Please review the Enrollment Book for detailed information on Medicare options!
We have established Group Medical plans for Retirees in the Auto, Airline and Steel Industries eligible for Medicare, regardless of their age, that have worked for any Airline, Auto or Steel Company for at least 5 years and can provide documentation of their eligibility. Unlike the Pre-65 plans we offer, it is not necessary that the former employers have their plan trusteed by the Pension Benefits Guaranty Corporation (PBGC) in order to qualify for Medicare group plans established by Cone Retiree Healthcare Group through the Airline, Auto and Steel Industries as well as the Dental and Vision plans.
Retiree Eligibility for Medicare Plans
Eligible retirees have the ability to enroll in the plans offered through the Trust. You did not have to work for a company that declared Bankruptcy to be eligible to enroll in these plans.
You will find we have excellent healthcare options available to ALL US Steel Retirees through these plans.
Medicare-eligible retirees, spouses, domestic partners, survivors and their families who have worked at least 5 years for one of the companies eligible to participate in the Trust.
Your legally married spouse, including a declared common-law spouse.* Only one spouse or same gender domestic partner may be covered at any time. *Where recognized by the state.
The individual who lives in the same household and shares the common resources of life in a close, personal, intimate relationship with a retiree if, under state law, the individual would not be prevented from marrying the retiree due to age, consanguinity, or prior undissolved marriage to another. An eligible domestic partner must be of the same gender as the retiree. Only one spouse or same-gender domestic partner may be covered at any time
Annual Enrollment Periods
The Annual Enrollment begins October 15 – December 31 each year. We recommend you enroll as soon as possible after October 15 to ensure you receive your insurance cards in a timely manner. Don’t confuse the Trust’s open enrollment period with the Individual Market’s open enrollment period which is from October 15th to December 7th. Because this Trust is a Group plan, we are able to extend the annual open enrollment period until December 31st of each year.
Enrollment for New Retirees or Retirees becoming Medicare Eligible
If you are retiring or becoming Medicare eligible, your enrollment period to enroll in a Medicare plan will follow the same timeline that you would follow if you were enrolling in the individual market. Your Pre-65 insurance will typically end on the last day of the month prior to your 65th birthday. You will have up to 3 months prior to your 65th birthday and 3 months following your 65th birthday to enroll in a Medicare plan. If you do not enroll in a Medicare plan during that time period, you may be subject to permanent penalties from Medicare for not enrolling in a timely manner, so make sure you take the proper steps to get enrolled in the time allowed.
What Can I Change During Open Enrollment?
Return to Original Medicare from an existing Medicare Advantage (MA) plan if you are currently enrolled in a Medicare Advantage Plan
Enroll in Medicare Plan D (prescription drug plan) or move to another coverage level in the Trust
Drop your Plan D coverage if you plan to get your prescription drug coverage through a private insurance provider.
Switch from one Medicare Advantage plan to a different one
Make changes to your Dental or Visions options available to the eligible plan participants
Keep your Contact Information Up to Date
Please give us feedback on our NEW Website! www.mymedplans.com
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It is very important to have the most up to date contact information for Airline Retirees that are eligible to participate in the healthcare programs the Airline Industry offers.
Don’t Forget to Update Your Contact Information!
To update your contact information, click on the “Join our Mailing List”
Important Reminders for Medicare Eligible Retirees Enrolled in Group Plans
Retirees that turn 65 and continue on group coverage with their spouse or through another company, are not required to enroll in Medicare until spousal coverage terminates or the Retiree leaves group coverage through another plan without incurring a penalty assessment.
Medicare Eligibility Change
Under Age 65 - Your spouse/domestic partners are all eligible for any Medicare Plans offered through the Trust as long as you are Medicare eligible and are enrolled in Medicare Part A and Part B. The Secondary Medical Plans are available to Medicare eligible plan participants over the age of 65 only.
Medicare-eligible (over the age of 65) - If you are enrolling in the Medicare medical and prescription drug plans offered through the Trust, each plan participant has the ability to enroll in benefits coverage tailored to their specific needs. It is not necessary for the retiree and the spouse to be enrolled in the same benefit plan.
Choose the Right Plan for You!
