2013 retiree benefits annual enrollment - merck retirees 2013 retiree guide_092512fin… · 2013...

2013 Retiree Benefits Annual EnrollmentFOR LEGACY SCHERING-PLOUGH RETIREES

Welcome to the 2013 Retiree Benefits Annual EnrollmentOCT. 19, 2012—NOV. 9, 2012

October 2012

Since the merger of Merck and Schering-Plough, we’ve been working to integrate every aspect of our business, including the benefits offered to our existing and future retirees. Earlier this year, we finished our review of our retirement benefits offerings and as a result, have harmonized our 2013 retiree health care coverage.

To help you prepare and plan, we provided you with an overview of the changes in February. This guide provides you with the details you need to know before making your 2013 elections.

Inside, you will learn about:

• the new 90/70 PPO Buy-Up medical plan option, available to certain retirees and their covered eligible dependents

• changes to how prescription drugs are covered for those on Medicare, and

• a new voluntary group retiree dental program.

Merck continues to provide you access to health care benefits that offer you financial protection and are comprehensive, high quality and competitive relative to the offerings of our peers and which remain among the best when compared to Fortune 100 companies.

In bringing together the retiree medical plans of legacy Merck and legacy Schering-Plough, we looked at the best practices of each company’s offerings and the market. The result is comprehensive, high-quality and cost-effective coverage for all Merck retirees.

What’s InsIde

What’s New ............................................................. 3

Working Together to Control the Cost of Health Care .............................................................. 4

Review Your Dependents ......................................... 5

Take Action! ............................................................. 7

Retiree Medical Plan ................................................ 8

Prescription Drug Benefits Overview ..................... 14

MetLife Retiree Dental Benefits Program .............20

Health Advocate .................................................... 21

Paying for Your Benefits .........................................22

Stay Connected through MerckConnections.com ...24

Contact Information ...............................................26

If you are currently enrolled in dental and/or vision coverage through COBRA, you will also receive Merck’s 2013 Annual Enrollment Guide for COBRA Participants. This information is only provided to you for purposes of continuing your dental and/or vision coverage through COBRA.

2 2013 RETIREE BEnEFITS AnnUAl EnROllMEnT | FOR lEgACy SChERIng-PlOUgh RETIREES

What YOU need tO dO• Review the changes described in this guide.

• Review your Personal Fact Sheet for your 2013 coverage. Review your default elections carefully.

• log on to http://netbenefits.com/merck or contact the Merck Benefits Service Center at Fidelity at 800-66-MERCK (800-666-3725) by nov. 9, 2012, to make any changes to your plan options, coverage levels or dependents. Customer Service Associates are available from 8:30 a.m. to 8:30 p.m. ET, Monday through Friday.

• Review the enrollment materials for the new, voluntary group retiree dental program through Metlife that you will receive under separate cover from Metlife. If you decide you would like dental coverage in 2013, you must enroll through Metlife by nov. 19, 2012. See page 20 for important information about enrollment deadlines, particularly if you are currently receiving dental coverage through COBRA.

If you are satisfied with the medical coverage as reflected on your Personal Fact Sheet, you do not need to do anything. You will be enrolled automatically in that medical coverage beginning Jan. 1, 2013.

do You have Questions about Your 2013 Benefits?

Beginning Oct. 19, you can:

• Contact the Merck Benefits Service Center at Fidelity by logging on to http://netbenefits.com/merck or calling 800-66-MERCK (800-666-3725). Customer Service Associates are available from 8:30 a.m. to 8:30 p.m. ET, Monday through Friday. Please note that we are in the process of updating the Merck Retiree Medical Summary Plan Description (SPD) for 2013 and it will be available early next year. For now, you can refer to this guide for any changes to the plan.

• Contact Metlife for information about the new Retiree Dental Benefits Program by calling 800-gETMET8 (800-438-6388) or logging on to www.metlife.com/mybenefits. See page 20 for information about upcoming educational teleconferences hosted by Metlife.

• Contact Express Scripts (formerly Medco) about Express Scripts Medicare™, a Medicare-approved Part D sponsor for Merck, by calling 877-680-4884 or logging on to Express-Scripts.com. See page 19 for information about upcoming educational teleconferences hosted by Express Scripts.

• Contact all other benefits vendors directly. See page 26 for the “Contact Information” listing.

Availability of Summary Health Information Required Under Health Care ReformThe Merck-sponsored medical plan in which you are eligible to participate may offer a number of medical coverage options. Choosing a medical coverage option is an important decision. To help you make an informed choice, and to comply with the requirements of the health care reform law, Merck now makes available Summaries of Benefits and Coverage (SBCs), which summarize important information about each medical coverage option in a standard format to help you compare across options. nOTE ThAT yOU MAy nOT BE ElIgIBlE FOR EACh OF ThE MEDICAl COVERAgE OPTIOnS DESCRIBED In ThE SBCs.

The SBCs (and a link to the Uniform glossary) are available on the Fidelity netBenefits® website at http://netbenefits.com/merck under Medical Plan Details. The Uniform glossary, a document that defines health coverage-related and medical terms used in the SBCs, is available at www.dol.gov/ebsa/pdf/SBCUniformGlossary.pdf. you can also receive a paper copy of the SBCs and the Uniform glossary free of charge by calling the Merck Benefits Service Center at Fidelity at 800-66-MERCK (800-666-3725). More information about the Merck-sponsored medical plan and the medical coverage options is available in the 2012 Merck Summary Plan Description for legacy Schering-Plough Retirees available at http://netbenefits.com/merck or by calling the Merck Benefits Service Center at 800-66-MERCK (800-666-3725). A new retiree medical SPD incorporating all of the changes described in this document will be available early next year.

http://netbenefits.com/merck


www.metlife.com/mybenefits

http://www.Express-Scripts.com


www.dol.gov/ebsa/pdf/SBCUniformGlossary.pdf


32013 RETIREE BEnEFITS AnnUAl EnROllMEnT | FOR lEgACy SChERIng-PlOUgh RETIREES

What’s New

Effective Jan. 1, 2013, we will be offering one retiree benefits program for all legacy Merck, legacy Schering-Plough and legacy OBS retirees. The chart below highlights what’s new or different in the 2013 retiree medical and dental plan offerings for legacy Schering-Plough and OBS retirees.

2013 heaLth and InsURanCe BeneFIts PROGRaM ChanGesPlan Change

Medical Plan (Including Prescription Drug)

•Choice of administrator for the 80/70 PPO medical plan option (formerly known as the Aetna PPO Choice option)

– 80/70 PPO Core—Aetna Choice POS II

– 80/70 PPO Core—horizon BCBS

•new “buy-up” medical plan options (for certain retirees only—see page 9)

– 90/70 PPO Buy-Up—Aetna Choice POS II

– 90/70 PPO Buy-Up—horizon BCBS

•Retirees who have subsidized retiree medical coverage may opt in and out of retiree medical coverage each year during Annual Enrollment. Retirees who have unsubsidized retiree medical coverage who elect the “no Coverage” option will not be allowed to re-enroll for retiree medical coverage in the future

•Several new plan coverage improvements

• The prescription drug administrator is now called Express Scripts (formerly Medco)

•new prescription drug plan for Medicare-eligible retirees and covered dependent spouses/same-sex domestic partners

Dental Program •new voluntary, unsubsidized retiree dental benefits program offered by Metlife

Health Care ReformOn June 28, 2012, the U.S. Supreme Court issued its decision on the Patient Protection and Affordable Care Act (often referred to as the “health care reform law”). The Court upheld all provisions of the Affordable Care Act, including requirements affecting group health plans, such as the health plans offered by Merck.

