helping you prepare for your upcoming medicare enrollment · plan type number of plans offered 2018...

©2018 Willis Towers Watson. All rights reserved. Proprietary and Confidential. For Willis Towers Watson and Willis Towers Watson client use only. 0 willistowerswatson.com

July 17, 2018

Helping You Prepare

For Your Upcoming

Medicare Enrollment


Discussion Topics

Medicare — Plan Types

Who We Are

2

1

Via Benefits Process

Action Items and Timeline

Questions and Answers

3

4

5


Who We Are


We Can Help

No fees for our service

Founded in 2004

100 + Insurance Companies This will be our

14th Annual Enrollment

Season

OVER

1.7 million Retirees served across

9 out of 10 Retirees reported they would

work with Via Benefits again

Licensed advisor provides

guidance and

ongoing advocacy

More Choice, More Flexibility — Better Value

Personalized options with plans from a nationwide network of insurers

560+ employers


Service Centers Operating Hours: Monday – Friday, 8:00am – 9:00pm ET

Salt Lake City

Phoenix

Dallas


Medicare — Plan Types


Plans and partners Via Benefits offers all plan types

Prescription Drug

(Part D)

Medicare

Advantage

Medicare Supplement

(Medigap)

Dental Plans and

Vision Plans

http://www.google.com/url?sa=i&source=images&cd=&cad=rja&docid=Dq-OhZEaIOIw0M&tbnid=JI4YSuP2-Q8nPM:&ved=0CAgQjRwwAA&url=http://www.bloggingstocks.com/2007/10/01/express-scripts-esrx-hurt-by-walgreen-wag-earnings-miss/&ei=SydsUeWLD4ng0QHvmoCYDw&psig=AFQjCNGwH9UQgg5TZfn-k1eJ-dyaBgi73g&ust=1366128843292060


Your future coverage

How Medicare coverage works

Primary Coverage

Medicare A and B

Additional Coverage (your choice)

Medicare Advantage with

Prescription Drug (MAPD) or

Medigap + Prescription Drug

Optional Coverage (your choice)

Dental Plans

Vision Plans


Your Medicare options Medicare Advantage with Prescription Drug coverage (MAPD)

Note: Medicare Advantage plans are generally network-based plans.

MAPD HMO PPO


Your Medicare options Medicare Supplement Insurance (Medigap) + Part D Prescription Drug plan

MEDIGAP

PLAN PART D

Prescription

Drug Plan

Note: You may need to pay your first premium when you enroll in coverage.


Medicare Supplement Insurance (Medigap) Lettered Policies

Medicare Supplement Insurance (Medigap) Policies

Benefits A B C D F G K L M N

Medicare Part A coinsurance

and hospital costs (up to an

additional 365 days after

Medicare benefits are used)

