Benefits Briefing October 30, 2018 Benefits Office Lawrence - - PowerPoint PPT Presentation

LLNL-PRES-

2019 Retiree Open Enrollment Benefits Briefing

Benefits Office Lawrence Livermore National Laboratory

October 30, 2018

▪ 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

1

Agenda

2

Open Enrollment Dates

Take away or callout

▪ October 15 – December 7 (through Via Benefits)

• For Medicare eligible retirees and dependents not enrolled in

Kaiser

• Shop around for Medicare supplement plans and Prescription

plans

▪ October 22 – November 16 (through Empyrean)

• For Dental, Vision and Legal plans
• For non-Medicare medical plans
• For Kaiser Permanente Senior Advantage (Medicare)

3

Communications

4

What’s New?

A new vision plan is being added for 2019. You will now have a choice between the Vision Discount program at no cost, or the comprehensive Vision Choice plan with a monthly premium. Please see the Open Enrollment Guide for details. The Vision Discount plan will remain the default if you do not make an active election.

▪ 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 ▪ Enroll in the new Vision Choice plan

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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:

• Spouse or Domestic Partner
• Children, stepchildren,

adopted children, foster children to age 26 and legal wards to age 18

• Verification of eligibility will

be requested when first retired or when adding a new dependent

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Who is Eligible for Coverage?

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Review of LLNS benefits

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) ₋ “Donut Hole” Special Payment

8

Dental Plans

▪ Delta Dental PPO

• Worldwide coverage (may use any dentist)
• Maximum benefits with PPO Delta Dentists
• $50 annual deductible
• $1,700 annual maximum benefit (PPO Dentist)
• $1,500 annual maximum benefit (non- PPO Dentist)

▪ DeltaCare USA

• HMO dental plan

– Must use DeltaCare USA dentists only (except in emergencies)

• Available in California only
• Co-payments vary based on services performed
• No annual maximum benefit or deductible

Difference in Networks:

• Delta Dental PPO –

allows you to see any licensed dentist

• DeltaCare USA –

limits access to network dentists

• nly

▪ All retirees and dependents are eligible and automatically enrolled in the Vision Discount plan; may elect Vision Choice plan at a cost ▪ To locate VSP providers

• Visit www.vsp.com or call 1-800-877-7195

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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

▪ Open to new enrollments in 2019 ▪ Contact Empyrean to enroll

• Empyrean will bill you for the

monthly premium

▪ Preventative, domestic, consumer and defensive legal services ▪ Identity theft and credit monitoring services provided ▪ Telephone and in person access;

• nline resources

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Legal Plan

▪ Kaiser Permanente

• Kaiser HMO (Northern California)
• Kaiser HMO (Southern California)

▪ Anthem Blue Cross Plans:

• Anthem Blue Cross CORE Value
• Anthem Blue Cross EPO
• Anthem Blue Cross Plus
• Anthem Blue Cross PPO

11

Non-Medicare Medical Plans

Rates provided by Empyrean

No benefit design changes for 2019

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Non-Medicare Medical Plans - Comparison

Refer to page 20

• f the

Open Enrollment Guide to compare Non-Medicare plans

2019 Medical Plan Options Comparison of Benefit Coverages

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Medicare

Becoming Medicare eligible ▪ You can be eligible for Medicare as follows:

• Normally at age 65
• Before age 65 if disabled and

receiving Social Security disability benefits

▪ If eligible due to a disability, contact Empyrean

▪ If Turning age 65

• Are you eligible for Medicare? Contact Social Security Administration

(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

• You will be notified by Social Security Administration when you

become eligible for SSDI benefits

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Medicare

▪ If Turning age 65

• Three to four months prior to becoming 65, a letter will be sent to

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

• Non-Medicare dependents will continue in the same plan with direct

contributions

15

Medicare

Contact Empyrean at (844) 750-5567 to confirm your selection and finalize the event

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Medicare - What’s New?

▪ New Medicare Card

‐ New cards have been mailed to those living in California ‐ Once received, destroy your old Medicare card and start using your new card right away ‐ 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 ‐ Cost is $227.68 per Medicare eligible person

–

Annual cost is $2,732.16

–

$282.16 annual out-of-pocket expense if receiving 100% LLNS contribution to HRA

‐ New enrollees will need to complete a KPSA group enrollment form ‐ Forms 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 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

• r later in the week

Anticipated Peak Days Mon, October 15 and Tues, October 16 Mon, November 26 thru Fri, November 30 Mon, December 3 thru Fri, December 7

▪ Zip Code 94550 ▪ Zip Code 95376

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Coverage Options (cont.)

▪ Medicare 2020 MACRA Legislation –

• Medicare Plans that cover the Part B deductible can no longer be sold as of

1/1/2019 to newly eligible Medicare participants

• Therefore Medigap Plans F and C will be eliminated for new enrollments by

Medicare

• Those enrolled in Plan F or Plan C as of 12/31/2019 will be grandfathered
• Closest coverage will be Plan G
• Medicare Part B deductible is $183 for the year

21

Medicare – Upcoming Change for 2020

▪ Must be enrolled in a Medicare plan through Via Benefits or with Kaiser Permanente Senior Advantage (through Empyrean) ▪ HRA maximum amount is $2,450 per Medicare-eligible participant for 2019 ▪ 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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Health Reimbursement Arrangement (Cont.)

▪ The HRA monies can be used to reimburse you for eligible health care expenses on a tax-free basis

• Expenses eligible for reimbursement:

– Medicare supplement insurance

premiums

– Prescription drug plan premiums – Deductibles and co-pays – Medicare Part B premiums

• Proof of expense will need to be

provided per IRS requirements

• May have to file a claim or set up

auto-reimbursement

▪ This special payment is taxable income ▪ Kaiser does not have a Medicare Prescription Drug Plan Gap

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“Donut Hole” Special Payment

▪ 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 Via Benefits ‐ Each Medicare eligible participant is eligible for this payment ‐ The gap covers drug costs from $3,820 to $5,100 – Maximum lump sum payment is $2,550 (50% of the $5,100), prorated based upon month in which donut hole gap is reached

▪ Payment is taxable; you will receive a 1099-R

25

Donut Hole Payment

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

Empyrean

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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Administrative Notes

Billing

▪ Automatic Payments from HRA to Empyrean ‐ Authorization for 2019 must be given to continue automatic payments

–

Current 2018 authorization ends

‐ Two ways to provide authorization

1.

Kaiser will attempt outbound calls from November to December; give authorization to representative

• 2. Call Kaiser HRA Payment Center

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Administrative Notes

Kaiser HRA

Kaiser HRA Payment Center 1-877-761-3399

▪ Who to contact when you change your address:

• 1. Pension Administrator
• UC Retirement
• CalPERS
• LLNS Pension Plan
• 2. Empyrean
• 1-844-750-5567
• Empyrean will notify the dental, vision, legal plan & Via Benefits
• 3. Your Medicare Supplement plan

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Administrative Notes

Address Change

▪ If you make a change …

• You will receive a Confirmation Statement from

–

Empyrean

–

Via Benefits

▪ Review it and confirm the information is correct

30

Administrative Notes

Confirmation Statement

31

Contacts

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

• r financial advisor for such advice.

▪ Content of this presentation is valid as of date of presentation to expire

December 31, 2019.

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Legal Disclosures

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Th Than ank you k you!