your prescription for a healthy retirement 2009 health care choices for borgwarner retirees

Your Prescription for a Healthy Retirement

2009 Health Care Choices for BorgWarner Retirees

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Today’s Agenda

Recap of what’s changing Pre-Medicare information

BorgWarner pre-Medicare benefits Preview of BorgWarner post-65 benefits Next steps for pre-65 retirees

Medicare information Introduction to UnitedHealthCare Medicare options education Next steps for Medicare retirees

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Icons to Help You

= Important concept

= Alerts you on “to do” items

= Decision-support tools

www.BorgWarner.com/retirees

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Recap of What’s Changing & Why

BorgWarner has NOT eliminated your coverage; it’s being delivered differently

Coverage is more flexible; choose individual coverage that meets your health care needs Plans can vary for you and your dependents

More choice and better options for coverage are now available to retirees over 65 United HealthCare’s role in helping you choose

Tax-free reimbursement accounts Retiree Reimbursement Accounts (RRA)

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Recap of What’s Changing on 1/1/09

IF YOU ARE MEDICARE ELIGIBLEIF YOU ARE UNDER AGE 65

Medicare continues to be your primary coverage

Your BorgWarner supplemental coverage ends.

The company sets up a Retiree Reimbursement Account (RRA)

United HealthCare, our Retiree Plan Coordinator, is available to help you assess, select and enroll in the Medicare Supplement

plan that is right for you.

Continue BorgWarner medical and Rx coverage until Medicare eligible

If retired with 25 years of service or more:

You pay 10% BorgWarner pays 90%

If retired with less than 25 years of service:

You pay 15% BorgWarner pays 85%

The retiree’s benefit is based on the retiree’s age. The dependent’s benefit is based on dependent’s age. Plans are individual, not by household.

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Borg Warner

Pre-MedicareCoverage

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If you or your dependents are not eligible for Medicare…

You remain on a BorgWarner pre-Medicare health care plan until Medicare-eligible CIGNA is your plan administrator

You will be required to complete a 2009 enrollment form during 4th quarter 2008

Your Prescription Drug coverage will move to CIGNA health care from Express Scripts

Health Plan questions should be directed to: 1st - CIGNA 2nd – See your Wallet Card

Retiree Pre-Medicare Coverage - BorgWarner

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*assumes 5% trend on 2007 BW PreMedicare Plan experience

Pre-Medicare 2008 2009

Plan Choices

1. PPO Plan2. Choice Health Fund

(for retirees after 1/1/07)

3. POS (some locations)

(same as active employees)

1. PPO Plan2. Choice Health Fund

(same as active employees)

Contribution Share

5 tiers based on years of service

2 tiers based on years of service

Monthly $ Contribution

$12 - $450 single$27 - $138 family

for PPO Plan

Estimated per member$52* @ 10%$78* @ 15%Compared

to 41% average

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CORE PPO PLAN CHOICE HEALTH FUND

Medical In-network Out-of-network In-network Out-of-network

Deductible $400 single$800 family

$800 single$1,600 family

$1,500 single$3,000 family


Coinsurance for most services

80% afterDeductible

60% afterDeductible

80% afterDeductible

60% afterDeductible

Company-paid HRA

N/A $750 single$1,500 family

Member Gap(Deductible - HRA)

N/A N/A $750 single$1,500 family


Out-of-PocketMaximum(Includes deductible)

$3,000 single

$6,000 family

$6,000 single

$12,000 family

$3,000 single

$6,000 family

$6,000 single

$12,000 family

Plan details will be mailed to you during open enrollment

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Retiree Pre-Medicare Rx Coverage - BorgWarner

Plan details will be mailed to you during open enrollment

Coverage LevelCIGNA Pharmacy(30-day supply)

CIGNA Mail-order Service(90-day supply/delivery)

Non-Specialty Drugs

Tier 1 - Generics $8 $16

Tier 2 - Preferred Brand (Formulary) $8 + 30% 30% to max of $150

Tier 3 - Non-Preferred Brand $8 + 50% 50%

Specialty Drugs (30 day supply/mail order delivery)

Tier 2 - Preferred Brand (Formulary) 30% to max of $50

Tier 3 - Non-Preferred Brand50% to max of $100

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When you turn age 65…

Before Medicare Eligibility –

BW medical & Rx coverage

Age 65 or Disability –

BW coverage ends

• New RRA from BW helps pay for Medicare supplement coverage

• BW provides United HealthCare as a Retiree Health Care Coordinator to help you choose medical/Rx coverage and enroll

PRE-MEDICARE MEDICARE Age

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Next Steps (For Pre-65)

Early October

2009 Enrollment Packet mailed

November 15th

BorgWarner Pre-Medicare Enrollment Enrollment Form Must Be Returned to Have Coverage

December Receive your CIGNA medical ID cards

January 1 Contribution changes take effect Begin sending premium payments to Premium Service Ctr

Now until age 65

Talk with others about their Medicare decisions Expect changes in the Medicare marketplace

3 months before you turn 65

Apply for Medicare Part A & B Talk with UHC’s Retiree Health Care Coordinator to

determine the type of coverage that is best for you Enroll in the Medicare Plans you choose

Age 65 Retirement Reimbursement Account established for you Medicare coverage begins

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Rx for a Healthy Retirement


Pre-Medicare

QUESTIONS?

