2020 retiree open enrollment benefits briefing...llnl-pres-795489 8 dental plans delta dental ppo -...
TRANSCRIPT
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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
2020 Retiree Open EnrollmentBenefits Briefing
Liza HahlbeckLawrence Livermore National Laboratory
October 30, 2019
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▪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
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Agenda
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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 21 – November 15 (through Empyrean)
- For Dental, Vision and Legal plans
- For non-Medicare medical plans- For Kaiser Permanente Senior Advantage (Medicare)
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Communications
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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%.
Like the Anthem Blue Cross Core Value Plan, it is HSA-eligible.
This Photo by Unknown Author is licensed under CC BY-NC-ND
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▪ 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
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What Actions Can You Take?
If no changes are made during Open Enrollment, you will remain in the same plans.
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▪ 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
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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)
₋ Coverage Gap Special Payment
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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
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▪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.
▪ 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 allowance
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▪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
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Legal Plan
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▪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
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Non-Medicare Medical Plans
Rates provided by Empyrean
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Non-Medicare Medical Plans - Comparison
Refer to page 20 of the Open
Enrollment Guide
to compare Non-Medicare
plans
2020 Medical Plan Options Comparison of Benefit Coverages
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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
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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.
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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
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▪ 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
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▪ 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
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Medicare
Contact Empyrean at (844) 750-5567to confirm your selection and finalize the event
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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
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▪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 31st for January 1, 2019 effective date
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Medicare - Coverage Options
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▪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
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Medicare - Coverage Options
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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 or later in the week
Anticipated Peak Days
Mon, October 15 and Tues, October 16
Mon, November 25 thru Fri, November 29
Mon, December 2 thru Sat, December 7
Operating HoursMonday – Friday 5:00 a.m. – 6 p.m. PT
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▪ Zip Code 94550
▪ Zip Code 95376
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Medicare - Coverage Options
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▪Medicare 2020 MACRA Legislation
- MACRA = Medicare Access and CHIP Reauthorization Act of 2015
- Medicare Plans that cover the Part B deductible were no longer be sold as of 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 currently $183 for 2019; we are waiting for 2020 information
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Medicare – Upcoming Change for 2020
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▪ Must be enrolled in a Medicare plan through Via Benefits or with Kaiser Permanente Senior Advantage (through Empyrean)
▪ Annual HRA maximum amount is $2,450 per Medicare-eligible participant for 2020
▪ 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
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▪ LLNS provides a separate fund for Prescription Drug gap
‐ To be eligible for the special payment you must been enrolled in a medical plan through Via Benefits
‐ Each Medicare eligible participant is eligible for this payment
‐ Medicare has set the gap for drug costs from $4,020 to $6,350
– Maximum lump sum payment is $1,587.50 (25% of the $6,350), prorated based upon month in which donut hole gap is reached
▪ Payment is taxable; you will receive a 1099-R
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Coverage Gap Special Payment Medicare Prescription Drug “Coverage Gap”
Does not apply to Kaiser Permanente Senior Advantage
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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)
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▪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 NotesBilling
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▪Automatic Payments from HRA to Empyrean
‐ Authorization for 2020 must be given to continue automatic payments
– Current 2019 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 NotesKaiser HRA
Kaiser HRA Payment Center1-877-761-3399
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▪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 NotesAddress Change
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▪ If you make a change …
- You will receive a Confirmation Statement from– Empyrean– Via Benefits
▪ Review it and confirm the information is correct
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Administrative NotesConfirmation Statement
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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/
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▪ 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, 2020.
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Legal Disclosures
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Thank you!