Merck remains committed to providing high-quality, cost-effective health coverage for eligible retirees and our 2013 health plans comply with the coverage requirements outlined under health care reform law. As such, you will see some updates to the plan benefits that demonstrate our compliance with these new health care reform changes.


Working Together to Control the Cost of Health Care

The rising cost of health care is a challenge we face every year. In fact, survey data suggests that health care costs in the U.S. will increase by more than 7% from 2012 to 2013.1

Together, we can work to control health care costs. As a company, we review our benefits programs each year and make high-level decisions and changes to maximize efficiency and manage costs. It’s up to you to manage your personal health expenses by taking an active role in your health.

What Can YOU dO tO heLP COntROL heaLth CaRe COsts?Visit doctors that participate in your plan’s network.

See your provider for an annual physical. All in-network age- and gender-appropriate preventive/wellness services (required to be covered under the Patient Protection and Affordable health Care Act of 2010) are covered at 100% and are not subject to a deductible. Make sure you are up-to-date on your health screenings and immunizations.

Follow your treatment plan. Keep appointments. Take your prescribed medications. Make sure that any chronic conditions are proactively managed. Follow up with your doctor if you have any questions or concerns.

Improve or maintain your health. Exercise regularly and get fit. Eat well and maintain a healthy weight. Quit smoking and limit your alcohol intake.

Reduce administrative costs. Elect to receive your provider communications such as Explanation of Benefits (EOBs) via e-mail instead of receiving printed copies through the mail.

Read this guide to learn about Merck’s plans, programs and resources available to you. How you, your family members and your fellow retirees use the plan directly impacts your contribution levels and the company’s expenses. Be sure to use your health care wisely.

1 PricewaterhouseCooper’s health Research Institute 2012 Report


Review Your Dependents

To see which dependents are listed for coverage, please refer to the enclosed Personal Fact Sheet.

Eligible dependents generally include your spouse/same-sex domestic partner, children (including a same-sex domestic partner’s children) up to age 26 and disabled children up to any age in the medical plan. For a complete definition of an eligible dependent, see the SPDs available on http://netbenefits.com/merck.

If your dependent does not currently or in the future no longer meets the eligibility requirements for coverage (for example, your child is over age 26, or you and your same-sex domestic partner no longer live together and are no longer jointly responsible for each other’s financial well-being), you must contact the Merck Benefits Service Center at Fidelity immediately to be sure his or her coverage is terminated.

you must contact the Merck Benefits Service Center at Fidelity within 60 days of the date your dependent’s coverage ends in order for your dependent to be eligible for medical continuation coverage through COBRA. note that if you drop a dependent from coverage during Annual Enrollment by reducing your coverage tier, the dependent is not eligible to continue coverage through COBRA. Regardless of when you notify the Merck Benefits Service Center at Fidelity, coverage for your ineligible dependent will end as described in the SPD for the applicable plan.

If You Have a Life Event Before Dec. 31, 2012If you experience a qualifying life event (e.g., birth or adoption of a child, marriage, divorce) before the end of the year and want to make a change to your medical benefits, you must contact the Merck Benefits Service Center at Fidelity by phone at 800-66-MERCK (800-666-3725) or online at http://netbenefits.com/merck within 30 days of the event to ensure both your 2012 and 2013 coverage elections correctly reflect any changes made to your benefits due to your life event.

While coverage is extended to your children up to age 26, this coverage does not extend to your child’s spouse/same-sex domestic partner or your child’s children, unless they would otherwise meet the definition of eligible dependents.




enROLLInG a dePendentWhen enrolling your dependents for coverage, you will need to provide the Social Security number of each dependent. If your dependents are already enrolled for coverage, please verify your dependent’s Social Security number by logging on to http://netbenefits.com/merck.

If you are enrolling a dependent who is Medicare eligible, you will need to provide the dependent’s Medicare Claim number (also known as a health Insurance Claim number). This seven to 11 digit-number can be found on the dependent’s Medicare card.

By electing coverage for your dependents (either by affirmative election or through the default process), you are confirming that they meet the plan’s dependent eligibility requirements and agree to notify the Merck Benefits Service Center at Fidelity within 30 days of an event that causes any of these dependents to no longer meet the definition of an eligible dependent in the plan.

The company, in its sole discretion, maintains the right to audit any and all dependent information on file, and may require that you promptly provide sufficient documentation verifying your covered dependents’ continued eligibility.

If you do not promptly provide documentation sufficient to verify your covered dependents’ continued eligibility or if the company determines that any of the information you provide (or provided) regarding

your covered dependents is untrue, incomplete or misleading, or if you fail to promptly notify the Merck Benefits Service Center at Fidelity of an individual’s loss of eligibility, the company may take such action as it deems appropriate under the circumstances.

shOULd YOU haVe OtheR BeneFIts COVeRaGe?Merck’s benefits plans have a non-duplication of benefits provision. This means that when you have other medical coverage—such as through your spouse’s or same-sex domestic partner’s employer or Medicare—the company coordinates payments with the other plan so that you do not receive a higher benefit from the Merck plan than the Merck plan would have paid in the absence of any other coverage. non-Merck plans may have different rules about how to coordinate benefits, so check each plan’s rules carefully before making your enrollment decision.

note that the plan requires that you and your covered dependents enroll in Medicare Parts A and B when you are first eligible. If you and your dependents do not enroll in Medicare Parts A and B when you are first eligible, the Merck plan will not pay the benefit that would have otherwise been payable by Medicare.

For more information, refer to the Coordination of Benefits section of the SPD.

Important Note for Medicare-Eligible Retirees and their Spouses/Same-sex Domestic PartnersIf you would like to receive Merck Retiree Medical Plan coverage for 2013, you and/or your spouse/same-sex domestic partner should not sign up for a Medicare Part D plan on your own. If you and/or your spouse/same-sex domestic partner are enrolled in the Merck Retiree Medical Plan and are Medicare eligible, you and/or your spouse/same-sex domestic partner will automatically be enrolled for prescription drug coverage under the Express Scripts Medicare™ Prescription Drug Plan (PDP). If you and/or your spouse/same-sex domestic partner enroll in another Medicare Part D plan, Medicare will drop your coverage in the Express Scripts Medicare™ PDP when it receives your enrollment in the other plan. If you and/or your spouse/same-sex domestic partner lose prescription drug coverage through Merck, you and/or your spouse/same-sex domestic partner will lose coverage in the Merck Retiree Medical Plan and will not be able to re-enroll in the plan until the next annual enrollment period, provided you are eligible for subsidized rates. If you are currently enrolled in retiree medical coverage and paying unsubsidized rates (formerly known as “Access” rates) and you lose coverage, you will not be allowed to re-enroll for coverage in the future.



