2020 Retiree Open Enrollment Benefits Briefing October 30, 2019 - - PowerPoint PPT Presentation
2020 Retiree Open Enrollment Benefits Briefing October 30, 2019 Liza Hahlbeck Lawrence Livermore National Laboratory LLNL-PRES-795489 This work was performed under the auspices of the U.S. Department of Energy by Lawrence Livermore National
LLNL-PRES-795489
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, LLCLiza Hahlbeck Lawrence Livermore National Laboratory
October 30, 2019
▪ Open Enrollment Dates ▪ Communications ▪ What’s New? ▪ What Actions Can You Take? ▪ Who is Eligible for Coverage? ▪ Review of LLNS benefits ▪ Who Handles Your Enrollment? ▪ Administrative Notes ▪ Contacts
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Open Enrollment Dates
Take away or callout
▪ October 15 – December 7 (through Via Benefits)
Kaiser
plans
▪ October 21 – November 15 (through Empyrean)
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Communications
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A new Non-Medicare medical plan is being added for 2020. For those of you who are non- Medicare eligible, we will be
High-Deductible Health Plan (HDHP). This plan has a $1500 deductible for an individual, $3000 for family (2 or more) and then pays 90%. Like the Anthem Blue Cross Core Value Plan, it is HSA-eligible.
This Photo by Unknown Author is licensed under CC BY-NC-ND
▪ 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 plans.
▪ Yourself ▪ Dependents:
Domestic Partner
adopted children, foster children to age 26 and legal wards to age 18
be requested when first retired or when adding a new dependent
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Take away or callout
▪ Dental ▪ Vision ▪ Legal ▪ Non-Medicare Medical Plans ▪ Medicare ₋ What’s New ₋ Coverage Options ₋ Upcoming Change for 2020 ₋ Health Reimbursement Arrangement (HRA) ₋ Coverage Gap Special Payment
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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 defaulted into the Vision Discount plan at no cost. ▪ This is the second year we are offering the Vision Choice
▪ To locate VSP providers
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Vision Plan
Vision Discount Vision Choice Exam $50
(with purchase of complete pair of glasses)
$10 Frames 25% savings
(with purchase of complete pair of glasses)
$150 frame allowance Lenses $40 - $75
(with purchase of complete pair of glasses)
$25 materials copay Contact Lenses 15% savings $130 allowance
▪ Open to new enrollments in 2020 ▪ Contact Empyrean to enroll
monthly premium
▪ Preventative, domestic, consumer and defensive legal services ▪ Create a will ▪ Identity theft and credit monitoring services provided ▪ Telephone and in person access;
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Legal Plan
▪ Kaiser Permanente
▪ Anthem Blue Cross Plans:
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Non-Medicare Medical Plans
Rates provided by Empyrean
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Non-Medicare Medical Plans - Comparison
Refer to page 20
Open Enrollment Guide to compare Non-Medicare plans
2020 Medical Plan Options Comparison of Benefit Coverages
Anthem Blue Cross HDHP
Offers both In-network and Out-of-network benefits ▪ In-network:
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Deductible: $1,500 individual; $3,000 family (2 or more)
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Coinsurance: Plan pays 90% after deductible is met
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Out-of-Pocket Maximum: $5,000 individual; $10,000 family ▪ Out-of-Network:
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Deductible: $3,000 individual; $6,000 family (2 or more)
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Coinsurance: Plan pays 70% after deductible is met
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Out-of-Pocket Maximum: $10,000 individual; $20,000 family ▪ HSA Compatible
An HSA is a tax-advantaged account which can be used to save money for eligible medical expenses. Some advantages of an HSA are: ― Contributions to an HSA are tax deductible ― Earnings grow tax free ― Distributions used for eligible medical expenses are tax free ― Unused HSA balances rollover from year to year The 2020 IRS HSA maximum contribution limits are: ― $3,550 for a single plan and $7,100 for a family plan ― Additional $1,000 if you are age 55 or older
You may want to ask a tax advisor if an HSA plan is right for you.
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Becoming Medicare eligible ▪ You can be eligible for Medicare as follows:
receiving Social Security disability benefits
▪ If eligible due to a disability, contact Empyrean
▪ 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 send to Empyrean as proof
▪ If Due to Disability
become eligible for SSDI benefits
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Medicare
▪ 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
Via Benefits
– Option 3: Not eligible for Medicare, stay on Non-Medicare plan – Option 4: Suspend LLNS coverage and enroll through spouse’s plan
contributions
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Medicare
Contact Empyrean at (844) 750-5567 to confirm your selection and finalize the event
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▪ New Medicare Card
‐ Have you received a new card and destroy your old Medicare card? ‐ Your new Medicare Number is a unique combination of numbers and letters – it no longer uses your Social Security Number
Watch out for scams! Medicare will never ask you to give us personal or private information to get your new Medicare Number and card
▪ Kaiser Permanente Senior Advantage (KPSA)
‐ Election made through Empyrean (for California only) ‐ Group plan ‐ Monthly cost is $240.20 per Medicare eligible person
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Annual cost is $2,882.40
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$432.40 annual out-of-pocket expense if receiving 100% LLNS contribution to HRA
‐ New enrollees can now enroll in KPSA online with Empyrean – no enrollment forms! ‐ Online submissions must be completed and submitted to Kaiser by December 31st for January 1, 2019 effective date
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Medicare - 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 your local Kaiser – Send confirmation of your enrollment to ViaBenefits – Via Benefits will set up your HRA
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Medicare - Coverage Options
For Medicare Plans other than Kaiser Senior Advantage, contact Via Benefits
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Medicare - Coverage Options
▪ Monday and Tuesday are the busiest days of the week. ▪ The best time to call is in the afternoon
Anticipated Peak Days Mon, October 15 and Tues, October 16 Mon, November 25 thru Fri, November 29 Mon, December 2 thru Sat, December 7
Operating Hours Monday – Friday 5:00 a.m. – 6 p.m. PT
▪ Zip Code 94550 ▪ Zip Code 95376
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Medicare - Coverage Options
▪ Medicare 2020 MACRA Legislation
sold as of 2019 to newly eligible Medicare participants
enrollments by Medicare
grandfathered
for 2020 information
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▪ Must be enrolled in a Medicare plan through Via Benefits or with Kaiser Permanente Senior Advantage (through Empyrean) ▪ Annual HRA maximum amount is $2,450 per Medicare-eligible participant for 2020 ▪ 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
provided per IRS requirements
auto-reimbursement
▪ LLNS provides a separate fund for Prescription Drug gap
‐ To be eligible for the special payment you must been enrolled in a medical plan through Via Benefits ‐ Each Medicare eligible participant is eligible for this payment ‐ Medicare has set the gap for drug costs from $4,020 to $6,350 – Maximum lump sum payment is $1,587.50 (25% of the $6,350), 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
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Medicare - 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
Via Benefits handles
1. Individual Medicare plans 2. Kaiser Medicare plans outside CA (HRA only)
▪ 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 2020 must be given to continue automatic payments
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Current 2019 authorization ends
‐ Two ways to provide authorization
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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 …
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Empyrean
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Via Benefits
▪ 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 Via Benefits (866) 682-4841 https://my.viabenefits.com/ 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, 2020.
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