under 65 participant welcome kit - mercerretiree.mercermarketplace.com/content/dam/mercer... ·...

This booklet contains important information on your health care coverage.

Under 65 Participant Welcome Kit

Mercer Marketplace 365SM* P.O. Box 14401, Des Moines, IA 50306-3401844.851.5426 (toll-free)800.695.1317 (TTY)857.362.2999 (fax) [email protected] http://retiree.mercermarketplace.com/MSIaccess

*Services provided by Mercer Health & Benefits Administration LLC.

Under 65 Participant Welcome KitPAGE 2

INCLUDED IN THIS KIT

WHO’S WHO .............................3There are many people supporting youthrough this transition. This list will help you understand the roles and responsibilities of each group.

WHAT YOU NEED TO KNOW ........4

Knowing what to do and what to expect will help you prepare for a smooth transition.

APPOINTMENT PREPARATION ............................5

Following these steps will help you get the most out of your consultation with a Benefits Counselor.

OVERVIEW OF PLANS .................6

Understanding the four different plan types available to you, and what factors may help you make a decision.

PREPARING TO ENROLL ..............7

These are questions to answer to help you prepare to enroll and items you will need to have ready before you enroll.

HEALTH CARE PROVIDER TRACKER ...................................8

List your important health careproviders to help determine whatkind of plan will best meet your needs.

PRESCRIPTION DRUG TRACKER ...................................9

Gather your prescriptions in one place to give you a head start toward making a sound selection.

HEALTH REIMBURSEMENTACCOUNT (HRA) .......................10

Important facts about your HRA.

NOTES .....................................11

Use this page to keep track of any items you wish to discuss when you talk to your Benefits Counselor.

Welcome to Mercer Marketplace 365. Having the right health care coverage to meet your needs and budget during retirement is important.That’s why Motorola Solutions, Inc. (“MSI”) is partnering with Mercer Marketplace 365 to provide resources that will help you choose a plan from a variety of health care coverage options.

You will shop for and enroll in your new coverage through Mercer Marketplace 365. You will have several options to choose from to meet your medical and prescription drug needs. Mercer Marketplace 365 and its Benefits Counselors are ready to support you as you transition to retirement. They will help you understand the different individual plans offered to you, determine the best plan for you, and help you enroll.

When you sign up for your new coverage through Mercer Marketplace 365, MSI will provide you with a subsidy to offset the cost of your health insurance. The subsidy will be placed in a Health Reimbursement Account (“HRA”) set up in your name. This is a special, tax-free account that you may use to reimburse yourself for insurance premiums. Page 10 provides more information about your Health Reimbursement Account. To be eligible for the subsidy, you must enroll for medical coverage through Mercer Marketplace 365.

You will have a dedicated Benefits Counselor from Mercer Marketplace 365. Your Benefits Counselor will help you compare your medical, prescription drug, critical illness, dental, and vision coverage options. You can also visit our website to compare your options and learn more about Mercer Marketplace 365. Refer to page 5 for more information about connecting with your Benefits Counselor.

In the meantime, review this Welcome Kit. It contains tools and exercises to help you prepare for your consultation. Completing the information in this booklet will make it easy for you and your Benefits Counselor to evaluate your options and get you enrolled.

Our team is excited to serve you in this program. You may reach Mercer Marketplace 365 Monday through Friday, from 8:00 a.m. to 5:30 p.m. EST at 1-844-851-5426 toll-free (TTY 1-800-695-1317) to set up a consultation with our Benefits Counselors who are available to support you during your enrollment period. Or, visit us online at http://retiree.mercermarketplace.com/MSIaccess at your convenience, 24 hours a day, seven days a week.

For additional information about Mercer Marketplace 365, including our compensation and privacy practices, please see the enclosed documents.

We look forward to working with you.

Mercer Marketplace 365


Who’s Who?You are not alone in this transition. MSI carefully evaluated the retiree health insurance market and selected a team of companies and individuals to support you throughout your enrollment and in the future.

