WIXLIB

2018 Retiree Open EnrollmentBenefits BriefingPresented to: RetireesNovember 1, 2017LLNL-PRES-740779This work was performed under the auspices of the U.S. Department of Energy by Lawrence LivermoreNational Laboratory under contract DE-AC52-07NA27344. Lawrence Livermore National Security, LLCLiza HahlbeckBenefits CounselorLawrence Livermore National Laboratory

Agenda Open Enrollment Dates Communications Who Handles Your Enrollment? What Actions Can You Take? Who is Eligible for Coverage? Review of LLNS benefits- Dental, Vision & Legal- Non-Medicare Medical Plans- Medicare Administrative Notes ContactsLLNL-PRES-7407791

Open Enrollment Dates October 16 – November 10 (through Empyrean)- For Dental, Vision and Legal plans- For non-Medicare medical plans- For Kaiser Permanente Senior Advantage (Medicare) October 15 – December 7 (through OneExchange)- For Medicare eligible retirees and dependents not enrolled inKaiser- Shop around for Medicare supplement plans and Rx plansTake away or calloutLLNL-PRES-7407792

CommunicationsLLNL-PRES-7407793

Who Handles Your Enrollment?Empyrean handles1. Non-Medicare medical plans2. Kaiser Senior AdvantageDentalMedicalOneExchange handlesEmpyreanVisionLegal1. Individual Medicare plans2. Kaiser Medicare plans outside CAAdditionally, Empyrean handles‐ Dependent eligibility‐ Address changes‐ HRA eligibilityLLNL-PRES-7407794

What Actions Can You Take? Change to a different medical plan Change to a different dental plan (California only) Suspend your coverage (opt out) Enroll in a plan if you had previously suspended coverage Enroll or cancel eligible family members Enroll or add dependents in ARAG LegalIf no changes are made during Open Enrollment, you will remain in the same plan.LLNL-PRES-7407795

Who is Eligible for Coverage? Yourself Dependents:- Spouse or Domestic Partner- Children, stepchildren, adopted children, foster children to age 26and legal wards to age 18- Verification of eligibility will be requested when first retired or whenadding a new dependentLLNL-PRES-7407796

Dental, Vision & Legal Plan OverviewTake away or callout7

Dental Plans Delta Dental PPO- Worldwide coverage (may use any dentist)- Maximum benefits with PPO Delta Dentists- 50 annual deductible- 1,700 annual maximum benefit (PPO Dentist)- 1,500 annual maximum benefit (non- PPO Dentist) DeltaCare USADifference in Networks: Delta Dental PPO –allows you to seeany licensed dentist DeltaCare USA –limits access tonetwork dentistsonly- HMO dental plan–Must use DeltaCare USA dentists only (except in emergencies)- Available in California only- Co-payments vary based on services performed- No annual maximum benefit or deductibleLLNL-PRES-7407798

Vision Plan All retirees and dependents are eligible and automaticallyenrolled Discount program if using VSP providers To locate VSP providers- Visit www.vsp.com- Call 1-800-877-7195VSP Access Plan DiscountsWell Vision Exam20% off through VSP’s national network of doctorsGlasses20% off complete pair of prescriptions glasses20% off lens options (e.g. coatings)20% off prescription sunglassesContact Lenses15% off contact lens services, excluding materialsLaser VisionCare ProgramVSP contracted laser centers provide discounts averaging15% off laser surgeryLLNL-PRES-7407799

Legal Plan Open to new enrollments in 2018 Contact Empyrean to enroll- Empyrean will bill you for the monthlypremium Preventative, domestic, consumer anddefensive legal services Telephone and in person access; onlineresources New for 2018-LLNL-PRES-740779Child Custody/Child Support AgreementElder LawInsurance DisputesSmall Claims CourtState and Local Tax Collection Defense10

