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Early Retiree Medical Plan (Non-Medicare Eligible Plan)HighlightsThe provisions of this section are generally effective May 1, 2012. For information on coverage and benefits priorto May 1, 2012, please refer to the 2011 Summary Plan Description.Depending on your age at retirement, you may have the option to continue many of your Turner Benefits. Turner offersEarly Retiree Medical Benefits to help you with the cost of medical care for yourself and your eligible dependents as long asthey are not Medicare-eligible. For a period of time, you’ll also have the option of continuing your dental and visioncoverage, as well as Health Care Flexible Spending Account (FSA) contributions, through COBRA (see page 173).Plan OverviewMedical Care If you retire at age 55 with at least 15 years of service and are not eligible forMedicare, you may continue your coverage under medical options similar to those thatwere available to you as an active employee. Once you become eligible for Medicare,you are eligible for the Towers Watson OneExchange If you retire at age 65 or later with at least 6 years of service, you areeligible for coverage under the OneExchange Program. For employees hired on or after August 1, 2010, only years of service earned afterage 30 will be considered for purposes of determining retiree medical eligibility.Dental Assistance PlanYou may be eligible to purchase dental coverage under COBRA (see page 177).Vision PlanYou may be eligible to purchase vision coverage under COBRA (see page 177).Employee AssistanceYou must be an active employee to participate in the EAP.Program (EAP)Please refer to the Administrative Information section of this Summary Plan Description for additional information on claimsprocedures, plan administration, your rights under the plan, and Turner’s rights under the plan, including the ability toamend or terminate the plan or any component of it at any time in accordance with applicable law and the discretion tointerpret all plan documents and make factual determinations. If there is a conflict between this Summary Plan Descriptionand the official plan documents, the plan documents will govern. Once you become Medicare eligible, (you turn age 65 or you meet the eligibility requirements before age 65 due todisability), Medicare will become your primary medical coverage. This means when you have medical claims,Turner’s Retiree medical plan will process your medical claims under the assumption you have enrolled in MedicareParts A & B. If you or one of your dependents become eligible for Medicare before age 65, you will no longer be eligible forTurner’s Early Retiree Medical plan. Please contact the Benefit Service Center so that we can help move you or yourMedicare eligible dependents to our OneExchange Program. It is your responsibility at that time to enroll in MedicareParts A & B. If you die while you are covered under Turner’s Early Retiree Medical plan, your surviving spouse or RegisteredDomestic Partner will remain eligible for coverage during his or her lifetime. Your dependent children will also remaineligible as long as they continue to meet the plan’s eligibility requirements. Please refer to your Summary PlanDescription online at www.turnerbenefits.com for more details on eligibility. If you elect to drop or discontinue coverage under Turner’s Early Retiree Medical plan, you will not be able to re-enrollat a later date.If You Are Approaching Medicare Eligibility – or Are Already Medicare EligibleYou generally become eligible for Medicare when you reach age 65. See www.medicare.gov for other times, such asTurner Benefits 2016147
when you become disabled, that you might become eligible for Medicare. If you are eligible for Medicare, you will beeligible to enroll with our partner, OneExchange, who helps you select the best Medicare Supplement plan option for you.The OneExchange Model is designed to supplement the benefits provided by Medicare Parts A & B. You will have morechoice, better coverage, and greater financial flexibility as a Medicare-eligible retiree.You will receive information about the OneExchange Program approximately 90 days prior to becoming Medicare- eligiblebased on your age. If you or one of your dependents become eligible for Medicare before age 65, you must contact theBenefits Service Center so that we can help move you or your Medicare-eligible dependents to our OneExchangeProgram.Those who become eligible for Medicare must enroll in Medicare Parts A & B, which will become the primary medicalcoverage. You can learn more about Medicare coverage on the Medicare website, www.medicare.gov or call1-800-MEDICARE (1-800-633-4227) to speak to a Medicare Customer Representative. Those not yet eligible forMedicare can remain covered under one of Turner’s non-Medicare retiree plans until they become Medicare- eligible.Your ChoicesWhen you notify your local Human Resources representative and the Benefits Service Center that you intend to retire, theBenefits