MSI values their retiree relationships and continues to work to provide access to comprehensive programs that support the needs of retirees and their families. MSI research determined that the robust individual health insurance market offers retirees choice and flexibility in coverage options to maximize the value of your HRA dollars. To best support retirees with the service and support necessary for this transition, MSI evaluated several potential partners and has assembled the following team:

MERCER MARKETPLACE 365 Our Benefits Counselors are licensed insurance professionals who are available to assist you with this transition. They will help you learn how to evaluate and compare plans to select a strategy that best fits your needs.

When you have selected your plan(s), your Benefits Counselor will help you through the enrollment process to ensure that all information is submitted accurately and timely to the insurance carrier(s). Once you have enrolled, your Benefits Counselor continues to support you throughout the year with your reimbursement requests, HRA inquiries, and insurance advocacy.

INSURANCE COMPANIES You will be able to enroll in individual health plan policies offered by leading health insurance companies. Once you enroll in your selected plan, a new health insurance card will be issued to you directly by your new insurance carrier.

Our Benefits Counselors will help you through the change in health insurance and get the most out of your Health Reimbursement Account (HRA).


WHAT YOU NEED TO KNOW

Before your call with Mercer Marketplace 365 KEEP TRACK OF YOUR HEALTH AND PRESCRIPTION DRUG COSTS AND LIST YOUR PROVIDERS

Start by keeping track of your individual health care expenses. This step will prepare you for your call with your Benefits Counselor, and assist you in making sure you have a health care plan that is best for your situation. Use the Health Care Provider Tracker on page 8 to list your important providers. Use the Prescription Drug Tracker on page 9 to record your monthly prescriptions. Providing correct information in the trackers will help your Benefits Counselor at Mercer Marketplace 365 analyze your health insurance needs.

As soon as possible SCHEDULE A TELEPHONE CONSULTATION WITH YOUR BENEFITS COUNSELOR Call Mercer Marketplace 365 to schedule a one-on-one consultation with your Benefits Counselor. During this call, you should notify your Benefits Counselor if you will be “opting-out” of coverage.

Before you select a health care plan CONSULT WITH YOUR BENEFITS COUNSELOR AND PREPARE TO ENROLL IN YOUR HEALTH PLAN

Please take this opportunity to utilize your Benefits Counselor and his or her health insurance expertise. He or she will present you with all of your options so you can feel confident about the decision you are making.

To avoid a gap in your health care coverage ENROLL IN YOUR HEALTH PLAN Your coverage start date will not be retroactive, so please be sure to enroll in your health plan prior to your previous coverage ending. When you are ready to enroll in your new plan(s), call your Benefits Counselor at 1-844-851-5426 or (TTY 1-800-695-1317).

Post enrollment EXPECT YOUR ENROLLMENT PACKAGE

After submitting your enrollment, please watch for an enrollment package from your Benefits Counselor. This package will provide details on when to expect your insurance card(s), how to access your HRA, how to submit claims and when you will receive reimbursements.

Ongoing UTILIZE YOUR BENEFITS COUNSELORYour Benefits Counselor is your year-round advocate. Call your Mercer Marketplace 365 Benefits Counselor whenever you have questions about any health insurance related matters.


NEXT STEPS

Appointment PreparationFollow these steps to ensure that you are prepared for your phone consultation with a Mercer Marketplace 365 Benefits Counselor.

QUESTIONS FOR MY BENEFITS COUNSELOR

ACT QUICKLY for your new

health care plan to be effective as

applicable. 1 Call Mercer Marketplace 365 Monday through Friday between 8:00 a.m. and 5:30 p.m. ET at 1-844-851-5426 to schedule your one-on-one consultation with a Benefits Counselor.

Appointment Date____________________________

Time ______________________________________

Benefits Counselor ____________________________

Phone_____________________________________

2 Prepare for your appointment. To help guide your decision, please see the “Questions To Think About” section on page 6.

3 Complete the Health Care Provider Tracker and Prescription Drug Tracker forms included in this kit. Please mail, fax, or email this information 10-14 days before your appointment.

Email: [email protected]

Secure fax: 857-362-2999

Address: Mercer Marketplace 365 P.O. Box 14401 Des Moines, IA 50306-3401

Write down your questions or concerns in the space on the left side of this page. Your Benefits Counselor will take the time to explain your health care insurance options and answer any questions you have. Our goal is to help you select the health plan that best fits your needs.