Take Action!ReVIeW YOUR PeRsOnaL InFORMatIOnReview your personal information listed on your Personal Fact Sheet or online at the Merck Benefits Service Center at Fidelity under “your Profile.”

If any of your information is incorrect—or missing—please correct the information by calling the Merck Benefits Service Center at Fidelity at 800-66-MERCK (800-666-3725).

Please note that if your date of birth is incorrect, you will also need to notify Merck directly by calling My Support Center at 866-MRK-hR4U (866-675-4748).

enROLL OR Make ChanGesIf you want to make changes to your benefits coverage shown on your Personal Fact Sheet:

• log on to http://netbenefits.com/merck and make your elections online.

• Call the Merck Benefits Service Center at Fidelity at 800-66-MERCK (800-666-3725). Customer Service Associates are available from 8:30 a.m. to 8:30 p.m. ET, Monday through Friday (excluding new york Stock Exchange holidays).

– When you call the Merck Benefits Service Center at Fidelity, you will be asked to enter your Social Security number and date of birth for verification purposes.

Read and Respond to Any Letters that You Receive From Express Scripts Over the next few months, if you or your covered spouse/same-sex domestic partner is Medicare eligible, you will receive additional information regarding your prescription drug coverage available from Express Scripts Medicare™. Please be sure to review these communications carefully and respond to requests within the required timeframe.

IF YOU dO nOt take aCtIOnIf you do not actively select coverage during the annual enrollment period, you will receive the same coverage in 2013 as you have in 2012, at the 2013 rates.

If you are currently enrolled in the Aetna PPO Choice option, you will be automatically enrolled in the 80/70 PPO Core—Aetna Choice POS II option. note: The Aetna PPO Choice option is being renamed the 80/70 PPO Core—Aetna Choice POS II option; the benefit coverages generally remain the same.

If you are enrolled in the “no Coverage” option, you will automatically receive no coverage for 2013 unless you actively enroll during Annual Enrollment. Don’t forget that if you elect the “no Coverage” option, you will not be eligible for prescription drug coverage.

If you are currently enrolled in retiree medical coverage and paying unsubsidized rates (formerly known as “Access” rates), and you elect the “No Coverage” option for 2013 or at a later date, you will not be allowed to re-enroll for retiree medical coverage in the future.

Certain retirees may be eligible for life insurance through Prudential. If eligible, the coverage amount is reflected on your Personal Fact Sheet. For questions, contact the Merck Benefits Service Center at Fidelity at 800-66-MERCK (800-666-3725). Visit http://netbenefits.com/merck to review and update your current life insurance beneficiaries by clicking on “your Profile.” Remember, unless you have a valid beneficiary designation on file with Fidelity on your date of death, your life insurance proceeds, if any, will be paid to your estate.




Retiree Medical Plan

Beginning Jan. 1, 2013, you may have a choice between two PPO options for you and your dependents. You will also have the opportunity to choose between providers—Aetna or Horizon BCBS—when enrolling for coverage. Prescription drug coverage is included in all options except the “No Coverage” option.

neW RetIRee MedICaL PLan OPtIOns aVaILaBLe as OF Jan. 1, 20131

If You (and all your covered dependents) are PRe-MedICaRe

(generally pre-age 65)

If You (or any covered dependents) are MedICaRe eLIGIBLe

(generally age 65 and older)

no Coverage

• 80/70 PPO Core—Aetna Choice POS II2

• 80/70 PPO Core—horizon BCBS

• 90/70 PPO Buy-Up—Aetna Choice POS II

• 90/70 PPO Buy-Up—horizon BCBS

• 80/70 PPO Core—Aetna Choice POS II2

• 80/70 PPO Core—horizon BCBS

note: If you choose “no Coverage” you will not have Merck retiree medical coverage or prescription drug coverage. If you are receiving unsubsidized medical coverage now, and you choose “no Coverage,” you will not be allowed to re-enroll for retiree medical coverage in the future.

RetIRee MedICaL PLan OPtIOns aVaILaBLe tO CURRentLY enROLLed PaRtICIPants OnLY•Aetna 90/10 Indemnity Choice•Merck PPO hybrid—Aetna Choice POS II

1 The 90/70 PPO Buy-Up options are only available to retirees who are eligible for subsidized coverage and where all family members are not yet Medicare eligible.

2 The Aetna PPO Choice option available in 2012 is renamed the 80/70 PPO Core--Aetna Choice POS II option in 2013; plan coverage generally remains the same.

Each medical plan option offers the same basic plan components (including prescription drug coverage). however, the provider networks vary by medical option.

For pre-Medicare coverage, the 80/70 PPO medical options are considered “Core” options under the Retiree Medical Plan. If eligible, you have the option to enroll for additional coverage in the 90/70 PPO Buy-Up options. you will pay more for this coverage.

For Medicare-eligible coverage, only the in-network level of coverage (80%) applies. There is no preferred-provider network when you are eligible for Medicare.

You are generally eligible for Medicare at age 65. However, you may be eligible earlier than age 65 if you are approved for Social

Security Disability for a period of two years.


eLIGIBILItY FOR 90/70 PPO PRe-MedICaRe BUY-UP OPtIOnsThe “Buy-Up” options are available to you, your spouse/same-sex domestic partner and children, if you and all your family members are not eligible for Medicare and if you are eligible to receive subsidized coverage from Merck. Once you or a covered family member becomes Medicare eligible, you and your family will automatically be enrolled in the 80/70 PPO Core option with the same carrier (Aetna or horizon BCBS) that was providing your pre-Medicare coverage. Additionally, eligibility for the “Buy-Up” options will depend on your home address ZIP code.

Medicare disabled children are not eligible for the “Buy-Up” options.

Is the 90/70 PPO Buy-Up Option Right for You?Only you can determine what benefit plan option meets the needs of you and your family members. For 2013, the new 90/70 PPO Buy-Up option has the same deductibles and annual out-of-pocket maximums as the 80/70 PPO Core option. What’s the difference? The amount you pay for covered services from in-network providers is 10% lower in the 90/70 PPO Buy-Up option (90% after deductible compared to 80% after deductible) and, as a result, your contributions for the 90/70 PPO Buy-Up option are higher than the 80/70 Core option.

To determine if the 90/70 PPO Buy-Up option is right for you, consider if you will have enough eligible health care expenses to offset the higher monthly premium you will pay to receive the additional 10% reimbursement under the 90/70 PPO Buy-Up option.

Need help? Contact health Advocate at 855-675-5463 to help you compare plan options to project your expected expenses and out-of-pocket costs to see if enrolling in the 90/70 PPO Buy-Up option makes financial sense. If you are not currently enrolled in the Aetna 90/10 Indemnity Choice or Merck PPO hybrid options, and you take no action during Annual Enrollment, you will automatically receive the same coverage you have today (under the 80/70 PPO Core—Aetna Choice POS II option).

access to Merck-sponsored Retiree Medical Coverage

generally, if you terminated from Merck (including legacy Schering-Plough and legacy OBS) at or after age 55 with at least 10 years of service, you qualified for subsidized coverage, which means the company shares the cost of coverage with you.