Contained within this section you will find the rates for the various Medical, Dental, and Vision plans that are available to you. We offer cafeteria style benefits, you have the ability to select each of our healthcare options as standalone plans (Retiree Medical Plans, Medicare Advantage Plans and Dental/Vision plans). We also offer a Medicare Advantage Plan that includes a Prescription Drug Plan.
In addition, *Dental and Vision must be selected together when choosing these products without Medical or Prescription drug coverage options. They are only offered as bundled coverage.
The Hartford MEDICAL PLANS / AETNA RX PLANS
· The Hartford offers 2 Retiree Medical Plans in 2021.
Premium Choice (mirrors the “F” Plan) and Premium (mirrors the “N” Plan)
· Aetna will continue to provide the same 2 Standalone Prescription Drug
Plans in 2021
The Trust offers two (2) options of Retiree Medical Plans through The Hartford, and two (2) Aetna Medicare Prescription Drug plan options (PDPs) in all states where the plans are offered. You decide which, if any of these plans, best meet your needs. We do not require you to enroll in a “bundled” plan with both a medical and prescription drug plan. We allow you to decide what medical and prescription drug plans best meet your needs, understanding that “one size does not fit all ”.
While The Hartford provides two options for your medical needs and Aetna provides great options for prescription drug plans, the choice is yours, to select a medical and prescription drug plan through the Trust, or elect a medical plan through another provider.
The Hartford Retiree Medical plans work with original Medicare to pay for some or all of the remaining balances for Medicare approved services after Medicare’s payment.
The Hartford Retiree Medicare Plans are non-network plans, you have access to any Medicare-eligible provider. To find a doctor or hospital participating in Medicare and who accepts or does not accept Medicare assignments visit http://medicare.gov.
TRAVEL BENEFITS INCLUDED IN SECONDARY MEDICAL PLANS
Another important benefit for Auto Retirees enrolling in The Hartford Medicare Retiree Plans through the Steel Retiree VEBA Trust is the coverage for travel, you will pay a $250 deductible and then 20% up to a $50,000 maximum lifetime benefit.
THE HARTFORD RETIREE MEDICAL PLAN COST
-PREMIUM CHOICE (F PLAN) AND PREMIUM PLAN (G PLAN)
Retirees are eligible to join these The Hartford Retiree Medicare plans at anytime. These group plans offered are age banded. (except the state of Florida where they are banded by age and zip code). These Plans are always open for enrollment, unlike an individual plan, which has an open enrollment window.
The Enrollment form is for all States, with the exception of Florida.
PLEASE CONTACT BENISTAR CALL CENTER IF YOU ARE ENRO:LLING AND LIVE IN FLORIDA.
CONTACT BENISTAR TO HELP DETERMINE PRICING FOR FLORIDA.
THE HARTFORD GROUP RETIREE MEDICARE PLANS
Extra Benefit offered through The Hartford Medicare Plans
Welcome to the enhanced Silver&Fit® Healthy Aging and Exercise program where members will discover a better life balance in a program with flexibility, personalized support, and the following features tailored to meet their unique needs:
One on One Silver&Fit Healthy
Silver&Fit ASH Connect
National Network of 14,000+
Home Fitness Kits
Insured's Age Banded Rates
5 YEAR BANDS
UPON THE 1ST DAY OF YOUR BIRTHDAY MONTH
Total Per Month
Total Per Member
$14.95 Admin Fee already included (plan administration, billing and claims)
The 2020 Coverage Gap (Donut Hole) and what it means for your cost when purchasing Prescription Drugs
The donut hole is a gap in the Part D coverage of your prescription drug costs. The Initial Coverage Limit (the negotiated retail dollar value of a senior’s prescription drug purchases used to determine when a person enters into the Donut Hole or coverage gap phase of their Medicare Part D plan).
Medicare beneficiaries will enter the donut hole or coverage gap when the total negotiated retail cost of their prescription drug purchases reaches the initial coverage limit that is determined each year by CMS. In 2021, the donut hole begins when your total out of pocket cost including the cost to your provider is $4,130. -True Out-of-Pocket Costs (the actual dollar figure a person spends to get out of their donut hole or coverage gap, excluding monthly premiums) – The out-of-pocket threshold (or TrOOP) will usually increase each year by CMS. People who reach their donut hole will receive a discount on brand-named drugs while in the coverage gap. However, the full retail cost of medications purchased in the donut hole will still count toward meeting a person’s total out-of-pocket expense limit.
