Garden Grove Unified School District Retiree Health and Welfare - PowerPoint PPT Presentation

Garden Grove Unified School District Retiree Health and Welfare Benefits 2018

Medical Premium for Retirees Under 65  Retiree Only – $450 yearly  Retiree & Spouse / Domestic Partner – $900 yearly  Rates for additional eligible dependents vary by plan

Turning 65…  Classified Employees  no coverage is offered after age 65  Certificated Employees – AB528  may elect continued dental coverage at time of retirement  May elect continued medical coverage when turning 65

AB528 Dental Rates (quarterly) ■ Note: Rates shown are for Jan. 1, 2018. District United Self-Insured Concordia Dental Single $127.66 $20.11 Two-Party $230.35 $58.35

■ Time to make changes ● Add / Remove dependents (outside of a qualifying event) ● Change medical or dental coverage ■ OE month of October ● Insurance Dept. must receive all forms by: October 31, 5:00 pm ● Plan year: Jan. 1 – Dec. 31, 2018

Qualifying Event(s) ■ Certain changes in your status allow you to change the dependents on your plan: ● New marriage / Domestic partnership ● New birth / Adoption ● Loss of other coverage in certain circumstances ■ Divorce or Legal Separation requires you to remove your former spouse. ■ All changes MUST be made within 31 days of the qualifying event

Medical Plans ■ GGUSD Self-Insured PPO – Anthem PPO Network ■ GGUSD Self-Insured EPO – Anthem PPO Network ■ HMO – Anthem CACARE Large Group Network

Medical Overview (1/2) PPO EPO HMO Deductible $300 / Individual $300 / Individual No Deductible $900 / Family $900 / Family Out-of-Pocket In-Network: In-Network: In-Network: Max $2,500 / Individual $2,500 / Individual $2,000 / Individual $7,500 / Family $7,500 / Family $6,000 / Family Non-Network: Non-Network: Non-Network: $3,500 / Individual No Coverage No Coverage $12,700 / Family Primary or $25 Co-Pay + 20% $25 Co-Pay $25 Co-Pay Specialist Office Visit

Medical Overview (2/2) PPO EPO HMO ER $100 Co-Pay + $100 Co-Pay $100 Co-Pay 20% Co-Insurance ■ Hospital In Network: In-Network only: In-Network only: Inpatient 80% / 20% 100% / 0% $100 / day Services or ($300 max per admit) ■ Outpatient Non-Network: Surgery 70% / 30% plus amount exceeding allowable rates $5, $10, $35 $5, $10, $35 $5, $15, $30 Pharmacy Co-Pays

Differences (1/2) PPO EPO HMO Highest Out-of-Pocket Middle Out-of-Pocket Lowest Out-of-Pocket Most Flexible More Flexible than HMO Least Flexible Nationwide CA Only CA Only Provider Network: Provider Network: Provider Network:    California: Blue Cross PPO Blue Cross HMO Prudent Buyer – Blue Cross PPO (CACARE) Prudent Buyer – Large Group Large Group Large Group  Outside of CA: National PPO (Blue Card)

Differences (2/2) PPO EPO HMO In-Network & In-Network Coverage In-Network Coverage Non-Network ONLY ONLY Coverage Referral-free Access In-Network only Limited to PCP and Referral-free Access medical group (Some services (Some services (PCP referral needed still require still require for most specialists) pre-certification) pre-certification)

Finding In-Network PPO/EPO Providers: Access the instructions for provider search at www.ggusd.us/insurance ■ Check before EVERY appointment; changes can occur throughout the year. ■ Retain copy of search result. ■ Be sure to see provider at exact STREET ADDRESS and SUITE # listed. ■ When searching by name, keep your search broad: “All Specialties” ■ Difficulty locating by name? Search by location.

Explanation of Benefits (EOB): Sample

Pharmacy Provider: PPO and EPO ■ Managed by American Health Care ■ Separate Card ■ Telephone: 800-872-8276 ■ Refer to online formulary for drug availability ● Register at: americanhealthcare.com

Dental ■ Garden Grove Self-Insured Dental ■ United Concordia

Garden Grove Self-Insured Dental Plan ■ Choose your own dentist ● Use network for additional savings! ● New larger Network: Guardian DentalGuard Preferred PPO ■ Annual deductibles ● $25 individual ● $75 family maximum ■ Annual limit: $2,000 ■ Coverage: 90% / 10% ■ Orthodontia ● Plan pays 50% ● $2,800 lifetime max

United Concordia (HMO) ■ Must use United Concordia dentists ■ No Deductible or Annual Limit ■ 100% coverage for most covered services ■ Orthodontia ● Employee pays: $1,500 for banding for those under 19 $2,000 for banding for those age 19 and older

Vision Service Plan ■ Usage: Date of service to Date of service ■ First Pair Benefit: ● Every 24 mos: $120 Frame allowance & ● Every 12 mos: $0 Copay for Lenses (for glasses) OR $105 Contacts allowance ■ Second Pair Benefit: ● Every 12 mos: $200 Contacts allowance OR $0 Copay for Lenses (for glasses)

How to be a good consumer... ■ Ask questions of your doctor and pharmacist ■ Prescriptions: Generic vs. Brand Name ■ Urgent Care vs. Emergency Room ■ Keep your EOBs for your records ■ Stay in network (includes doctors, facility, hospital, lab, etc.) ■ GGUSD Ins. Department is here to help ■ Keep Ins. Dept. updated: address or other coverage changes, etc.

Medicare • As an Active Employee, GGUSD’s medical is PRIMARY and Medicare is SECONDARY for both you and your spouse, regardless of Medicare eligibility • As an Early Retiree or Dependent Spouse of Early Retiree, GGUSD medical is PRIMARY until EE or spouse is eligible for Medicare (regardless of enrollment), and GGUSD will be SECONDARY

Medicare • Contact Medicare 3 months prior to age 65 • Early Retiree or Spouse, turning 65: - extremely important to ENROLL in Medicare Parts A and B as soon as you are eligible - If desire to continue use of GGUSD’s RX plan as PRIMARY with Early Retiree or AB528 med ins, do not enroll in Part D. • Resource – Medicare Counselors - HICAP phone # 714-560-0424

www.ggusd.us/insurance

Conclusion ■ Forms to be completed (HMO Medical / Dental requires additonal application) ● Insurance Election and Authorization Form ● Medical Enrollment Form(s) ● Dental Enrollment Form(s)

Questions? ■ Please feel free to contact us with any questions regarding your coverage Kim Bessey kbessey@ggusd.us Evette Chiang echiang@ggusd.us Jan Hill jhill1@ggusd.us Insurance Dept. www.ggusd.us/insurance 714-663-6523