In addition, due to the merger of Merck and Schering-Plough, if you were involuntarily terminated prior to Dec. 31, 2011, and were at least age 50, under the Change in Control provisions of the Separation Plan, you qualified for subsidized coverage (beginning at age 55). If you are under age 55 and paying the “full cost” of coverage, you are still considered as being eligible for subsidized coverage.

If you retired from Merck at or after age 55 with at least five years of service, you qualified for unsubsidized coverage, which means you pay the full cost of coverage. (This cost was known as “Access” rates.)

Beginning Jan. 1, 2013, future retirees (other than those who are at least age 50 with at least five years of service on Dec. 31, 2012) will need to terminate employment at or after age 55 and have at least 10 years of service from age 40 to qualify for subsidized coverage. In addition, future retirees will have earlier access to Merck-sponsored retiree medical coverage. Retirees who leave Merck at or after age 50 with at least five years of service, but do not meet the age 55 with the applicable 10 years of service requirement, will be able to elect unsubsidized coverage.

The cost of retiree medical coverage, as well as Merck’s subsidy and your contribution amount may change from year to year due to medical inflation and other factors. See “Paying for your Benefits” for more information about how your contribution is determined.


RetIRee MedICaL PLan OPtIOns OVeRVIeWMedical Plan Option description

80/70 PPO Core—Aetna Choice POS II

80/70 PPO Core—Horizon BCBS

(Available to all eligible retirees)

•Both Aetna and horizon Blue Cross Blue Shield (BCBS) PPOs generally offer the same set of covered services; however, clinical policies, which may affect coverage determinations, may differ.

•you can choose any provider you want.

•Participants must satisfy an annual deductible before the plan begins to pay benefits.

•Once you satisfy the deductible, the plan pays a percentage of eligible expenses—80% or 70% depending on whether your provider participates in the network.

• The plan coordinates with Medicare and pays secondary to Medicare.

•Participants who are Medicare eligible are not subject to out-of-network provisions.

90/70 PPO Buy-Up—Aetna Choice POS II

90/70 PPO Buy-Up—Horizon BCBS

(Available only if you are eligible to receive subsidized coverage from Merck and you and all your covered eligible dependents are not yet eligible for Medicare)

(Eligibility based on home ZIP code)

• The plan generally offers the same services and features as the “Core” PPO.

•Both Aetna and horizon Blue Cross Blue Shield (BCBS) PPOs generally offer the same set of covered services; however, clinical policies, which may affect coverage determinations, may differ.

•Once you satisfy the deductible, the plan pays a percentage of eligible expenses—90% or 70% depending on whether your provider participates in the network.

Aetna 90/10 Indemnity Choice

(Only available for participants who are currently enrolled)

•Participants must satisfy an annual deductible before the plan begins to pay benefits.

•Once you satisfy the deductible, the plan pays 90% of eligible expenses, up to certain limits.


Merck PPO Hybrid—Aetna Choice POS II

(Only available for participants who are currently enrolled)

•generally offers the same features as the regular PPO options, but for Medicare-eligible participants, the deductibles and out-of-pocket maximums that apply are lower than those under the “Core” or “Buy-Up” PPO options listed above. Certain plan provisions updated for 2013—see page 13 for details.


•Participants who are Medicare eligible are not subject to out-of-network provisions.

• For participants who are not Medicare eligible, the PPO hybrid option has an in-network and out-of-network component subject to the provider’s network.

No Coverage •Offers no coverage for medical services and prescription drugs.

2013 RetIRee MedICaL PLan ChanGes• Speech, occupational and physical therapy coverage for developmental delays (including autism) will be covered,

subject to medical necessity. (note: Applied behavioral analysis therapy for autism remains an exclusion).

• Medically necessary gender reassignment surgical procedures will be covered with pre-authorization (cosmetic procedures are excluded).

• Women’s contraceptives will be covered at 100%.


The following is a summary of the benefits offered under each plan option.

RetIRee MedICaL PLan—sUMMaRY OF BeneFIts1

80/70 PPO Core—aetna Choice POs II2

80/70 PPO Core—horizon BCBs90/70 PPO Buy-Up—aetna Choice POs II

90/70 PPO Buy-Up—horizon BCBsaetna 90/10 Indemnity

Choice3In-network

CoverageOut-of-network

CoverageIn-network


Coverage

COstsAnnual Deductible4

Individual

Family

$500

$1,000

$750

$1,500

$500

$1,000

$750

$1,500

$150

$300

Coinsurance 80%, after deductible

70% of R&C limit, after deductible

90%, after deductible



Annual Out-of-Pocket Maximum4 (excludes deductible)

Individual

Family

$2,000

$4,000

$3,250

$6,500

$2,000

$4,000

$3,250

$6,500

$1,000

$2,000

Lifetime Benefit Maximum5

none none none none none

Reasonable and Customary (R&C) Limit

not applicable Applies not applicable Applies Applies

PReVentIVe MedICaL CaRe—eXaMs6

Routine Annual Physical Exams (one exam per calendar year)

100%, no deductible

70% of R&C limit, no

deductible

100%, no deductible

70% of R&C limit, no deductible

100%, no deductible

Routine Immunization-Related Office Visits

100%, no deductible


deductible

100%, no deductible


100%, no deductible

Routine Preventive OB/GYN Exams (one exam per calendar year)

100%, no deductible


deductible

100%, no deductible


100%, no deductible

1 For participants in the Merck PPO hybrid plan option, please visit http://netbenefits.com/merck. 2 If you are a participant in this plan option and you are eligible for Medicare, the out-of-network provisions do not apply.3 Only available to current participants who retired before Jan. 1, 1991. Closed to new entrants.4 Expenses incurred to satisfy your deductible and out-of-pocket maximum will be credited to both your in-network and out-of-network

deductibles and out-of-pocket maximums. Expenses in excess of the R&C limit do not count toward your deductible or out-of-pocket maximum.

5 Other than Infertility Diagnosis and Treatment.6 All in-network age- and gender-appropriate preventive services required to be covered by the Retiree Medical Plan under the Patient

Protection and Affordable health Care Act of 2010 will be covered by the Retiree Medical Plan with no cost-sharing requirement. More frequent preventive screenings may be available, based on family history. For additional information about these preventive services and specific age and gender guidelines, contact Aetna or horizon BCBS.