Performance Measures x.x, x.x, and x.xNon-MedicareMedical Plan Overview

Non-Medicare Medical Plans Kaiser Permanente Anthem Blue Cross Plans:- Anthem Blue Cross CORE Value- Anthem Blue Cross EPO- Anthem Blue Cross Plus- Anthem Blue Cross PPORates provided by EmpyreanLLNL-PRES-74077912

Non-Medicare Medical Plans (cont.)Changes for 2018 Kaiser Permanente‐ Copay changes:– Increasing specialist office visit copay from 25 to 35– Outpatient Surgery increasing from 100 to 150 per procedure– Generic prescription drug copay increasing from 10 to 15 Anthem Blue Cross Plans:‐ No changesRates provided by Empyrean; coverage changes through EmpyreanLLNL-PRES-74077913

Comparing Non-Medicare Medical PlansRefer topage 20of theOpenEnrollmentGuideto compareNon-MedicareplansLLNL-PRES-74077914

Medicare

Becoming Medicare-eligible You can be eligible for Medicare as follows:- Normally at age 65- Before age 65 if disabled and receiving Social Security disabilitybenefits Contact Empyrean at 1-844-750-5567LLNL-PRES-74077916

Becoming Medicare-eligible (cont.) If Turning age 65- Are you eligible for Medicare? Contact Social Security Administration(SSA) to find out.– If you are currently receiving Social Security check, you will beautomatically enrolled in Part A & B and will be sent an ID card– If you are not eligible for Medicare, SSA will provide you with a letter thatyou will need to Empyrean as proof If Due to Disability- You will be notified by Social Security Administration when youbecome eligible for SSDI benefits.LLNL-PRES-74077917

Becoming Medicare-eligible (cont.) If Turning age 65- Three to four months prior to becoming 65, a letter will be sent toyou from Empyrean– Option 1: Enroll in Kaiser Senior Advantage through Empyrean– Option 2: Enroll in other individual Medicare supplement plans throughOneExchange– Option 3: Not eligible for Medicare, stay on Non-Medicare plan– Option 4: Suspend LLNS coverage and enroll through spouse’s planContact Empyrean at (844) 750-5567to confirm your selection and finalize the eventLLNL-PRES-74077918

Coverage for Non-Medicare Dependents Non-Medicare dependents will continue in same plan- LLNS continues direct contribution to the plan If enrolled in Kaiser, members will receive a termination ofcoverage letter- Do not panic – this is just a termination from the old account withthe retiree as the primary member- Dependents will be set up automatically under new primarymember account (usually the spouse or eldest child) If enrolled in an Anthem Blue Cross plan, primary memberwill change to spouse or eldest childLLNL-PRES-74077919

Medicare Coverage OptionsEmpyrean handles1. Non-Medicare medical plans2. Kaiser Senior AdvantageDentalMedicalOneExchange handlesEmpyreanVisionLLNL-PRES-7407791. Individual Medicare plans2. Kaiser Medicare plans outside CALegal20

Coverage Options Kaiser Permanente Senior Advantage (KPSA)‐ Election made through Empyrean (for California only)‐ Group plan‐ Cost is 218.50 per Medicare eligible person– Annual cost is 2,622– 172 annual out-of-pocket expense if receiving 100% LLNS contributionto HRA‐ New enrollees will need to complete a KPSA group enrollment form‐ Form must be completed and submitted to Kaiser by December 31stfor January 1, 2018 effective dateLLNL-PRES-74077921

Coverage Options (cont.) Kaiser Medicare for those outside California‐ KPSA outside of California– Available in parts of Colorado, Georgia, Hawaii, Oregon andWashington– Call Kaiser or log on to www.kp.org/Medicare– Complete and submit the enrollment form to Kaiser– Send confirmation of your enrollment to OneExchange– OneExchange will set up your HRALLNL-PRES-74077922

Coverage Options (cont.) All other coverages contact OneExchangeLLNL-PRES-74077923