Service Center will send you personalized retirement benefits information that will help you choose from thevarious options you may have, including: Enrolling in the Early Retiree Medical Plan Enrolling in the OneExchange Program Electing COBRA medical, dental, or vision coverageMedical Coverage CategoriesIf you enroll in the Retiree Medical Plan, you may choose coverage for: You (Retiree) You and your spouse (Retiree Spouse) You and one or more children (Retiree Child(ren)) or You and your family (Retiree Family)For a complete description of eligible dependents, refer to Your Benefit Program, beginning on page 1.For employees hired on or after August 1, 2010, only years of service earned after age 30 will be considered for purposesof determining retiree medical eligibility (including OneExchange Program).Medical Plan OptionsIf you retire at age 55 with at least 15 years of service and are not eligible for Medicare, you are eligible to continuecoverage under similar medical options to those that were available to you as an active employee. You may choosecoverage under one of the following options (see page 147 for more detailed information about any of the options): Plan 1 and Plan 2 are Preferred Provider Organization (PPO) OptionsA PPO is a pre-screened network of providers — physicians, hospitals, labs, and other medical professionals — who haveagreed to provide services at lower, pre-negotiated rates as an incentive to be selected by Turner employees. You can useany provider you choose, but you generally receive a higher level of benefits when you use in-network providers. Plan 3 is a High Deductible Health Plan (HDHP) with Health Reimbursement Account (HRA). Plan 3 gives youaccess to the same network of doctors and health care providers as Plan 1 and Plan 2, but has higher deductiblesand out-of-pocket costs than Plan 1 or Plan 2. However, Plan 3 includes a Health Reimbursement Account (HRA) tohelp you pay for “up front” medical expenses such as deductibles and office visit copays. No Coverage. If you do not elect coverage at the time you retire — or if you discontinue coverage any time after youretire — you will not be able to re-enroll in medical coverage at a later date.If you retire at age 55 with at least 15 years of service or at age 65 with at least 6 years of service and you are eligible forMedicare, you are eligible for coverage under the OneExchange Program. This plan is designed to supplement thebenefits provided by Medicare Parts A & B. You must enroll in both Part A and Part B to receive full benefits under theOneExchange Program.Turner Benefits 2016148
When you or one of your dependents becomes eligible for Medicare, that person is automatically eligible for theOneExchange Program and you must notify the Benefits Service Center. All remaining participants will continue in theircurrent coverage.If you elect to drop or discontinue coverage — you will not be able to re-enroll in Retiree Medical Coverage at alater date.Turner Benefits 2016149
Medical BenefitsMedical Care for Retirees Not Eligible for MedicareThe following table summarizes the benefits offered under the Plan 1, Plan 2 and Plan 3 options. You may not be eligible for all options shown.PLAN1BenefitAnnual DeductibleIn-NetworkProvider 250/person 750/familyIn-NetworkProviderNoneNot ApplicableTurner’s Contributionto HRAAnnual Out-of PocketMaximumOut-of-NetworkProvider 500/person 1,500/family 5,000/person1 10,000/family1 2,500/person 5,000/familyOut-of-NetworkProvider 500/person 1,500/familyNot Applicable 1,000/person 2,000/familyUnlimitedLifetime BenefitMaximumPLAN3PLAN2 5,000/person1 10,000/family1In NetworkProvider 1,000/person 3,000/familyOut-of-NetworkProvider 2,000/person 6,000/family 500 – Employee 1,000 – Employee Spouse 1,000 – Employee Child(ren) 1,500 – Employee Family 3,000/person1 6,000/family1Unlimited 4,000/person1 12,000/family1UnlimitedHospital CareInpatient HospitalCharges290% afterdeductible70% of EligibleExpensesafter deductible100%70% of EligibleExpensesafter deductible90% afterdeductible70% of EligibleExpensesafter deductibleOutpatient Charges90% afterdeductible70% of EligibleExpensesafter deductible100%70% of EligibleExpensesafter deductible90% afterdeductible70% of EligibleExpensesafter deductibleAmbulance390% no copay90% no copay100% no copay100% no deductible90% afterdeductible90% of EligibleExpensesafter deductibleEmergency Roomand Physician3 200 copay;waived if admitted 200 copay; waivedif admitted 200 copay 200 copay90% afterdeductible90% of EligibleExpenses afterdeductibleEmergency CareTurner Benefits 2016150
