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Medicare 101Asante’s Regence MedicareRetiree Group PlansMedSavvyPresented by: Jenny Stark, Regence Medicare Sales Executiveand Melissa Coe, Regence Senior Account Executive 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Step 1:UnderstandOriginal Medicare2 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

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?3 2020 Regence. All rights reserved. Private and confidential.Individuals of all ages with End-Stage RenalDisease (ESRD) or ALSRegence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Original MedicarePart A – HospitalAdministered by the U.S.federal governmentPart B – DoctorsPart C – Medicare AdvantagePlansAdministered by privateinsurance companiesPart D - Prescriptions4 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Original Medicare –How It Works5 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Medicare Part AHospital InsuranceWhat 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 deductible for days 1-60 eachbenefit period 371 per day copay for days 61-90 ofhospitalization 742 per day copay for days 91-150 ofhospitalization 185.50 per day copay for days 21-100 ofa (SNF) stay6 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Medicare Part BMedical InsuranceWhat 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)7 2020 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 health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

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 States8 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

When Can YouEnroll in Medicare?9 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

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)10 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

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 plan (your employer or HR department can provide a verification form to give toSocial Security office)Working 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 penaltyGeneral Enrollment Period (GEP): January 1 – March 31, for a July 1 effective date A late enrollment penalty may apply11 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Step 2: Explore YourMedicare Options12 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

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 BenefitsPrescription13 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Asante’s Employer Retiree Group Medicare AdvantageREGENCE EMPLOYER RETIREE GROUPMEDICARE ADVANTAGE Replaces Original Medicare as the primary payer of Parts A & B Includes extra benefits such as dental, vision and hearing aid coverage Portable – you can live anywhere in the US and enroll onto the plan Include Prescription drug coverage (Part D) Provider network – PPO nationwide network One ID card for services – Medicare Advantage Enroll any time of the year Guarantee Issue onto a Medicare Supplement if you decide to make a change in the future14 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Available to Medicare eligible retirees,spouses and dependentsEligibility RulesMust be enrolled onto Medicare Part A andPart B15 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Asante2021 RegenceGroup MedicareRetiree PlansRegence MedAdvantage Rx Primary (PPO) 0 per monthRegence MedAdvantage Classic Rx (PPO)with Comprehensive Dental 60 per month16 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

Blue MedicareAdvantage PPONetwork Members can travel and live anywherenationwide No referrals needed Blue Medicare Advantage PPO NetworkProgram available in 43 states Outside the Blue Medicare Advantage PPONetwork, retirees get in-network benefitswith providers who accept Medicare Worldwide urgent, emergency andambulance coverage Find a provider at: bcbs.com/find-a-doctor 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

AsanteRegence PlansMedical DeductibleOut-of-pocket MaximumOut-of-network18 2020 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)50%50%Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

AsanteRegence Plans19MedAdvantage 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 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

AsanteRegence PlansMedAdvantage Rx Primary (PPO) MedAdvantage Rx Classic (PPO)Outpatient SurgeryAmbulatory Surgical Center (ASC)Outpatient SurgeryHospitalInpatient Hospital20 2020 Regence. All rights reserved. Private and confidential. 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 health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

AsanteRegence PlansWorldwideCoverage21MedAdvantage Rx Primary (PPO) MedAdvantage Rx Classic (PPO) 0 premium per month 60 premium per monthUrgent Care 45 40Emergency 90 90Ambulance 275 275Diagnostic Lab 20 10X-ray 20 10 2020 Regence. All rights reserved. Private and confidential.Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

AsanteRegence PlansMedAdvantage Rx Primary (PPO) MedAdvantage Rx Classic (PPO)Acupuncture & Chiropractic24 combined visits per yearNaturopathy10 visits per yearMassage Therapy6 visits per year22 2020 Regence. All rights reserved. Private and confidential. 0 premium per month 60 premium per month 20 20 5 0 20 20Regence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington

AsanteRegence PlansMedAdvantage Rx Primary (PPO) MedAdvantage Rx Classic (PPO)Hearing Exam TruHearing Hearing Aids TruHearing Vision Exam VSP Vision Hardware VSP Once per year23 2020 Regence. All rights reserved. Private and confidential. 0 premium per month 60 premium per month 0 0 699/ 999 per hearing aid 699/ 999 per hearing aid 0 in-network50% out-of-network 0 in-network50% out-of-networkFrames or Contacts: 100 allowance per year in or out-of-networkLenses: 0 in-network, 50% out-of-networkRegence health plans are Independent Licensees of the Blue Cross and Blue ShieldAssociation serving members in Idaho, Oregon, Utah and select counties of Washington