4

5 If known, write down your current plan information below to discuss with your Benefits Counselor during your consultation:

Insurance Carrier ____________________________

Plan Name _________________________________


HOW IT WORKS

Questions to Think AboutAs you compare your health care insurance options, it is important to consider all the costs of the plan, not just the monthly premium. When determining your budget, remember to include other factors that go into your health care expenses, like prescriptions and provider visit co-payments. This will help you get a clear picture of the true cost differences among the insurance plans.

Below are some questions you and all family members who are under age 65 should consider. These will help determine the best plan at a cost you can afford:

Who do you want to enroll (who are under 65) and what are their dates of birth? How many times a year do you or your family visit the doctor?

How many ongoing monthly prescriptions do you have?

Are any other benefits such as children’s dental or chiropractic care important to you?

OVERVIEW OF PLANS

Understanding Your OptionsPlans are tiered and named after metals: Platinum, Gold, Silver, and Bronze. The cost sharing structure is different from tier to tier. But keep in mind that all of the plans, regardless of tier, combine both medical coverage and prescription coverage under one plan.

Platinum: typically, the premium payments are highest for this tier, but the expected out-of-pocket costs when seeking care are the lowest among the tiers.

Bronze: typically, the premium payments are the lowest for this tier, but the expected out-of-pocket costs when seeking care are the highest among the tiers.

Silver: typically, the premium payments are lower than Gold and higher than Bronze. The expected out-of-pocket costs when seeking care are slightly higher than Gold and lower than Bronze.

Gold: typically, the premium payments are lower than Platinum, but the expected out-of-pocket costs when seeking care are slightly higher.

Higher Premium Lower Premium

Lower out-of-pocket expense

Higher out-of-pocket expense


NEXT STEPS

Preparing to EnrollWhen you have your consultation with your Mercer Marketplace 365 Benefits Counselor, you will need to provide some of your basic household information. Use the checklist below to help you with some of the information you will need on your call:

Your Social Security Number (or other document ID number if you’re a legal immigrant).

Current income: either a pay stub, your W-2 tax form, or your most recent tax return.

Other income information: this could include unemployment checks, child support, veterans’ payments, alimony, retirement income or other sources.

People in your household: the number of people who you claim as dependents, whether or not they live with you.

Current health plan information: the type of current health insurance coverage you have and other health plans you may have access to in the year ahead.

ACT QUICKLY for your new

health care plan to be effective as

applicable.

KEEP IN MIND

When you EnrollAfter researching your health insurance plan options and gathering your basic household information as listed above, please keep in mind:

You have options for coverage: you may elect a plan that provides coverage for your family, or each family member can enroll in an individual plan.

You may have access to federal tax credits: when you call Mercer Marketplace 365, your Benefits Counselor will walk you through your options. He or she will make you aware of any available tax credits for which you may qualify, and how that will impact any HRA, if applicable.


Health Care Provider TrackerList your current health care providers on this sheet. Some health care plans like HMOs and PPOs use networks. Gathering your health care providers’ information here will help you and your Benefits Counselor compare access to your current providers. You also can contact your providers and ask them which health care plans they accept.

1. PRIMARY CARE PHYSICIAN

NAME___________________PHONE___________________

ADDRESS_________________________________________

2. SPECIALIST

NAME___________________PHONE___________________

ADDRESS_________________________________________

3. SPECIALIST

NAME___________________PHONE___________________

ADDRESS_________________________________________

4. OTHER

NAME___________________PHONE___________________

ADDRESS_________________________________________

5. OTHER

NAME___________________PHONE___________________

ADDRESS_________________________________________

Gathering your health care providers’ information will help determine if your providers accept the new health insurance you are considering.

TIPSome providers do not participate in certain HMO and

PPO plans. Please submit this worksheet 10-14 days prior to your scheduled consultation.