Choice3In-network


CoverageIn-network


Coverage

Routine Preventive Lab/X-ray

100%, no deductible


deductible

100%, no deductible


100%, no deductible

OUtPatIent MedICaL CaRe Office Visits 80%, after

deductible70% of R&C limit, after deductible




Outpatient Surgery 80%, after deductible





Infertility Diagnosis and Treatment (combined lifetime maximum of $25,000 applies for medical benefits across all medical plan options)






Chiropractic Care (up to 25 visits per calendar year per person)

(Maintenance therapy not covered)






Short-Term Rehabilitation (physical therapy, occupational therapy, speech therapy)






InPatIent MedICaL CaReInpatient Hospital Services


Precertification required









Maternity Services 80%, after deductible










1 For participants in the Merck PPO hybrid plan option, please visit http://netbenefits.com/merck. 2 If you are a participant in this plan option and you are eligible for Medicare, the out-of-network provisions do not apply.3 Only available to current participants who retired before Jan. 1, 1991. Closed to new entrants.







Choice3In-network


CoverageIn-network


Coverage

OtheR seRVICes Emergency Services






Inpatient Mental Health and Substance Abuse Care

80%, after Medical Plan deductible


70% of R&C limit, after

Medical Plan deductible


90%, after Medical Plan deductible


70% of R&C limit, after Medical Plan

deductible




Outpatient Facility Mental Health and Substance Abuse Care


70% of R&C limit, after

Medical Plan deductible


70% of R&C limit, after Medical Plan

deductible


1 For participants in the Merck PPO hybrid plan option, please visit http://netbenefits.com/merck. 2 If you are a participant in this plan option and you are eligible for Medicare, the out-of-network provisions do not apply.3 Only available to current participants who retired before Jan. 1, 1991. Closed to new entrants.

attentIOn MeRCk hYBRId PPO PLan PaRtICIPantsBeginning Jan. 1, 2013, certain plan design changes will be in effect. note: This option is closed to new participants. If you currently participate in the Merck hybrid PPO and elect a different plan option for 2013 (including the “no Coverage” option), you will not be able to later enroll in this option.

If you participate in the Merck PPO hybrid—Aetna Choice POS II option, please note the following changes to your plan:

• your coinsurance will decrease from 90% to 80%.

• In-network out-of-pocket maximum will be $500 individual/$1,000 family.

• Office visit copays will be eliminated (except for emergency room and urgent care services, which remain the same); instead, you will pay coinsurance for services, after you meet the deductible—$150 individual/$300 family. Preventive care is still covered at 100%, no deductible.

Please visit http://netbenefits.com/merck for detailed information about this medical plan option.

Retiree Medical ID Cardsyou will receive a new medical ID card later this year if you are enrolled for coverage.

If you are eligible for Medicare, you will receive a new prescription drug ID card in December with your Welcome Kit from Express Scripts Medicare™. If your spouse/same-sex domestic partner is eligible for Medicare, he/she will also receive a new prescription drug ID card and a Welcome Kit in December. See “Prescription Drug Benefits Overview” for information about what’s changing with your prescription drug coverage and what to look for in prescription drug coverage communications.




Prescription Drug Benefits OverviewWhen you enroll in a retiree medical plan option (except the “No Coverage” option), you automatically receive prescription drug coverage administered by Express Scripts, formerly Medco Health Solutions, Inc. (Medco).

There is no separate charge for prescription drug coverage. It is included as part of the cost of the option you select under the Merck Retiree Medical Plan.

Medco Is Now Express ScriptsExpress Scripts and Medco have come together as one company. The combined company is in the process of changing the name on all its communications to Express Scripts. Until the renaming process is complete, you will sometimes see the Medco name in communications. For example, the program’s mail-order service is still Medco Pharmacy™.

The website to manage your prescription drug benefits is Express-Scripts.com. log on to Express-Scripts.com to compare costs, order refills, check the status of your orders and request additional order forms and envelopes. Once registered, you can receive personalized e-mails, including refill reminders, notification of potential adverse drug interactions and suggested ways to save money. If you are a first-time visitor to the website, take a moment to register. (have your member ID number and a recent prescription number handy.)

If you were registered on Medco.com, your registration will carry forward to Express-Scripts.com.

how your prescription drug coverage works depends on whether you are eligible for Medicare:

• If you and/or your spouse/same-sex domestic partner are not eligible for Medicare, the prescription drug coverage for the non Medicare-eligible participant will be provided under the Merck Prescription Drug Plan sponsored by Merck.

• If you and/or your spouse/same-sex domestic partner are, or become, eligible for Medicare, beginning Jan. 1, 2013, the prescription drug benefit for the Medicare-eligible participant will be provided under the new Express Scripts Medicare™ Prescription Drug Plan (PDP) for Merck (“Express Scripts Medicare™“). It is a combination of a group Medicare Part D plan known as an Employer group Waiver Plan (EgWP) and supplemental coverage sponsored by Merck. you will continue to have coverage for prescription drugs at a level comparable to that available to pre-Medicare retirees, including Merck brand drugs that are provided to you for a $0 copay.

Remember, if you elect the “No Coverage” option under the Retiree Medical Plan, you will have no prescription drug coverage.



http://www.Medco.com



PRe-MedICaRe RetIRee PResCRIPtIOn dRUG COVeRaGe Prescription drug coverage for 2013 remains the same as your current coverage. The following chart summarizes prescription drug costs for 2013. Please note that all the 2013 medical options (except the “no Coverage” option) offer the same prescription drug coverage through Express Scripts, the company’s pharmacy benefit manager.

Participating Retail Pharmacy Copay up to a 30-day supply1,2,3

Medco Pharmacy™ Copay (Mail Order) up to a 90-day supply

Merck Brand Drugs $0 $0

generic Drugs—Other than Diabetes Medications and Supplies

$10 $20

non-Merck Brand Drugs—Other than Diabetes Medications and Supplies (when a generic equivalent is nOT available)

$25 $50

non-Merck Brand Drugs (when a generic equivalent is available)

$10 copay plus the difference between the brand price and its

generic equivalent, up to $50 (per prescription)

$20 copay plus the difference between the brand price and its generic equivalent, up to $100

(per prescription)

generic Diabetes Medications and Supplies

$0 $0

non-Merck Brand Diabetes Drugs and Supplies

$10 $20

1 Certain prescription medications are covered only by mail order through Medco Pharmacy™ or Accredo, a subsidiary of Express Scripts. 2 Male erectile dysfunction medications (MEDS) and non-Merck brand oral contraceptives are covered only by mail order through Medco

Pharmacy™. Merck brand oral contraceptives may be filled at a participating retail pharmacy at a $0 copay.3 Prescriptions filled at non-participating pharmacies will be reimbursed based on the network-negotiated price of the medication, minus

the applicable copay. Employees are responsible for any drug costs in excess of network-negotiated fees. Member Pay the Difference provisions (without the cap) apply for non-Merck brands that are filled when a generic is available.

Id Cards for Pre-Medicare Prescription drug Coverage

your current 2012 Medco Prescription Drug ID card should continue to be used in 2013. ID cards are not being reprinted to reflect the merger with Express Scripts.

you will receive a new prescription drug ID card only if you add or remove a dependent, change your name or if you or your spouse/same-sex domestic partner are or become Medicare eligible.