Coverage in the “Coverage Gap” for 2021 is 25% for Generics and 25% of the cost of the Drugs for Brand and Preferred Brand Drugs in 2021. Once an enrollee reaches the total out-of-pocket limit during the coverage gap of $6,550, they are bumped into “catastrophic coverage.”
Catastrophic coverage guarantees that once an enrollee has spent up to his or her plan’s out-of-pocket limit for covered prescriptions the person will only pay a nominal coinsurance fee or copayment for their drugs for the rest of the year. This currently works out to the enrollee paying about 5% or $3.70 whichever is greater for Generics, and $9.20 for all other drugs.
Medicare’s Program for Extra Help with Medicare Prescription Drug Plan Costs
Low Income Subsidy (LIS): Social Security provides the Program for extra help with Medicare Prescription Drug Plan Costs, also called the Low Income Subsidy (LIS), for people who have limited income and resources. To learn more about this program, please visit www.ssa.gov/prescriptionhelp or you can call Social Security at 1-800-772-1213 (available 24/7).
Prescription Drug (Part D) Coverage is Important even for those not currently using Drugs!
Please remember, everyone on Medicare must be enrolled in a Part D Prescription Drug plan when you become eligible for Medicare, or you will be subject to a penalty that will affect your premium for the rest of your life, if you fail to enroll in a timely manner. It does not matter if you do not use drugs or you purchase your drugs at a local pharmacy such as Wal-Mart and you only require generics. You must be enrolled in a Part D plan to meet Medicare requirements when you become Medicare eligible.
Enrolling in the Supplemental Medical Plans and Prescription Drug Plans
To enroll in a Supplemental Medical plan and/or a Prescription Drug Plan, please complete, sign and date the Enrollment forms and return them to Benistar at the address on the form.
Enrollment Form indicating your selections
•Premium Choice Plan(Plan F), or Premium Plan(Plan G)
•PDP High, PDP Low (or neither)
•Blue Dental/Blue Cross Blue Shield Dental
•Blue Vision (VSP)
A copy of any document(s) providing your employment in the Steel Industry for at least five (5) years or your retirement from the Steel Industry.
Network Access Information
With Blue Dental PPO Plus, members can choose any licensed dentist anywhere . However, they'll save the most money when they choose a dentist who is a member of the Blue Dental PPO network.
Blue Dental PPO Network
Blue Dental members have unmatched access to PPO dentists through the Blue Dental PPO network, which offers more than 260,000 dentist locations nationwide. PPO dentists agree to accept our approved amount as full payment for covered services - members pay only their applicable coinsurance and deductible amounts. Members also receive discounts on noncovered services when they use PPO dentists (in states where permitted by law). To find a PPO dentist near you, please visit mibluedentist.com or call 1-888-826-8152.
1 Blue Dental uses the Dental Network of America (DNoA) Preferred Network for its dental plans.
2 A dentist location is any place a member can see a dentist to receive high-quality dental care. For example, one dentist practicing in two offices would be two dentist locations.
Blue Par SelectSM Arrangement
Most non-PPO dentists accept our Blue Par Select arrangement, which means they participate with the Blues on a "per claim" basis. Members should ask their dentists if they participate with BCBSM before every treatment. Blue Par Select dentists accept our approved amount as full payment for covered services - members pay only applicable coinsurance and deductibles . To find a dentist who may participate with BCBSM, please visit mibluedentist.com.
Note: Members who go to nonparticipating dentists are responsible for any difference between our approved amount and the dentist's charge.
POST 65 DENTAL AND VISION RATES
Vision Benefit Information
Blue Vision benefits are provided by Vision Service Plan (VSP), the largest provider of vision care in the nation. VSP is an independent company providing vision benefit services for Blues members. To find a VSP doctor, call 1-800-877-7195 or log on to the VSP Web site at vsp.com.
Note: Members may choose between prescription glasses (lenses and frame) or contact lenses, but not both.