Mail, fax, or email to:

Mercer Marketplace 365

P.O. Box 14401, Des Moines, IA 50306-3401

Fax: 857-362-2999

Email: [email protected]

NAME________________________ PHONE______________ (PLEASE PRINT)


NAME________________________ PHONE______________ (PLEASE PRINT)

Prescription Drug Tracker(Please Print Clearly)

In order to construct an accurate cost analysis, we will need your complete and accurate drug information. For example, it is important to indicate the name of the drug that you are taking, and whether you are taking a BRAND or GENERIC version. Please note, over-the-counter medications, vitamins, and supplements are not covered by prescription drug plans and therefore are not required on this form.

IF THE SUPPLY OF A MEDICATION LASTS LONGER THAN ONE MONTH OR IS ONLY USED AS NEEDED (PRN), PLEASE TELL US HOW OFTEN IT IS ORDERED.

NAME OF MEDICINE(Excluding vitamins and over the

counter)

BRAND OR GENERIC

FORM AND DOSAGE

PACKAGE SIZE /

QUANTITY

MONTHLY(Quantities,

number of packages)

COST

Simvastatin 20 mg tablet 30 30

Timolol Maleate Opthalmic Sol 0.5% OP Sol 10 ml bottle 1 bottle per month

Nasocort AQ AER 55 mcg/AC 16.5 gm inhaler 1 inhaler per month

Ciclopirox Gel 0.77% gel 30 gm tube 1 tube per month

Lantus Solostar INJ 1 ml 3 ml pen (pack of 5)

10 pens (2 packs of 5 pens per month)

EXAMPLES:

B G

B G

B G

B G

B G

B G

B G

B G

B G

B G

B G

B G

B G

B G

B G

++

+B G+

+

Please complete one Prescription Drug Tracker per person. Please mail, fax, or email this worksheet 10-14 days before your scheduled consultation to:

Mercer Marketplace 365 P.O. Box 14401, Des Moines, IA 50306-3401

Fax: 857-362-2999 Email: [email protected]

IF THE SUPPLY OF A PRESCRIPTION DRUG LASTS LONGER THAN ONE MONTH OR IS ONLY USED AS NEEDED (PRN), PLEASE TELL US HOW OFTEN IT IS ORDERED.


Your HRA through Mercer Marketplace 365

ONLINE ACCESS OF YOUR HRA

Once your eligibility has been confirmed by your employer, you will be able to access your HRA information 24/7 by taking the following steps:

1) Visit http://retiree.mercermarketplace.com/MSIaccess In the far right box, outlined in red below, click ‘LOG IN.’ Use the primary account holder’s information to log in to access your HRA .

2) Next, in the red box outlined below, enter your Social Security Number (omit any dashes) as your User Name, and your Date of Birth (MMDDYYYY) as your password. You will be prompted to change your password after you complete this initial log in. (This is a secure site.)

3) From your dashboard, shown below, you can:

• View your account balance

• Submit claims and check their status

• Set up or edit direct deposit

• Access many other convenient features

WHEN TO EXPECT REIMBURSEMENTS FROM YOUR HRA

Approved claims received Monday through 12 p.m. EST on Friday will be reimbursed Friday of the following week, excluding bank holidays. Direct deposits are made that Friday. Hard checks will be issued Friday and take approximately 3-5 business days to be delivered.

MSI is providing an HRA for their retirees and eligible dependents. This HRA may be used for Individual Health, Prescription Drug, Dental, Vision, and Critical Illness plan(s). You will first pay your premiums directly to your insurance carriers, then be reimbursed by Mercer Marketplace 365 from your HRA account. Because Mercer Marketplace 365 is administering these HRA reimbursements, you will have one place to call for all your insurance and reimbursement needs. Any change to the program will be provided via direct communication from MSI.

> Who’s covered? Pre-65 MSI retirees and their eligible dependents, if they elect health insurance coverage through Mercer Marketplace 365.

> How can I use the HRA? You can be reimbursed for certain eligible health care expenses (for example, your monthly premiums, and other eligible out-of-pocket expenses, including co-payments, coinsurance, and deductibles).


NOTES AND QUESTIONS FOR A BENEFITS COUNSELOR

under 65 participant welcome kit - mercerretiree.mercermarketplace.com/content/dam/mercer... ·...

Documents