MedICaRe RetIRee PResCRIPtIOn dRUG COVeRaGeThe new Express Scripts Medicare™ PDP for Merck is a combination of a group Medicare Part D plan known as an Employer group Waiver Plan (EgWP) and supplemental coverage sponsored by Merck. If you are currently enrolled in Merck’s Retiree Medical Plan, you will continue to have coverage for prescription drugs at a level comparable to that available to pre-Medicare retirees, including Merck brand drugs that are provided for $0 copay.

how the Plan Works

The new plan works the same way as your current plan.

Beginning Jan. 1, 2013, when you have your prescriptions filled at the pharmacy, you will present your new Express Scripts Medicare™ ID card. When filling a prescription by mail order, you will submit your prescriptions through the Medco Pharmacy™ (mail order) for a 90-day supply.

enrolling in the Plan

If you and/or your spouse/same-sex domestic partner1 are eligible for Medicare and are enrolled in Merck’s Retiree Medical Plan, you do not need to do anything. The Medicare-eligible participant will automatically be enrolled in Express Scripts Medicare™.

note: If you are eligible for Medicare and your spouse/same-sex domestic partner is not, you will be automatically enrolled in Express Scripts Medicare™ and your spouse/same-sex domestic partner will continue to be enrolled in pre-Medicare prescription drug coverage until he/she becomes Medicare eligible. The opposite also applies. If your spouse/same-sex domestic partner is eligible for Medicare and you are not, your spouse/same-sex domestic partner will be automatically enrolled in Express Scripts Medicare™ and you will continue to be enrolled in pre-Medicare prescription drug coverage until you become Medicare eligible.

Did You Know?Medicare is an individual benefit. Once you and/or your spouse/same-sex domestic partner become Medicare eligible, each of you will need to provide the Merck Benefits Service Center at Fidelity with the following required information:

•Medicare Claim number

•Physical address, and

•Correct birthday and name as it appears on your Medicare card.

If the Merck Benefits Service Center at Fidelity does not have this information on file when you and/or your spouse/same-sex domestic partner become Medicare eligible, they will contact you directly, generally by U.S. mail.

In addition, each covered, Medicare-eligible retiree and spouse/same-sex domestic partner will receive individual mailings from Express Scripts, as well as their own individual prescription drug ID card.

1 Medicare disabled children will be covered under the Pre-Medicare Prescription Drug Plan.


express scripts Medicare™ at a Glance

The following chart summarizes prescription drug costs for 2013. Please note that all the 2013 medical options offer the same prescription drug coverage through Express Scripts.

Participating Retail Pharmacy Copay

up to a 31-day supply1,2

Medco Pharmacy™ (Mail Order) Copay

up to a 90-day supply

Participating Retail Pharmacy1,2 Copay

up to a 90-day supply

Merck Brand Drugs $0 $0 $0

generic Drugs—Other than Diabetes Medications and Supplies

$10 $20 $30

non-Merck Brand Drugs—Other than Diabetes Medications and Supplies

$25 $50 $75

generic Diabetes Medications and Supplies

$0 $0 $0

non-Merck Brand Diabetes Medications and Supplies

$10 $20 $30

1 Certain medications are only available through the Medco Pharmacy™ (mail order), such as prescriptions for male erectile dysfunction and non-Merck brand oral contraceptives.

2 you must use Express Scripts network pharmacies to fill your prescriptions. Covered Medicare Part D drugs are available at out-of-network pharmacies only in special circumstances, such as an emergency.

express scripts Medicare™ Id Cards

you will receive a new Express Scripts Medicare™ ID card in December that must be used for all your prescriptions beginning Jan. 1, 2013. your new ID card will have the Express Scripts Medicare™ name and logo.

Each covered retiree and spouse/same-sex domestic partner who is eligible for Medicare will receive his/her own new Express Scripts Medicare™ ID card in December that must be used for all his/her prescriptions beginning Jan. 1, 2013. Since Medicare is an individual benefit, prescription ID cards can no longer be shared among family members once you or your spouse/same-sex domestic partner is eligible for Medicare. you will each receive your own prescription ID card.

If your spouse/same-sex domestic partner is covered under the Merck Retiree Medical Plan but is not eligible for Medicare, or your dependent children (regardless of their Medicare status) are covered under the Merck Retiree Medical Plan, their prescription drug cards will continue to have the Medco name and logo.


Important Considerations Under express scripts Medicare™

Prior Authorization

you currently may have a prescription for which you have obtained a prior authorization or prior approval from your current plan. Under Express Scripts Medicare™, some participants may need to have prior authorization re-established for certain medications. If you are affected, you will receive a letter from Express Scripts Medicare™ in December.

Late Enrollment Penalty

The Centers for Medicare & Medicaid Services (CMS) assess a late enrollment penalty (lEP) for Medicare Part D participants who cannot prove they have continuous creditable prescription drug coverage. you may owe an lEP if you didn’t join a Medicare prescription drug plan when you were first eligible for Medicare Part A and/or Part B, and you didn’t have other prescription drug coverage that met Medicare’s minimum standards, or you had a break in coverage of at least 63 days. note that coverage under Merck’s plans applicable to active and retired employees meets Medicare’s minimum standards and is considered “creditable coverage.”

For the 2013 plan year, Merck has chosen to cover the lEP, if any, for you or your spouse/same-sex domestic partner. There is no guarantee, however, that Merck will continue to pay the lEP, if any, in any future year. In addition, if you are subject to an lEP and your coverage ends, you will be responsible for paying the penalty if you enroll in another plan at a later date.

Please note: you and/or your covered spouse/same-sex domestic partner may receive a notice from Express Scripts Medicare™ asking you to provide information about previous prescription drug coverage to attest that you have had continuous creditable prescription drug coverage. you are solely responsible for providing this information within the timeframe stated on the notice to avoid future penalties.

“Creditable prescription drug coverage” or “creditable coverage” means drug coverage from a plan that expects to pay, on average, at least as much as Medicare’s standard prescription drug coverage and would include any prescription drug coverage that you had under the Merck Prescription Drug Plan.

“Extra Help” with Prescription Drug Costs

Certain Medicare recipients with low income and limited resources to pay for Medicare prescription drug coverage may qualify for what is called “Extra help,” also known as “low-income subsidy” (lIS). If you qualify for “Extra help,” you will receive assistance in paying for costs such as monthly premiums and annual deductibles related to your Medicare prescription drug costs. To find out if you qualify for “Extra help,” or to enroll, go to www.socialsecurity.gov/prescriptionhelp or call 800-MEDICARE (800-633-4227), 24 hours per day, seven days a week.

www.socialsecurity.gov/prescriptionhelp


High Income Premium Surcharge

There is no separate charge for prescription drug coverage. It is included as part of the cost of the option you select under the Merck Retiree Medical Plan.

however, if you are single with modified adjusted gross income of over $85,000 or married with modified adjusted gross income of over $170,000 (for 2013), you will be subject to a high income premium surcharge assessed by the federal government. The surcharge is typically a deduction from your Social Security check. you will receive a letter from Social Security if you have been identified as meeting the high income requirements. For more information about the high income premium surcharge, contact Social Security at 800-772-1213 between 7:00 a.m. and 7:00 p.m., Monday through Friday.

What’s next?

