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Medicare 101 andAsante’s RegenceMedicare Retiree GroupPlansPresented by: Jenny StarkAsante Medicare Specialist Group Retiree Plans 2020 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Understand Original Medicare Original Medicare – How It WorksAgenda When Can You Enroll in Medicare Two Ways to Get Additional Coverage Asante’s Regence Medicare Retiree GroupPlans2 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Step 1:UnderstandOriginal Medicare3 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Individuals who are 65 and olderIndividuals who are citizens of the UnitedStates or a permanent residentIndividuals who are under 65 with adisability and have been receiving 24months of Social Security Disability incomeWho Qualifies for Medicare?4 2021 Regence. All rights reserved. Private and confidential.Individuals of all ages with End-Stage RenalDisease (ESRD) or ALSRegence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Original MedicarePart A – HospitalAdministered by the U.S.federal governmentPart B – DoctorsPart C – Medicare AdvantagePlansAdministered by privateinsurance companiesPart D - Prescriptions5 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Original Medicare –How It Works6 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Medicare Part AHospital Insurance – premium is 0 for most peopleWhat Part A helps to cover: Inpatient care in hospitals Skilled nursing facilities Hospice care Home health care servicesYour share of the Part A costs in 2021: 1,464 Part A deductible 371 per day copay for days 61-90 742 per day copay for days 91-150 185.50 per day copay for days 21-100 of a (SNF) stay7 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Medicare Part BMedical Insurance – premium is 148.50 for most people in 2021What Part B helps to cover: Preventive services Doctor office visits Outpatient surgery Lab tests and x-rays Diabetic testing supplies Durable medical equipment Part B drugs (such as chemotherapymedications)8 2021 Regence. All rights reserved. Private and confidential.Your share of the Part B costs in 2021: 203 annual deductible 20% of the Medicare-approved amount forcovered services No limit on Part B out-of-pocket costsRegence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Prescription drugs Long-term care (custodial care) Routine dental and dentures Routine vision exam and eyewear Routine hearing exam and hearing aids Most alternative careExamples of Services NotCovered by Original Medicare Fitness membership Care outside of the United States9 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

When Can YouEnroll in Medicare?10 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

When to Enroll –Enrollment PeriodsInitial Enrollment Period (IEP) 7-month window that begins 3 months before your 65th birthday month, includes the month of your 65thbirthday, and ends 3 months after your 65th birthday month Enroll through SSA.gov (if receiving Social Security before age 65, enrollment in Parts A & B is automatic) Parts A & B can begin as soon as the first day of the month you turn 65 Can enroll in Original Medicare (Parts A & B) and prescription drug plan (Part D), or you can enroll in aMedicare Advantage plan (includes both medical and drug)11 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Medicare Enrollment PeriodsIf you don’t enroll into Part B when first eligible: There may be a 10% penalty for each year you delay applying You may avoid a penalty if you or your spouse is actively working AND you are covered by an employersgroup health insurance planWorking past age 65 – Special Enrollment Period (SEP): There is an eight-month enrollment period that begins the month after your employment ends to sign upfor Part B without accruing a late enrollment penalty Your employer or HR department can provide a verification form to give to Social Security officeGeneral Enrollment Period (GEP): January 1 – March 31, for a July 1 effective date A late enrollment penalty may apply12 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Step 2: Explore YourMedicare Options13 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Two Ways to Get Additional CoverageMedicare Supplement Plan(Medigap)Part APart BHospitalMedicalMedigapPlans are identified by letters A-NPart DorYou cannot haveboth a MedicareSupplement Planand a MedicareAdvantage Plan.You must pay yourMedicare Part Bpremium whenenrolled in eithertype of plan.Medicare Advantage Plan(Part C)Part CCombines Part A, Part B Part DPrescription Additional BenefitsPrescription14 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Group Medicare AdvantageRegence Group SponsoredMedicare Advantage (Part C)Replaces Original Medicare as the primary payer of Parts A & BIncludes extra benefits such as dental, vision and hearing aid coveragePortable – you can live anywhere in the US and enroll onto the planInclude Prescription drug coverage (Part D)Provider network – PPO nationwide networkOne ID card for services – Medicare AdvantageEnroll any time of the yearGuarantee Issue onto a Medicare Supplement if you decide to make a change in thefuture15 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Asante2022 RegenceGroup MedicareRetiree PlansRegence MedAdvantage Rx Primary (PPO) 0 per monthRegence MedAdvantage Rx Classic withComprehensive Dental (PPO) 60 per month16 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Available to Medicare eligible retirees,spouses and dependentsEligibility RulesMust be enrolled onto Medicare Part A andPart B17 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Blue Medicare Advantage PPO Network Members can travel and live anywherenationwide No referrals required Available in 47 states, Washington D.C.,Puerto Rico and the U.S. Virgin Islands Outside the Blue Medicare Advantage PPONetwork, retirees get in-network benefitswith providers who accept MedicareFor details please visit:regence.com/medicare/providers18 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