PLAN2PLAN1BenefitOffice Visit forDiagnosis, Care ut-of-NetworkProvider70% of EligibleExpenses 15 copay4after ist: 15 copay4Specialist: 25 copay4Out-of-NetworkProvider70% of EligibleExpensesafter deductible100% no copayIn NetworkProviderNon-specialist: 20 copay;Specialist:Out-of-NetworkProvider70% of EligibleExpenses afterdeductible 35 copay4 25 copay4Wellness/PreventiveCare Visits5PLAN370% of EligibleExpensesdeductible waived100% no copay70% of EligibleExpensesdeductible waivedNo copay70% of EligibleExpensesdeductible waivedWell-Baby Care(until age 6) andImmunizations5100% no copay70% of EligibleExpensesdeductible waived100% no copay70% of EligibleExpensesdeductible waivedNo copay70% of EligibleExpensesdeductible waivedAllergy InjectionsNo copay70% of EligibleExpensesNo copay70% of EligibleExpensesNo copay70% of EligibleExpenses afterdeductibleEmployee AssistanceProgramMental HealthServicesafter deductibleEligible employeesand dependents90%Inpatient &Outpatient:after deductibleEligible employeesand dependents100%70% of EligibleExpensesInpatient Drug/Alcohol Rehab90%after deductible70% of EligibleExpensesafter deductibleTurner Benefits 2016Inpatient &Outpatient:Eligible employeesand dependents90% afterdeductible70% of EligibleExpenses100%after deductible70% of EligibleExpensesafter deductibleInpatient &Outpatient:70% of EligibleExpenses90% afterdeductibleafter deductible70% of EligibleExpensesafter deductible151
PLAN1BenefitOutpatient Drug/Alcohol RehabIn-NetworkProvider 15 copayOut-of-NetworkProvider70% ofEligibleExpensesPLAN2In-NetworkProvider 10 copayafter deductibleMaternity OfficeVisits 15 copay for 1stvisit only; then 90%after deductible6Maternity Delivery90% afterdeductibleChiropractic 25 copayspecialist;Limit 25 visits/yearOut-of-NetworkProvider70% ofEligibleExpenses 10 copay for 1stvisit only; then100%670% of EligibleExpensesafter deductible70% of EligibleExpenses100% no copayafter deductible70% of EligibleExpensesLimit 25 visits/yearIn NetworkProvider 20 copayafter deductible70% of EligibleExpensesafter deductible70% of EligibleExpensesafter deductible;PLAN3 10 copay;Limit 25 visits/yearafter deductible70% of EligibleExpenses afterdeductible;Out-of-NetworkProvider70% ofEligibleExpensesafter deductible 20 copay for 1stvisit only; then 90%after deductible790% afterdeductible 35 copay;Limit 25 visits/yearLimit 25 visits/year70% of EligibleExpensesafter deductible70% of EligibleExpensesafter deductible70% of EligibleExpenses afterdeductible; Limit25 visits/yearPrescriptionsRetail Pharmacy 5 – Tier 1 30 – Tier 2 60 – Tier 370% of EligibleExpensesafter deductible 5 – Tier 1 30 – Tier 2 60 – Tier 370% of EligibleExpensesafter deductible 5 – Tier 1 30 – Tier 2 60 – Tier 370% of EligibleExpensesafter deductibleMail-Order Program 10 – Tier 1 60 – Tier 2 120 – Tier 3Not Available 10 – Tier 1 60 – Tier 2 120 – Tier 3Not Available 10 – Tier 1 60 – Tier 2 120 – Tier 3Not Available1Copays for physician services do not count toward the out-of-pocket maximum.A 250 penalty is applied if Personal Health Support is not notified. Call 1-877-632-2273.3Must qualify as a true medical Emergency to receive the coverage amount in this chart.4Each visit to a physician’s office is subject to the copay amount, without regard to the number of services performed.5Based on recommended benefits set out by the U.S. Preventive Services Task Force.6Excludes separate visits for lab and X-ray services.2Turner Benefits 2016152
Coverage OptionsUnder Plan 1, Plan 2, and Plan 3 you have access to a network of doctors, hospitals, and other medical providers whohave agreed to provide services at a negotiated cost. You receive a higher level of benefits when you use networkproviders.The plans also give you the flexibility to use providers outside of the network. When you use out-of-network providers,most expenses are reimbursed at a lower level. You may use both in network and out-of-network providers for thesame medical condition.Along with the flexibility to choose which providers are in-network or out-of-network each time you need care, youalso have more responsibility for knowing which providers are in the network. You will not have a Primary CarePhysician referring you to in-network doctors, so it is up to you to do your own planning and screening.You can find a provider directory to help you through this process by going online to www.turnerbenefits.com, clickingon the link to “Benefits Providers” and then going to the United Healthcare website.When visiting a foreign country, you are generally covered on the same basis as if you were visiting out-of- networkproviders in the U.S.Plan 1Each time you receive medical care, you choose either an in-network or an out-of-network provider. When you use in-network providers, you will pay a copay for office visits. Most other eligible in-networkservices are paid at 90% after your in-network deductible of 250 per person or 750 for a family. When you use out-of-network providers, the plan generally pays 70% of eligible expenses after you meetyour out-of-network deductible of 500 per person or 1,500 for a family.Plan 2Each time you receive medical care, you choose either an in-network or an out-of-network provider. When you use in-network providers, you will pay a copay for office visits. The plan pays 100% of most othereligible in-network services. There is no in-network deductible. When you use out-of-network providers, the plan pays 70% of eligible expenses after