Merck has arranged for Express Scripts to host educational teleconferences to provide an overview of the Express Scripts Medicare™ PDP and allocate time for live questions and answers. Join one of the following teleconferences to learn more about Merck’s Medicare retiree prescription drug coverage.

Option 1 Tuesday, nov. 6 1:00 p.m.—3:00 p.m. ET 888-877-0619 (when prompted, enter the following ID: 378740#)

Option 2 Thursday, nov. 8 1:00 p.m.—3:00 p.m. ET 888-877-0619 (when prompted, enter the following ID: 123096#)

Over the next few months, you will receive additional information regarding your prescription drug coverage available from Express Scripts Medicare™. Please be sure to review these communications carefully and respond to requests on a timely basis.

note: Each covered Medicare-eligible retiree and spouse/same-sex domestic partner will receive individual mailings. It is your responsibility and the responsibility of your spouse/same-sex domestic partner to respond to these requests in a timely manner. your coverage under the Merck Retiree Medical Plan (including prescription drug coverage) may be adversely impacted if you don’t do so.

For questions about your prescription drug plan, contact Express Scripts at 877-680-4884. To receive a printed copy of your SPD or SBC, please call the Merck Benefits Service Center at Fidelity at 800-66-MERCK (800-666-3725).


MetLife Retiree Dental Benefits Program

Beginning Jan. 1, 2013, you will have access to new, voluntary group dental coverage through MetLife’s Retiree Dental Benefits Program. You pay the full cost of this coverage, as determined by MetLife, based on your home ZIP code. MetLife will be sending information directly to you on the new plan’s features, costs and how to enroll.

The Metlife Retiree Dental Benefits Program’s annual enrollment period is Oct. 19 through nov. 19 for coverage effective Jan. 1, 2013. This will be your only opportunity to enroll in coverage1. If you do not enroll during this year’s annual enrollment period for coverage effective Jan. 1, 2013, you will not be able to enroll in the program in the future.

Please note: This plan is not sponsored by Merck. however, as a convenience to retirees, Merck has arranged for Metlife to host informational teleconferences to provide an overview of the Metlife Retiree Dental Benefits Program and allocate time for live questions and answers. Join one of the following teleconferences to learn more about the dental program:

Option 1: Monday, Oct. 22 10:00 a.m.—11:00 a.m. ET 800-260-0712 (Participant Access Code: 258935)

Option 2: Friday, Oct. 26 11:00 a.m.—12:00 p.m. ET 800-260-0712 (Participant Access Code: 258936)

Option 3: Thursday, nov. 1 2:00 p.m.—3:00 p.m. ET 800-260-0712 (Participant Access Code: 258937)

For information about this coverage, refer to the Welcome Kit you will receive from Metlife or contact Metlife directly at 800-gETMET8 (800-438-6388).

1 If you are currently enrolled for COBRA dental coverage, effective Jan. 1, 2013, you can either continue your COBRA dental coverage or end your COBRA coverage during Annual Enrollment and enroll in the new Metlife Retiree Dental Benefits Program. If you decide to continue your COBRA dental coverage, you will have another opportunity to enroll for the Metlife program at the end of your COBRA period. If you do not enroll at the end of your COBRA period, you will not be able to enroll in the program in the future. Also, if you terminate COBRA dental coverage early, you will not be allowed to enroll in the Metlife program.


This past June, Merck introduced a confidential health advocacy program to help you navigate the health care and health insurance system maze. Since then, over 1,900 Merck employees, retirees and their family members have used the service.

health Advocate™, Inc., is the nation’s leading independent health care advocacy and assistance company, serving more than 8,500 clients. In fact, health Advocate has worked over 3,700 hours on behalf of Merck’s employees and retirees in just three months.

When you call, you will be assigned a Personal health Advocate to assist you on an ongoing basis. Advocates are typically registered nurses, supported by medical directors and benefits and claims specialists. They will provide one-on-one help with a variety of issues to help you and your eligible family members:

• Untangle medical bills

• Schedule tests, appointments

• Assist with eldercare and Medicare

• Find doctors, hospitals and other providers

• Secure second opinions, and

• Explain conditions, treatments.

health Advocate’s work/life resources and eldercare and caregiver services can help you:

• Find in-home care, adult daycare, assisted living, long-term care

• Research transportation to appointments, and

• Coordinate care among multiple providers.

24-hOUR nURseLIneWith health Advocate, you and your family have a place to turn to around-the-clock for trusted advice and information when you need it most. highly trained registered nurses are available 24/7 to help you with non-urgent concerns. Call the 24-hour nurseline for:

• Answers to questions about symptoms or medications

• Explanation of a health condition, and

• Simple, self-care tips for non-urgent conditions.

Call Health Advocate at 855-675-5463 Monday through Friday, from 8:00 a.m. to 9:00 p.m. ET (24-hour NurseLine available), or visit HealthAdvocate.com/merck.

health Advocate is not part of the medical plan or a claims administrator for the medical plan. It is a service offered at no cost to you by Merck.

http://www.HealthAdvocate.com/merck


Paying for Your Benefits

Your 2013 contribution amounts can be found on the enclosed Personal Fact Sheet or online at the Merck Benefits Service Center at Fidelity (http://netbenefits.com/merck). You may pay for retiree medical coverage and/or life insurance coverage two ways—through pension deductions or direct bill.

The cost of retiree medical coverage, as well as Merck’s subsidy and your contribution amount may change from year to year due to medical cost inflation and other factors at Merck’s discretion.

If you are currently paying for your coverage through pension deductions:

you do not need to do anything. your 2013 contributions will continue to be deducted from your pension benefit. If you have any questions, please contact the Merck Retirement Center at 866-201-2825.

If you receive a billing invoice:

Billing invoices are sent to you on a monthly basis with payments due on the first day of each month to continue coverage for that month. you continue to have the option to pre-pay for your coverage—this will show as a credit on your monthly invoices. If you have any questions, please contact the Merck Benefits Service Center at Fidelity.

If you fail to pay your required contributions for coverage within the time and manner specified by Merck, your coverage under the plan(s) for which the contribution was not paid will terminate effective as of the contribution due date. If you fail to pay any life insurance premiums, you will remain permanently ineligible for that coverage. If you fail to pay your medical contribution, you will default to the “no Coverage” option1. Please note that your ability to re-enroll for medical coverage is limited to the following year’s annual enrollment period, unless you experience a qualifying life event and you contact the Merck Benefits Service Center at Fidelity within 30 days of the event. Please refer to the Retiree Medical Plan SPD for more details.

1 If you are qualified for unsubsidized retiree medical coverage and you default to the “no Coverage” option, you will not be able to enroll for retiree medical coverage in the future.



New for 2013: There is a change in the grace period for paying for retiree medical coverage and/or life insurance coverages: you now have 60 days to submit payment, instead of 30 days. however, if payment is not received by the Merck Benefits Service Center at Fidelity within this 60-day period:

• Medical and pre-Medicare prescription drug coverage will end as of the last date paid.

• Medicare-eligible prescription drug coverage (through Express Scripts Medicare™ PDP) will end at the end of the 60-day grace period as required by CMS.

