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 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-795489
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 21 – November 15 (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-795489
Communications 3 LLNL-PRES-795489
What’s New? A new Non-Medicare medical plan is being added for 2020. For those of you who are non- Medicare eligible, we will be offering the Anthem Blue Cross High-Deductible Health Plan (HDHP). This plan has a $1500 deductible for an individual, $3000 for family (2 or more) and then pays 90%. This Photo by Unknown Author is licensed under CC BY-NC-ND Like the Anthem Blue Cross Core Value Plan, it is HSA-eligible. 4 LLNL-PRES-795489
What Actions Can You Take? ▪ Change to a different medical plan - See if the Anthem HDHP is an option for you ▪ 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 If no changes are made during Open Enrollment, you will remain in the same plans. 5 LLNL-PRES-795489
Who is Eligible for Coverage? ▪ Yourself ▪ Dependents: - Spouse or Registered 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-795489
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) ₋ Coverage Gap Special Payment Take away or callout 7 LLNL-PRES-795489
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-795489
Vision Plan ▪ 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 plan. There is a monthly cost for this richer benefit. 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 allowance Lenses ▪ To locate VSP providers - Visit www.vsp.com or call 1-800-877-7195 9 LLNL-PRES-795489
Legal Plan ▪ Open to new enrollments in 2020 ▪ Contact Empyrean to enroll - Empyrean will bill you for the monthly premium ▪ Preventative, domestic, consumer and defensive legal services ▪ Create a will ▪ Identity theft and credit monitoring services provided ▪ Telephone and in person access; online resources 10 LLNL-PRES-795489
Non-Medicare Medical Plans ▪ Kaiser Permanente - Kaiser HMO (Northern California) - Kaiser HMO (Southern California) ▪ Anthem Blue Cross Plans: - New: Anthem Blue Cross HDHP - Anthem Blue Cross CORE Value - Anthem Blue Cross EPO - Anthem Blue Cross Plus - Anthem Blue Cross PPO Rates provided by Empyrean 11 LLNL-PRES-795489
Non-Medicare Medical Plans - Comparison 2020 Medical Plan Options Comparison of Benefit Coverages Refer to page 20 of the Open Enrollment Guide to compare Non-Medicare plans 12 LLNL-PRES-795489
Anthem Blue Cross HDHP Offers both In-network and Out-of-network benefits ▪ In-network: Deductible: $1,500 individual; $3,000 family (2 or more) – Coinsurance: Plan pays 90% after deductible is met – Out-of-Pocket Maximum: $5,000 individual; $10,000 family – ▪ Out-of-Network: Deductible: $3,000 individual; $6,000 family (2 or more) – Coinsurance: Plan pays 70% after deductible is met – Out-of-Pocket Maximum: $10,000 individual; $20,000 family – ▪ HSA Compatible LLNL-PRES-795489
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. LLNL-PRES-795489
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 15 LLNL-PRES-795489
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 16 LLNL-PRES-795489
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 17 LLNL-PRES-795489
Medicare - What’s New? ▪ 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 18 LLNL-PRES-795489
Medicare - Coverage Options ▪ Kaiser Permanente Senior Advantage (KPSA) ‐ Election made through Empyrean (for California only) ‐ Group plan ‐ Monthly cost is $240.20 per Medicare eligible person Annual cost is $2,882.40 – $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 31 st for January 1, 2019 effective date 19 LLNL-PRES-795489
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 20 LLNL-PRES-795489
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 25 thru Fri, November 29 Mon, December 2 thru Sat, 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 Operating Hours Monday – Friday 5:00 a.m. – 6 p.m. PT 21 LLNL-PRES-795489
Medicare - Coverage Options ▪ Zip Code 94550 ▪ Zip Code 95376 22 LLNL-PRES-795489
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