Medical

Non-Medicare Eligible Participants

Plan B medical coverage will be provided for non-Medicare eligible retirees and their dependents. Plan B also includes prescription drug coverage.

Plan Highlights

Here’s a snapshot of what you’ll pay for medical services under the retiree plan. For a full list of covered services, refer to your Plan Documents.

All copay and coinsurance costs shown are after the deductible has been met, if a deductible applies.

**Any copays and/or deductibles are not included in and do not count toward the total out of pocket.

***Chiropractic care limited to 36 visits per person, per calendar year; $1,500 massage therapy limit per person, per calendar year.

Medicare-Eligible Participants

Plan B medical coverage is provided for Medicare-eligible retirees and their dependents in addition to and coordinating with your Medicare coverage. Once you or your dependents become eligible for Medicare, you MUST enroll in:

• Part A (Hospital Insurance) and
• Part B (Medical Insurance)

Coordination of Benefits With Medicare

Medicare is multi-part benefits coverage program:

• Part A (Hospital Insurance): Provides coverage for inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
• Part B (Medical Insurance): Provides coverage for certain physician services, outpatient care, medical supplies, and preventive services.
• Part C (Medicare Advantage Plan): Typically bundles Parts A and B and usually Part D (prescription drug coverage). It is Medicare’s managed-care offering. If you are covered by an HMO, the Plan will presume that you have complied with the HMO rules necessary for your expenses to be covered by the HMO.

Note: If you are eligible for Medicare and you enroll in a Medicare Advantage plan, you MUST use network providers and comply with the managed care provider’s requirements. If you do not, benefits paid under this Plan will be limited to the amount that would have been paid by Medicare had you used a network provider and/or complied with the managed care provider’s requirements.

After becoming eligible for Medicare, the Plan will reduce your benefits by the amount Medicare would cover for health services, even if you are not enrolled in a Medicare plan. If you are already receiving a Social Security benefit, then you will automatically be enrolled in Medicare Parts A and B. Note: If you or your dependents enroll in Medicare Part D for prescription drug coverage, you will not be eligible to receive prescription drug benefits under the Plan.

For more information, visit Medicare and contact the Social Security Administration three months before you turn 65 to initiate Medicare enrollment.

Plan Highlights

Here’s a snapshot of your level of coverage under the Plan. The percentage listed refers to the amount the Plan pays for services. For a full list of covered services, refer to your Plan Documents.