Coverage Options (cont.) Zip Code 94550 Zip Code 95376LLNL-PRES-74077924

Health Reimbursement Arrangement (HRA) Must be enrolled in a Medicare plan through OneExchangeor with Kaiser Permanente Senior Advantage (throughEmpyrean) HRA maximum amount is 2,450 per Medicare-eligibleparticipant for 2018 Tax-free employer funded account Any unused amount rolls over to the next yearLLNL-PRES-74077925

Health Reimbursement Arrangement (Cont.) The HRA monies can be used to reimburse you for eligiblehealth care expenses on a tax-free basis- Expenses eligible for reimbursement:– Medicare supplement insurance premiums– Prescription drug plan premiums– Deductibles and co-pays– Medicare Part B premiums- Proof of expense will need to be provided per IRS requirements- May have to file a claim or set up auto-reimbursementLLNL-PRES-74077926

“Donut Hole” Special Payment This special payment istaxable income Kaiser does not have aMedicare Prescription DrugPlan GapLLNL-PRES-74077927

Donut Hole PaymentMedicare Prescription Drug “Coverage Gap” LLNS provides a separate fund for Prescription Drug gap‐ To be eligible for the “Donut Hole” special payment you must beenenrolled in a medical plan through OneExchange‐ Each Medicare eligible participant is eligible for this payment‐ The gap covers drug costs from 3,750 to 5,000– Maximum lump sum payment is 2,500 (50% of the 5,000),prorated based upon month in which donut hole gap is reached Payment is taxable; you will receive a 1099-RDoes not apply to Kaiser Permanente Senior AdvantageLLNL-PRES-74077928

Administrative NotesBilling Billing by Empyrean‐ Billed on the 15th of the month forthe following month‐ Invoice mailed to address on record‐ Amount due by 1st of followingmonth; grace period is end of thefollowing month‐ If terminated due to non-payment,all benefits are terminated; cannotre-enroll‐ Sign up for Direct Debit(Recommended)LLNL-PRES-74077929

Administrative NotesKaiser HRA Automatic Payments from HRA to Empyrean‐ Authorization for 2018 must be given tocontinue automatic payments– Current 2017 authorization end‐ Two ways to provide authorization1. Kaiser will attempt outbound calls from Novemberto December; give authorization to representative2. Call Kaiser HRA Payment CenterKaiser HRA Payment Center1-877-761-3399LLNL-PRES-74077930

Administrative NotesAddress Change Who to contact when you change your address:1. Pension Administrator UC Retirement CalPERS LLNS Pension Plan2. Empyrean 1-844-750-5567 Empyrean will notify the dental, vision, legal plan & OneExchange3. Your Medicare Supplement planLLNL-PRES-74077931

Administrative NotesConfirmation Statement If you make a change - You will receive a Confirmation Statement from– Empyrean– OneExchange Review it and confirm the information is correctLLNL-PRES-74077932

ange.com/llnsKaiser HRAPayment Center(877)761-3399www.kp.org/healthpaymentLLNS ov/33

Legal Disclosures While this presentation and the oral statements of Plan representativesare meant to be accurate, the actual Plan documents and relevant lawswill govern at all times. In response to legal and contract requirements, market changes, etc.,LLNS reserves the right to amend or terminate benefits at any time. This material has been prepared for informational purposes only. It isnot intended to provide, and should not be relied upon for accounting,legal, investment, or tax advice. Contact your accountant, attorney, andor financial advisor for such advice. Content of this presentation is valid as of date of presentation to expireDecember 31, 2018.LLNL-PRES-74077934

Thank you!Liza Hahlbeck, GBALLNL-PRES-74077935

–Option 2: Enroll in other individual Medicare supplement plans through OneExchange –Option 3: Not eligible for Medicare, stay on Non-Medicare plan –Option 4: Suspend LLNS coverage and enroll through spouse’s plan 18 Becoming Medicare-eligible (cont.) Contact Empyrean at (844)