
Changes for 2018 ▪ Kaiser Permanente
‐ Copay changes:
– Increasing specialist office visit copay from $25 to $35 – Outpatient Surgery increasing from $100 to $150 per procedure – Generic prescription drug copay increasing from $10 to $15
▪ Anthem Blue Cross Plans:
‐ No changes
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Non-Medicare Medical Plans (cont.)
Rates provided by Empyrean; coverage changes through Empyrean
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Comparing Non-Medicare Medical Plans
Refer to page 20
Open Enrollment Guide to compare Non-Medicare plans
Medicare
▪ You can be eligible for Medicare as follows:
benefits
▪ Contact Empyrean at 1-844-750-5567
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▪ If Turning age 65
(SSA) to find out.
– If you are currently receiving Social Security check, you will be
automatically enrolled in Part A & B and will be sent an ID card
– If you are not eligible for Medicare, SSA will provide you with a letter that
you will need to Empyrean as proof
▪ If Due to Disability
become eligible for SSDI benefits.
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Becoming Medicare-eligible (cont.)
▪ If Turning age 65
you from Empyrean
– Option 1: Enroll in Kaiser Senior Advantage through Empyrean – Option 2: Enroll in other individual Medicare supplement plans through
OneExchange
– Option 3: Not eligible for Medicare, stay on Non-Medicare plan – Option 4: Suspend LLNS coverage and enroll through spouse’s plan
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Becoming Medicare-eligible (cont.)
Contact Empyrean at (844) 750-5567 to confirm your selection and finalize the event
▪ Non-Medicare dependents will continue in same plan
▪ If enrolled in Kaiser, members will receive a termination of coverage letter
the retiree as the primary member
member account (usually the spouse or eldest child)
▪ If enrolled in an Anthem Blue Cross plan, primary member will change to spouse or eldest child
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Coverage for Non-Medicare Dependents
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Medicare Coverage Options
Dental Medical Legal Vision
Empyrean handles
1. Non-Medicare medical plans 2. Kaiser Senior Advantage
OneExchange handles
1. Individual Medicare plans 2. Kaiser Medicare plans outside CA
▪ Kaiser Permanente Senior Advantage (KPSA)
‐ Election made through Empyrean (for California only) ‐ Group plan ‐ Cost is $218.50 per Medicare eligible person
–
Annual cost is $2,622
–
$172 annual out-of-pocket expense if receiving 100% LLNS contribution to HRA
‐ New enrollees will need to complete a KPSA group enrollment form ‐ Form must be completed and submitted to Kaiser by December 31st for January 1, 2018 effective date
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Coverage Options
▪ Kaiser Medicare for those outside California
‐ KPSA outside of California
– Available in parts of Colorado, Georgia, Hawaii, Oregon and
Washington
– Call Kaiser or log on to www.kp.org/Medicare – Complete and submit the enrollment form to Kaiser – Send confirmation of your enrollment to OneExchange – OneExchange will set up your HRA
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Coverage Options (cont.)
▪ All other coverages contact OneExchange
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Coverage Options (cont.)
▪ Zip Code 94550 ▪ Zip Code 95376
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Coverage Options (cont.)
▪ Must be enrolled in a Medicare plan through OneExchange
Empyrean) ▪ HRA maximum amount is $2,450 per Medicare-eligible participant for 2018 ▪ Tax-free employer funded account ▪ Any unused amount rolls over to the next year
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Health Reimbursement Arrangement (HRA)
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▪ The HRA monies can be used to reimburse you for eligible health care expenses on a tax-free basis
– Medicare supplement insurance premiums – Prescription drug plan premiums – Deductibles and co-pays – Medicare Part B premiums
▪ This special payment is taxable income ▪ Kaiser does not have a Medicare Prescription Drug Plan Gap
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▪ LLNS provides a separate fund for Prescription Drug gap
‐ To be eligible for the “Donut Hole” special payment you must been enrolled in a medical plan through OneExchange ‐ Each Medicare eligible participant is eligible for this payment ‐ The gap covers drug costs from $3,750 to $5,000 – Maximum lump sum payment is $2,500 (50% of the $5,000), prorated based upon month in which donut hole gap is reached
▪ Payment is taxable; you will receive a 1099-R
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Medicare Prescription Drug “Coverage Gap”
Does not apply to Kaiser Permanente Senior Advantage
▪ Billing by Empyrean
‐ Billed on the 15th of the month for the following month ‐ Invoice mailed to address on record ‐ Amount due by 1st of following month; grace period is end of the following month ‐ If terminated due to non-payment, all benefits are terminated; cannot re-enroll ‐ Sign up for Direct Debit (Recommended)
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Billing
▪ Automatic Payments from HRA to Empyrean ‐ Authorization for 2018 must be given to continue automatic payments
–
Current 2017 authorization end
‐ Two ways to provide authorization
1.
Kaiser will attempt outbound calls from November to December; give authorization to representative
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Kaiser HRA
Kaiser HRA Payment Center 1-877-761-3399
▪ Who to contact when you change your address:
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Address Change
▪ If you make a change …
–
Empyrean
–
OneExchange
▪ Review it and confirm the information is correct
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Confirmation Statement
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Organization Phone Number Website Empyrean (844) 750-5567 www.llnsretireebenefits.com OneExchange (866) 682-4841 https://medicare.oneexchange.com/llns Kaiser HRA Payment Center (877) 761-3399 www.kp.org/healthpayment LLNS Benefits Office (925) 422-9955 https://benefits.llnl.gov/
▪ While this presentation and the oral statements of Plan representatives
are meant to be accurate, the actual Plan documents and relevant laws will govern at all times.
▪ In response to legal and contract requirements, market changes, etc.,
LLNS reserves the right to amend or terminate benefits at any time.
▪ This material has been prepared for informational purposes only. It is
not intended to provide, and should not be relied upon for accounting, legal, investment, or tax advice. Contact your accountant, attorney, and
▪ Content of this presentation is valid as of date of presentation to expire
December 31, 2018.
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Liza Hahlbeck, GBA