Aon Retiree Health Exchange Getting More From Your Retiree Health Options

1. Starting September 2016

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Review your announcement package for details about Aon Retiree Health Exchange When you receive your Education Packet and Appointment letter you must call or go online and confirm or reschedule your appointment.  Activate your online account after you receive your personalized appointment letter  Learn About Medicare Advantage and Medicare Supplement Plans  Learn About Prescription Drug Coverage  Get Ready to Enroll o Medicare Card o List of current Doctors o List of Prescriptions o List of your questions

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Enroll in medical, prescription drug, dental and vision plans by 12.31.2016 for your coverage to take effect on 1.1.2017. You may enroll through the Aon Retiree Health Exchange website or through your dedicated, licensed Benefits Advisor.

2.

Manage your HRA online or with the assistance of your Benefits Advisor. Once your new plan is active and you’ve paid your first premium simply access your online account through the Aon Retiree Health Exchange website and click the HRA tab to access and manage your HRA. REMEMBER: You must access the retiree’s online account in order to manage the HRA for retiree/spouse/dependent.

Starting October 2016

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Medicare Supplement Plans (Medigap) Features

A

B

C

D

F

G

K

L

M

N

Medicare Part A Coinsurance and Hospital Costs (up to 365 days after Medicare Benefits are used up)

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50%

75%

50%

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50%

75%

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50%

75%

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50%

75%

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 50%

75%

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80%

80%

Medicare Part A Deductible Skilled Nursing Facility Care Copay/Coinsurance Part A Hospice Care Coinsurance or Copayments

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Medicare Part B Deductible

Medicare Part B Coinsurance (Generally 20%)

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Medicare Part B Excess Charges Blood (First 3 Pints) Foreign Travel Emergencies (up to Plan Limits)

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80%

80%

80%

80%

A Medicare Supplement plan works side by side with your Medicare Parts A and B. For any kind of hospital or doctor care, as long as it is Medicare approved, Parts A and B pays first, and the Medicare Supplement plans pays second. You would also need to enroll into a stand alone prescription drug plan to take care of your prescription needs.

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Medicare Advantage Plans (Part C) Medicare Advantage Plans are network based plans like HMOs & PPOs Low to no monthly premiums With Medicare Advantage plans you typically have co-pays or co-insurance associated with most services Most of these are an all in one plan, covering hospital, doctor, and prescription drugs Some plans also offer very limited coverage for vision, dental, and hearing Medicare Advantage plans also have Out-of-Pocket maximums

Comparison of the Medigap Plan vs. Medicare Advantage Plan Medicare Supplement Plan (Medigap) • • • •

Medicare Advantage Plan • •

Can be higher premium/low to no cost on back end Can go to any doctor or medical facility in the country that accepts Medicare patients Does not include prescription drug benefits Most plans include foreign travel emergency coverage

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Low to no monthly premium Copays, coinsurance, and deductibles Out-of-pocket maximum Networked based: HMOs, PPOs Typically include prescription drugs Guaranteed issue – Except end stage renal disease (ESRD)

Stages of the Prescription Drug Plan

Deductible

Initial Coverage Level

The Donut Hole

Catastrophic Coverage

100% paid by Beneficiary (if applicable)

Beneficiary pays co-payments/co-insurance for each drug

Beneficiary pays a percentage of the generic and brand name drug cost

Beneficiary pays a small co-payment for each drug for the remainder of the year (Catastrophic HRA)

All Part D Prescription drug plans and Medicare Advantage plans work under the same basic structure, which is shown in this chart. The Part D prescription drug plans were first implemented back in 2006, along with the Donut Hole. Each year since 2010 the Donut Hole has been slowly closing, which is a good thing financially for you, and by 2020 the Donut Hole will be fully closed.

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Your Spending Account (YSA) Quick Reference Guide Terminology Managing Your HRA

Definition

YSA

Your Spending Account™

HRA

Health Reimbursement Account

Premium AutoReimbursement

Automatic monthly repayment of premiums

Premium AutoReimbursement Form

Document to be used only if you select Option B, “hands-on” reimbursement approach

Manual Claim Form

Used for expenses other than premiums – e.g., copayments, co-insurance, or deductibles

Paper Check

Default form of payment for reimbursement (if you do not set up direct deposit)

Direct Deposit

Reimbursement form of payment via checking or saving account. You can set this up when your HRA account is effective by going to you online account or by calling Aon Retiree Health Exchange

Managing your HRA using Option A or Option B will be explained in the “Welcome to Your Spending Account” mailing you will be receiving in December 2016 Your reimbursement will be “hands-off” (Option A—no action needed) or “hands-on” (Option B—see below) Option B Only (for those who cannot wait the “up to 60 days” for the initial reimbursement)

How to Submit Forms to YSA for Premium Auto-Reimbursement 1. Go to retiree.aon.com/argonne 2. Select the “My Account” tab at the top of the page 3. Log on with your username and password 4. Click on “The HRA” tab on the left-hand side 5. Click on

Manage My Argonne Account

6. Click “Get Reimbursed” 7. Choose either “Upload” or “Fax or mail”

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How Do Reimbursements Occur? Auto-Reimbursement *For carriers that offer Auto Premium Auto-Reimbursement What actions do I take? None—Premium reimbursement will be automatic How long will it take to receive my first reimbursement? 6-8 weeks from coverage effective date • For faster reimbursement, you may use the Premium Auto Reimbursement claim form process When will I receive my reimbursements on-going? Reimbursement will be processed on the 5th business day of each month What happens when my premium changes? Reimbursement is updated automatically within 60 days What are the premiums supported by Auto-Reimbursement? Medical Premiums, Prescription Drug Premiums, & Dental Premiums What if my premium for a Prescription drug plan or Medicare Advantage plan is deducted from my social security check? Social Security deductions from your social security check could take up to 60-90 days. Reimbursements follow the same time frame. Auto-Reimbursement Claim Form *For Carriers the DO NOT offer Premium Auto-Reimbursement What actions do I take to have my premium reimbursed? Submit claim form after 1.1.2017 How long will it take to receive my first reimbursement? Your claim will be processed within 5-10 business days from the date claim form and appropriate proof of payment is received When will I receive my reimbursement on-going? Premium reimbursements will be processed on the 5th business day of each month What happens when my premium changes? Submit new claim form with proof of new payment What Premiums are supported? Medical Premiums, prescription drug premiums, dental premiums, & Medicare Part B premiums 6

HRA Process

Participant Pays health insurance premiums directly to insurance carrier

Insurance Carrier Reports medical/Part D premium payments to the Aon Retiree Health Exchange

HRA Reimburses participant for premiums and other eligible out-of-pocket expenses

Participant Submits for reimbursement of out-of-pocket expenses such as co-pays or co-insurance

Participant Note: For those who are eligible to receive an HRA

Questions? Please recognize that Argonne will no longer be able to answer questions related to plan options or your coverage under the individual plans(s) you select. For specific questions about plans and premiums in your area, talk with your Benefits Advisor during your prescheduled telephone appointment. For general information, please call the Aon Retiree Health Exchange service center at 1-844-689-7831 (TTY use 711 RELAY). Representatives are available Monday through Friday 8 a.m. to 8 p.m. Central time.

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