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

2019 Retiree Open EnrollmentBenefits Briefing

Benefits OfficeLawrence Livermore National Laboratory

October 30, 2018

LLNL-PRES-

▪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

LLNL-PRES-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)

LLNL-PRES-3

Communications

LLNL-PRES-4

What’s New?

A new vision plan is being added for 2019.

You will now have a choice between the Vision Discountprogram at no cost, or the comprehensive Vision Choice plan with a monthly premium.

Please see the Open EnrollmentGuide for details.

The Vision Discount plan will remain the default if you do not make an active election.

LLNL-PRES-

▪ 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

5

What Actions Can You Take?

If no changes are made during Open Enrollment, you will remain in the same plans.

LLNL-PRES-

▪ 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

Who is Eligible for Coverage?

LLNL-PRES-7

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

LLNL-PRES-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 only

LLNL-PRES-

▪All retirees and dependents are eligible and automaticallyenrolled 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

9

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

LLNL-PRES-

▪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

Legal Plan

LLNL-PRES-

▪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

LLNL-PRES-12

Non-Medicare Medical Plans - Comparison

Refer to page 20 of the Open

Enrollment Guide

to compare Non-Medicare

plans

2019 Medical Plan Options Comparison of Benefit Coverages

LLNL-PRES-13

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

LLNL-PRES-

▪ 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

Medicare

LLNL-PRES-

▪ 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) 750-5567to confirm your selection and finalize the event

LLNL-PRES-16

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

LLNL-PRES-

▪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

17

Medicare - Coverage Options

LLNL-PRES-

▪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

Medicare - Coverage Options

LLNL-PRES-

For Medicare Plans other than Kaiser Senior Advantage,

contact Via Benefits

19

Medicare - Coverage Options

▪ Monday and Tuesday are the busiest days of the week.

▪ The best time to call is in the afternoon or 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

LLNL-PRES-

▪ Zip Code 94550

▪ Zip Code 95376

20

Coverage Options (cont.)

LLNL-PRES-

▪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

LLNL-PRES-

▪ Must be enrolled in a Medicare plan through Via Benefits or with Kaiser Permanente Senior Advantage (through Empyrean)

▪ HRA maximum amount is $2,450 perMedicare-eligible participant for 2019

▪ Tax-free employer funded account

▪ Any unused amount rolls over to the next year

22

Health Reimbursement Arrangement (HRA)

LLNL-PRES-23

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

LLNL-PRES-

▪ This special payment is taxable income

▪Kaiser does not have a Medicare Prescription Drug Plan Gap

24

“Donut Hole” Special Payment

LLNL-PRES-

▪ 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

LLNL-PRES-26

Medicare - Who Handles Your Enrollment?

DentalMedical

LegalVision

Empyrean handles1. Non-Medicare medical plans2. Kaiser Senior Advantage

Additionally, Empyrean handles‐ Dependent eligibility‐ Address changes‐ HRA eligibility

EmpyreanVia Benefits handles

1. Individual Medicare plans2. Kaiser Medicare plans outside CA

(HRA only)

LLNL-PRES-

▪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)

27

Administrative NotesBilling

LLNL-PRES-

▪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

28

Administrative NotesKaiser HRA

Kaiser HRA Payment Center1-877-761-3399

LLNL-PRES-

▪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

29

Administrative NotesAddress Change

LLNL-PRES-

▪ 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 NotesConfirmation Statement

LLNL-PRES-31

Contacts

OrganizationPhone

NumberWebsite

Empyrean(844)

750-5567www.llnsretireebenefits.com

Via Benefits(866)

682-4841https://my.viabenefits.com/

Kaiser HRA Payment Center

(877) 761-3399

www.kp.org/healthpayment

LLNS BenefitsOffice

(925)422-9955

https://benefits.llnl.gov/

LLNL-PRES-

▪ 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 or financial advisor for such advice.

▪ Content of this presentation is valid as of date of presentation to expire December 31, 2019.

32

Legal Disclosures

LLNL-PRES-33

Thank you!