2019 Retiree Open Enrollment Benefits Briefing October 30, 2018 Benefits Office Lawrence Livermore National Laboratory LLNL-PRES- 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, LLC
Agenda ▪ 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 LLNL-PRES-
Open Enrollment Dates ▪ 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) Take away or callout 2 LLNL-PRES-
Communications 3 LLNL-PRES-
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. 4 LLNL-PRES-
What Actions Can You Take? ▪ 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 If no changes are made during Open Enrollment, you will remain in the same plans. 5 LLNL-PRES-
Who is Eligible for Coverage? ▪ 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 6 LLNL-PRES-
Review of LLNS benefits ▪ Dental ▪ Medicare ▪ Vision ₋ What’s New ▪ Legal ₋ Coverage Options ▪ Non-Medicare Medical ₋ Upcoming Change for Plans 2020 ₋ Health Reimbursement Arrangement (HRA) ₋ “Donut Hole” Special Payment Take away or callout 7 LLNL-PRES-
Dental Plans ▪ Delta Dental PPO Difference in Networks: - Worldwide coverage (may use any dentist) • Delta Dental PPO – - Maximum benefits with PPO Delta Dentists allows you to see any licensed dentist - $50 annual deductible • DeltaCare USA – - $1,700 annual maximum benefit (PPO Dentist) limits access to - $1,500 annual maximum benefit (non- PPO Dentist) network dentists only ▪ 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 8 LLNL-PRES-
Vision Plan ▪ All retirees and dependents are eligible and automatically enrolled in the Vision Discount plan; may elect Vision Choice plan at a cost Vision Discount Vision Choice Exam $50 $10 (with purchase of complete pair of glasses) Frames 25% savings $150 frame allowance (with purchase of complete pair of glasses) Lenses $40 - $75 $25 materials copay (with purchase of complete pair of glasses) Contact 15% savings $130 Lenses ▪ To locate VSP providers - Visit www.vsp.com or call 1-800-877-7195 9 LLNL-PRES-
Legal Plan ▪ 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; online resources 10 LLNL-PRES-
Non-Medicare Medical Plans ▪ 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 No benefit design changes for 2019 Rates provided by Empyrean 11 LLNL-PRES-
Non-Medicare Medical Plans - Comparison 2019 Medical Plan Options Comparison of Benefit Coverages Refer to page 20 of the Open Enrollment Guide to compare Non-Medicare plans 12 LLNL-PRES-
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 13 LLNL-PRES-
Medicare ▪ 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 14 LLNL-PRES-
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 Contact Empyrean at (844) 750-5567 to confirm your selection and finalize the event 15 LLNL-PRES-
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 16 LLNL-PRES-
Medicare - Coverage Options ▪ 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 31 st ‐ for January 1, 2019 effective date 17 LLNL-PRES-
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 18 LLNL-PRES-
Medicare - Coverage Options For Medicare Plans other than Kaiser Senior Advantage, contact Via Benefits Anticipated Peak Days Mon, October 15 and Tues, October 16 Mon, November 26 thru Fri, November 30 Mon, December 3 thru Fri, December 7 ▪ Monday and Tuesday are the busiest days of the week. ▪ The best time to call is in the afternoon or later in the week 19 LLNL-PRES-
Coverage Options (cont.) ▪ Zip Code 94550 ▪ Zip Code 95376 20 LLNL-PRES-
Medicare – Upcoming Change for 2020 ▪ 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 LLNL-PRES-
Health Reimbursement Arrangement (HRA) ▪ 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 22 LLNL-PRES-
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 23 LLNL-PRES-
“Donut Hole” Special Payment ▪ This special payment is taxable income ▪ Kaiser does not have a Medicare Prescription Drug Plan Gap 24 LLNL-PRES-
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