AsanteRegence PlansMedical DeductibleOut-of-pocket MaximumOut-of-network19 2021 Regence. All rights reserved. Private and confidential.MedAdvantage Rx Primary (PPO)MedAdvantage Rx Classic (PPO) 0 premium per month 60 premium per month 0 0 5,900 in-network 5,500 in-network 10,000 out-of-network 10,000 out-of-network(combined with in-network)(combined with in-network)30% for most services30% for most servicesRegence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

AsanteRegence Plans20MedAdvantage Rx Primary (PPO)MedAdvantage Rx Classic (PPO) 0 premium per month 60 premium per monthPrimary Care Physician 5 0Specialist Physician 45 40Virtual Doctor Visits (Telehealth)MDLive 5 0 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

AsanteRegence PlansOutpatient SurgeryAmbulatory Surgical Center (ASC)Outpatient SurgeryHospitalInpatient Hospital21 2021 Regence. All rights reserved. Private and confidential.MedAdvantage Rx Primary (PPO)MedAdvantage Rx Classic (PPO) 0 premium per month 60 premium per month 300 225 350 300 400 per day (days 1-4) 350 per day (days 1-4)Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

AsanteRegence PlansWorldwideCoverage22MedAdvantage Rx Primary (PPO) MedAdvantage Rx Classic (PPO) 0 premium per month 60 premium per monthUrgent Care 45 40Emergency 90 90Ambulance 275 275 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

AsanteRegence PlansMedAdvantage Rx Primary (PPO) MedAdvantage Rx Classic (PPO)Acupuncture & ChiropracticNaturopathy10 visits per yearMassage Therapy6 visits per year23 2021 Regence. All rights reserved. Private and confidential. 0 premium per month 60 premium per month 2018 combined visits per year 2024 combined visits per year 5 0 20 20Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

AsanteRegence PlansHearing Exam TruHearing Hearing Aids TruHearing 24 2021 Regence. All rights reserved. Private and confidential.MedAdvantage Rx Primary (PPO)MedAdvantage Rx Classic (PPO) 0 premium per month 60 premium per month 0 in-network 0 in-network 699/ 999 per hearing aid 699/ 999 per hearing aidRegence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

AsanteRegence PlansMedAdvantage Rx Primary (PPO) MedAdvantage Rx Classic (PPO)Vision Exam VSP Vision Hardware VSP Once per year25 2021 Regence. All rights reserved. Private and confidential. 0 premium per month 60 premium per month 0 in-network 0 in-networkFrames or Contacts: 100 allowance per yearLenses: 0 in-networkRegence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

AsanteRegence PlansMedAdvantage Rx Primary (PPO) MedAdvantage Rx Classic (PPO)Preventive Dental2 visits per year 0 premium per month 60 premium per month 0 0Not Covered50% coinsurance 1,000 annual maximumNO WAITING PERIODComprehensive DentalComprehensive dentalClass ll: Fillings, endodontics, periodontics, oralsurgeryClass lll: Crowns, dentures,bridges, implants26 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association

Part D PrescriptionDrug Coverage 2021 Regence. All rights reserved. Private and confidential.Regence BlueCross BlueShield of Oregonis an Independent Licensee of the Blue Cross and Blue Shield Association