• life insurance coverage will end as of the last date paid.

ReMIndeR: VIeW YOUR PaYMents OnLIneyou can go online to view your payment status, print an invoice, change your payment method and view other payment information. Follow these steps to view your payment statement:

• log on to the Merck Benefits Service Center at Fidelity (http://netbenefits.com/merck)

• Select the “health & Insurance” tab, and

• Under “More Benefit Resources,” click on the “Payment for Benefits” hyperlink.

Are You Still Writing a Check to Pay Your Benefits Contributions?If so, consider changing to the Automatic Bank Withdrawal option. The Automatic Bank Withdrawal option deducts contributions right from your bank account, eliminating the burden of manually mailing a check and ensures payments are on time! And best of all, it’s easy to enroll.

•Enroll Online: To sign up for Automatic Bank Withdrawal, log on to http://netbenefits.com/merck. From there, click on the “health & Insurance” tab, select “Forms” under “Other Benefits” and then “Change Payment Method” on the left-hand navigation bar.

•Enroll by Phone: Call the Merck Benefits Service Center at Fidelity at 800-66-MERCK (800-666-3725) between 8:30 a.m. and 8:30 p.m. ET, Monday through Friday (excluding new york Stock Exchange holidays) to speak with a Customer Service Associate. you’ll receive information from Fidelity about the Automatic Bank Withdrawal service—and complete the process with a Fidelity Customer Service Associate.




Stay Connected through MerckConnections.com

MerckConnections.com is Merck’s website for retirees, spouses/same-sex domestic partners and caregivers. Through MerckConnections.com, you can stay in touch with the company—and with each other. You’ll be able to look up old friends through the retiree directory and stay on top of the company’s daily news and activities. You can also get the company’s viewpoint on events and issues directly from the source. To date, over 3,000 retirees are registered members.

Full access to MerckConnections.com, including the Retiree Community section of the site, is available to all Merck retirees. Spouses, surviving spouses, domestic partners and caregivers of retirees are invited to access all other areas of the site.

LOGGInG OnAccess the website at MerckConnections.com. Then, follow the online instructions for registration. Please note that all first-time users must register before logging on.

Not a member? Here are several reasons to consider joining:

• Find out which of your former colleagues is celebrating a birthday and take the opportunity to reconnect

• Display your own profile so that others know what’s new with you

• Obtain general retiree benefits information

• Read the latest news announcements from Merck

• Keep current on legislative issues that impact health care and learn Merck’s viewpoint on those issues, and

• Find health and fitness information and links to other online resources.

http://www.MerckConnections.com





ReGIstRatIOnTo ensure privacy, retirees who wish to access the Retiree Community section of the website must register using their Merck World Wide Identification number (WIn). All Merck retirees have a company-assigned WIn. If you cannot remember your Merck WIn or if you have questions about using the website, contact My Support Center at 866-MRK-hR4U (866-675-4748).

MerckEngage.com is an online service offered as part of Merck’s century-long commitment to providing unbiased health information to consumers and health care professionals. MerckEngage.com is a free website that can help you make—and stay with—healthier choices. you’ll find information, tips and tools on:

•Eating Well: healthy recipe selections customized for your needs

•Getting Fit: Activity ideas for every fitness level

•Working with Your Doctor: Ways to help make the most of doctor visits

•Managing Health Conditions: Simple tools to help track your progress

•Taking Medicines: Information to help you better understand the importance of taking your medicines, and

•Caregiving: Support and encouragement for caregivers.

log on to MerckEngage.com directly or through MerckConnections.com.

http://www.MerckEngage.com





Contact InformationFor More Information about…

Contact/ Benefits Provider

Contact by Phone… Contact via the Internet…

Retiree Benefits Described in this Guide

Merck Benefits Service Center at Fidelity

800-66-MERCK (800-666-3725)1

Customer Service Associates are available from 8:30 a.m. to 8:30 p.m. ET, Monday through Friday (excluding new york Stock Exchange holidays)


80/70 PPO Core—Aetna Choice POS II

90/70 PPO Buy-Up—Aetna Choice POS II

Aetna 90/10 Indemnity Choice

Merck PPO Hybrid—Aetna Choice POS II

Aetna 800-541-6711

Representatives are available from 8:00 a.m. to 6:00 p.m. ET

www.aetna.com

80/70 PPO Core—Horizon BCBS

90/70 PPO Buy-Up—Horizon BCBS

horizon BCBS 877-663-7258 www.horizonblue.com/merckretirees

Pre-Medicare Prescription Drug Program

Express Scripts (formerly Medco)

Specialty Pharmacy (Accredo)

800-Rx-MERCK (800-796-3725)

800-922-8279

Express-Scripts.com

Express Scripts Medicare™ Prescription Drug Plan (PDP)

Express Scripts (formerly Medco)

Specialty Pharmacy (Accredo)

877-680-4884

800-922-8279

Express-Scripts.com

MetLife Retiree Dental Benefits Program

Metlife 800-gETMET8 (800-438-6388)


Health Care Advocacy health Advocate 855-675-5463 HealthAdvocate.com/merck

Retiree Life Insurance (if eligible)


800-66-MERCK (800-666-3725)


Retirement Plan (pension)

Merck Retirement Center

866-201-2825 www.merckretirementcenter.com

Savings Plan (401(k))


800-66-MERCK (800-666-3725)


Paying for Coverage Merck Benefits Service Center at Fidelity

800-66-MERCK (800-666-3725)


1 For overseas calls, dial your country’s toll-free AT&T USADirect® access number then enter 800-666-3725. In the United States, call 800-331-1140 to obtain AT&T USADirect access numbers.


http://www.aetna.com

www.horizonblue.com/merckretirees

www.horizonblue.com/merckretirees

http://Express-Scripts.com

http://Express-Scripts.com


http://HealthAdvocate.com/merck


http://www.merckretirementcenter.com




to Review or Make a Change to Your Beneficiary designation for…

Contact... at...

Life Insurance

Savings Plans


800-66-MERCK (800-666-3725)


(click on “your Profile” and then “Beneficiaries”)

to Obtain a Printed Copy of Your... Contact... at...

Summary Plan Description (SPD)

Summary of Benefits Coverage (SBC)


800-66-MERCK (800-666-3725)





3.MK-h-440RR.102

This document is a summary of material modifications to the following 2012 Summary Plan Description: “The Merck SPD for Legacy Schering-Plough Retirees.” It is not an official plan document or a Summary Plan Description for any of the other plans and programs described in this document. If any information included in this document or any website or any verbal representation conflicts in any way with the official plan document(s), including any contract(s) of insurance purchased, pursuant to the plan document(s), the provisions of the plan document(s), as amended, will govern.

Merck (and its subsidiaries) reserves the right to amend the benefits provided to retirees (and the plans and programs under which they are provided) in whole or in part or completely discontinue them at any time. The information contained herein has been provided by Merck & Co. and its subsidiaries and is solely their responsibility.

2013 retiree benefits annual enrollment - merck retirees 2013 retiree guide_092512fin… · 2013...

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