100% 100% 100% 100% 100% 100% 100% 100% 100% 100%

Medicare Part B coinsurance or

copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%

Blood (first 3 pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%

Part A hospice care

coinsurance or copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%

Skilled nursing facility care

coinsurance 100% 100% 100% 100% 50% 75% 100% 100%

Part A deductible 100% 100% 100% 100% 100% 50% 75% 50% 100%

Part B deductible 100% 100%

Part B excess charges 100% 100%

Foreign travel emergency

(up to plan limits) 80% 80% 80% 80% 80% 80%

Source: CMS Out-of-Pocket

limit in 2018

$5,120 $2,560


Part D Plans — 5 Tiers of Co-Pays

Tier Descriptions

Cost-sharing increases with the tier number

Non-preferred generic

Preferred brand

Non-preferred brand

Specialty drugs or injectable medicine

Preferred generic Tier 1

Tier 2

Tier 3

Tier 4

Tier 5


Medicare Prescription Drug Coverage 2018

Catastrophic

Coverage

Coverage

Gap

Initial

Coverage Deductible

You pay full retail until

deductible is met

For 2018 — $0 to $405

You pay copays for your

plan coverage for the

first $3,750 in actual

costs of medications

You pay 35% of Brand Name and

44% of Generics until your out of

pocket costs reach $5,000

Pharmaceutical contributions will

count towards the $5,000 TrOOP

You pay $3.35 for

Generics and $8.35

for Brand Name or

5% — whichever is

greater


Catastrophic Coverage Special Payments

Additional level of benefit for participants with

high drug costs

More information about this benefit will be

included in your Enrollment Guide


Via Benefits Process


How We Can Help

Consultative

Process

Simplified

Selection

Effortless

Enrollment

Ongoing

Advocacy


Education

Enrollment Guide

Understand your options

Call Toll Free to enroll

1+855-232-5748

My.ViaBenefits.com/GW


Licensed/Certified/Appointed

Average age – 43 years

Objective and unbiased (noncommissioned)

100% domestic workforce

Benefit Advisors

Benefit advisors are available:

Monday through Friday, 8:00 AM until 9:00 PM Eastern Time


Online Support Tools Prescription Profiler

Load in your prescriptions — Shorten your time on the phone with us!


Online Support Tools Help Me Choose comparison tool


24/7 access to your information


Two Step Process

1. Benefit Advisors

Benefit Advisors can discuss coverage

options with anyone

2. Application Data Processor

Telephonic enrollment

Enrollment Process

1

2

100% of calls are recorded


Enrollment Process

Selection Confirmation Letter

Review the plan(s) that you selected

The selection confirmation letter will be sent

shortly after you enroll

This letter confirms that your applications have

been submitted


Personal Guidance An Ongoing Advocate

The plans you select continue on year-to-year.

No need to re-enroll in the fall unless you want to make a plan change.

Navigation

Enrollment

Prescription changes

Affordability concerns

Late enrollment

Annual plan review


Local Examples for

Loudoun County

Ashburn, VA 20147


Plans for Loudoun County 20147

Plan Type

Number of

Plans

Offered

2018

Monthly

Premium

Insurers

[subject to change]

Medicare Advantage 13 $18 - $142

AARP/UHC, Aetna, Humana,

Kaiser Permanente,

Anthem BCBS

Medicare Supplement

(Medigap) 23 $41 - $183

AARP/UHC, Humana,

Humana Connect,

Cigna Total Choice,

Anthem BCBS

Part D 19 $18 - $93

AARP/UHC, Coventry,

Express Scripts, SilverScript,

Humana, Aetna, WellCare,

Anthem BCBS


Ancillary Plans for Loudoun County 20147

Plan Type

Number of

Plans

Offered

2018

Monthly

Premium

Insurers

[subject to change]

Vision 1 $14

$168 Annual

Vision Service Plan

(VSP)

Dental 9 $25 - $60

Renaissance,

Humana,

MetLife Dental,

Guardian, Ameritas


Medicare Advantage

Benefit 2018 Cost

Premium $19

Network HMO

Deductible $0

Doctor Copay $0 - $15, depending on service

Specialist Copay $40

Hospital $295 per days 1 - 6

Emergency Room $80

Rx – Deductible

Retail Co-Pay Tiers (30 days)

$190, does not apply to Tier 1 and Tier 2

$4 / $12 / $47 / $100 / 29%

Mail Order Co-Pay Tiers

(90 days) $0 / $0 / $131 / $290 / 29%


Medigap Plan F + Prescription Drug Plan

Based on a 65 year old male

Benefit 2018 Cost

Premium $164 ($138 Medical + $26 PDP)

Network Not Applicable

Deductible $0

Doctor Copay $0

Specialist Copay $0

Hospital $0

Emergency Room $0

Rx – Deductible

Retail Co-Pay Tiers (30 days)

$0

$5 / $18 / $44 / 48% / 33%

Mail Order Co-Pay Tiers

(90 days) $0 / $45 / $110 / 48%


Next Steps


What You Need to Do Schedule your enrollment call

Call now to complete your profile and schedule

an enrollment appointment

You will need your:

Medicare card

Prescription list

Doctors’ information

Hospital information

Contact Via Benefits @ 1+855-232-5748


Questions and Answers


1+855-232-5748


Call Now… We Are Ready!

helping you prepare for your upcoming medicare enrollment · plan type number of plans offered 2018...

Documents