Medicare Eligible Participants And Medicare Eligible Dependents

Effective, January 1, 2021, the Lake County Indiana NECA–I.B.E.W. Health and Benefit Plan is converting its medical and prescription drug plans for Medicare-eligible participants into the following:

  • An insured Medicare Advantage plan through UnitedHealthcare® for medical benefits;
  • An insured Medicare prescription drug (Part D) plan through UnitedHealthcare with supplemental coverage through Sav-Rx.

Medicare Advantage Plans are approved by Medicare and administered by private companies (usually insurance companies). They provide all of your original Medicare Part A (hospital) and Part B (medical) benefits and may include Medicare Part D (prescription drug) benefits, along with some additional benefits, too.

The specific plan that the Board of Trustees have selected, and the Plan will enroll you into is the United Healthcare Group Medicare Advantage (PPO) plan. For more information concerning what benefits you will be entitled to receive, please click upon www.uhcvirtualretiree.com/ra or call 1-844-481-8820.

Be advised that Medicare Advantage programs have provider networks, but you are not limited to utilizing network providers. As long as your provider accepts Medicare, then they will be reimbursed up to the full amount of the Medicare allowance for any covered services provided.

Further, participants do not have to file claims under these programs—the insurer that is providing the coverage pays providers the regular Medicare benefit plus whatever additional benefits it offers.

BENEFITS PRROVIDED BY THIS PLAN’S MEDICARE ADVANTAGE PROGRAM

Unless stated otherwise, the benefits that you would be entitled to receive are those that are explained within the Medicare Advantage Plan Guide 2021. This document was mailed to you in the month of October of 2020 and/or before your retirement. If you have misplaced your handbook and want to find out more about this program you can:

  • Access United HealthCare’s virtual educational center at: www.uhcvirtualretiree.com/ra or,
  • Request another handbook by calling: 1-844-481-8820

ADDITIONAL BENEFITS PROVIDED BY THE PLAN

  1. Dental benefits – Retirees and any eligible dependents dental benefit will be limited to $750.00 per family per calendar year. The Plan will pay seventy-five percent (75%) of the charged amounts for allowable dental expenses up to the maximum annual and family allowance.
  2. Vision benefits – With the exception that retired participants may opt for a pair of safety glasses in lieu of regular frames once every twenty-four (24) months, retirees have the exact same benefits as those of an active participant.

MEDICARE ELIGIBLE PARTICIPANTS AND MEDICARE ELIGIBLE DEPENDENTS WILL NOT BE ENTITLED TO THE FOLLOWING BENEFITS

  • Any short-term disability benefits.
  • The Lake County Indiana, NECA – I.B.E.W. Health and Benefit Plan Fitness Membership Stipend.
  • The Plans Grand Rounds benefit.
  • The Plans Teladoc benefit.

IMPORTANT REMINDER

  • Retired participants who lose their eligibility under the Plan will not be allowed to re-enroll at a later time.
  • If you or your dependents are not enrolled in both Medicare Parts A and B when first eligible, your eligibility for benefits with the Lake County Indiana, NECA – I.B.E.W. Health and Benefit Plan will be terminated.