you meet yourout-of-network deductible of 500 per person or 1,500 for a family.Plan 3Plan 3 has many features in common with Plan 1 and Plan 2, including access to the same network of providers. Youmust pay a high annual deductible before receiving benefits under Plan 3. When you choose this plan, Turner alsoprovides you with a Health Reimbursement Account (HRA) to help you pay part of that deductible as well as some ofyour eligible medical expenses that would not otherwise be covered under Plan 3. The amount you receive dependson your coverage level (see page 25). In addition, when you use in-network providers, Plan 3 pays 100% of annualwellness exams and some preventive care expenses — without reducing your HRA.When you use in-network providers, payment for your eligible medical expenses is automatically deducted from yourHRA until you have used the entire account. When you use out-of-network providers, you may need to pay theprovider and file a claim for reimbursement from your HRA.If you spend the entire amount in your HRA during the year, you will be responsible for 100% of anyadditional medical expenses you have during the year — until you reach your Plan 3 deductible. When youuse in network providers, your Plan 3 annual deductible will be 1,000 per person or 3,000 for a family. If you useout-of-network providers, you must pay an annual deductible of 2,000 per person or 6,000 for a family.After you reach your deductible, the plan begins paying benefits for your eligible expenses. (You may want to setaside pre-tax dollars in your Health Care Flexible Spending Account to help you pay the difference between yourHRA and your deductible.) If you don’t use all of the HRA money in your account, whatever is left at the end of theyear rolls over to your HRA for the next year, for as long as you participate in Plan 3.Health Reimbursement Account (HRA) (Plan 3 only)Turner contributes funds to your HRA each year based on the coverage level you select.Turner Benefits 2016153
CoverageLevelEmployee OnlyTurner’s AnnualHRA Contribution 500Employee Spouse 1,000Employee Child(ren) 1,000Employee Family 1,500If you increase your coverage level, an additional amount will be placed in your HRA. The increase will be proratedmonthly based on the difference between the amount that was placed in your HRA at the beginning of the year andwhat would have been placed in your account if you had elected the additional coverage at that time.For example, if you had enrolled for Employee Only coverage on January 1 and you change to Employee Spousecoverage effective July 1, an additional 250 (6/12 of 500) will be placed in your HRA. In addition, if your coveragelevel changes on 7/14, then it would retro back to first of the month so in this case would be 7/1. If you decrease yourcoverage level, the amount placed in your HRA for the year will be prorated based on the effective date of the change.You can use your HRA funds to pay for eligible medical expenses such as deductibles, office visit copays, and mostother out-of-pocket medical expenses (but not prescription drug copays). Long-term care expenses cannot bereimbursed with HRA funds.As long as you have money in your account, you have two ways to access your HRA funds: Use your Consumer Accounts Card (see page 84), which will automatically debit your HRA balance at the pointof purchase, or Ask your provider to submit a claim. You will then be reimbursed from your HRA if funds are available.If you don’t spend your entire HRA during the year, the unused portion will roll over and be added to your HRA for thenext year — as long as you participate in Plan 3. If you do not enroll in Plan 3 for the next year, you will not be able toaccess any balance remaining in your HRA. However, if you move back to Plan 3 the following year, you will againhave access to that unused portion of your HRA.For example, suppose you enrolled in Plan 3 in 2015 and had money left in your HRA at the end of the year. If youenroll in Plan 2 in 2016, you will not have access to your unused 2015 HRA dollars during 2016. However, if you moveback to Plan 3 in 2017, you will have access to your new HRA for 2017 as well as any unused portion of your 2015HRA.If your employment terminates for any reason, any remaining funds in your HRA will be forfeited and you will NOThave access to these funds. If you incur a claim prior to your termination, you must submit that claim within two yearsfrom the date of service. If you retire from Turner and continue in Plan 3 through the Early Retiree Medical Plan, anyremaining unused balance will carry over, as long as you are enrolled in Plan 3.If you have an HRA and a Health Care Flexible Spending Account (FSA), funds will be deducted from your
eligible to enroll with our partner, OneExchange, who helps you select the best Medicare Supplement plan option for you. The OneExchange Model is designed to supplement the benefits provided by Medicare Parts A & B. You will have more choice, better coverage, and greater financial fle