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Medicare-Eligible Retirees

Prescription for a Healthy Retirement: PART 2

Medigap

RetireeReimbursemen

tAccount

Pre-MedicareCoverage

MedicarePart D

MedicarePart C

MedicarePart B

MedicarePart A

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Introducing UnitedHealthcare

Private Insurance Provider of Medicare Products

Offers you Medicare Advantage (Part C), Rx (Part D) and Medigap Plan Options

Similar to other leading providers such as CIGNA, BlueCross BlueShield, AETNA, and Humana

RRA Administrator Manages the Retiree

Reimbursement Account (RRA)

Retiree Health Plan Coordinator

Access to call center and website

Expert guidance to help you choose Medicare Supplement Plan that’s right for you

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RetireeReimbursem

entAccount

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Overview An account that reimburses you for qualified health care premiums & expenses.

Credits to your account

When you become eligible for Medicare, the Company will make a credit to your account each month. When your spouse becomes eligible for Medicare, the Company will make a credit into your spouse’s account each month.

Amount of credits

$158.34/month for each Medicare eligible-person (may be adjusted periodically to help offset inflation).

Interest Your account does not earn interest.

Retiree Reimbursement Account

For Medicare-eligible employees, spouses and dependents

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Tax advantages

You never pay taxes on the money credited to your account or when you are reimbursed for qualified expenses. More value to you than if the funds were paid to you as taxable income.

Using your account

Money is paid from your account when you submit a claim for reimbursement.

Eligible expenses

Funds can be used for premiums for private health insurance, for Medicare or Medigap premiums, and for any deductibles, copays or coinsurance that may be left after your health insurance pays. This includes Dental and Vision premiums not paid by the plans.

Year-end If you don’t use all the money in your account by year end, it is forfeited in March of the following year.

At Death Accounts are closed when the account-holder dies. If you die before your spouse, and your spouse is eligible for surviving spouse benefits, your spouse’s account continues for his or her lifetime.

Retiree Reimbursement AccountFor Medicare-eligible employees, spouses and dependents

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Your RRA Account

If you have questions about your RRA, you can call the RRA Financial Call Center at 866-214-5385

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Using Your RRA Account

BorgWarner credits your account monthly

You pay premiums* and out-of-

pocket medical

expenses

You send your receipt and claim form to UHC

You receive reimbursement

* If you choose UHC insurance, premiums will be deducted directly from your RRA

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Retiree Health Coordinator: Needs Assessment

United HealthCare helps you choose the best Retiree Health Plan for you

How frequently do you access care?

Are you looking for a plan that is very similar to your current coverage? Or, are you more interested in lower monthly payments with predictable copayments?

Do you live in a different state for part of the year?

Do you travel frequently and/or internationally?

Would you prefer complete freedom in selection of the doctors you see?

Are you comfortable with using a network provider? Are there specific doctors that need to be in the network?

What specific medications you are taking to verify coverage under our plan?

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Medicare Plan Options

Medicare Part A

•Hospital stays •Skilled nursing services

Medigap •Also known as Medicare Supplement Plan. Private insurers •“Fill in the gaps” of Medicare Parts A and B.

Medicare Part B

•Doctor’s visits •Outpatient medical services, such as labs.

Medicare Part C

•Also known as Medicare Advantage. •private insurers - PPOs, HMOs or other arrangements•You must enroll in and pay for Part B coverage to get Part C coverage

Medicare Part D

•Prescription Drug coverage •Private insurance companies

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What Do Medicare Plans Cost?$0

$25

$50

$75

$10

0

$12

5

$15

0

$17

5

$20

0

Medicare Advantage “Part C Plan”

RX- “D”

AARP Medicare Supplement

Individual Alternatives for Post-65 Health Coverage

Monthly Health Care Cost Continuum

Opt

Out

/No

Cov

erag

e

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Medicare Part A

Automatic enrollment when you apply for Social Security

Provides help with the cost of hospital stays Some skilled nursing services and care

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Medicare Part B – 2008

Medicare Part B Overview: $135 deductible 80%/20% coinsurance Enrollment window

3 months prior to birthday month thru 3 months after birthday month

Be sure to

be in

Part B!

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Medicare Part B – 2008

The Part B premium is determined by an income test

Medicare members annual income:

Medicare members joint tax return income:

Total monthly premium amount

≤ $82,000 ≤ $164,000 $96.40

> $82,000 and ≤ $102,000 > $164,000 and ≤ $204,000 $122.20

> $102,000 and ≤ $153,000 > $204,000 ≤ $306,000 $160.90

> $153,000 and ≤ $205,000 < $306,000 and ≤ $410,000 $199.70

> $205,000 > $410,000 $238.40

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Part C Plans – Advantage Plans

Many Options offered by private insurers… Health Maintenance Organization Plans (HMOs) Preferred Provider Organization Plans (PPOs) Special Needs Plans (SNP) Private Fee for Service Plans (PFFS)

Annual enrollment period Replaces Medicare A&B

Must be enrolled in A&B to get Part C Plan

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HMO-type plans• Network of doctors and hospitals• Primary care physician • Some plans include prescription drug

coverage and additional benefits

PPO-type plans• Have more freedom to choose • Use network of doctors and hospitals

to receive the maximum benefit• Outside the network a higher cost • Some plans include prescription

drug coverage and additional benefits

A Closer Look at HMO and PPO Plans

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Special Needs Plans• Designed for people with

special health care needs• Residents of nursing homes• People eligible for both

Medicare and Medicaid• People with certain chronic

diseases such as diabetes or heart disease

• Focus on helping members receive more coordinated care• Holistic, proactive approach• Specialized care team• Enhanced education and

communication

Coordinated Care Plans

CARE TEAM

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• Offered by private insurance companies

• No restrictions on which doctors or hospitals you can use EXCEPT

• Doctors and hospitals must accept the terms, conditions and payment rates of the private insurance company• Payment comes from the private fee-for-

service plan not Medicare• Important to make sure your doctor or hospital

will accept terms, conditions and payment rates from a specific plan each time you receive services

• Many plans may offer prescription drug coverage

• Many plans may offer additional benefits beyond traditional Medicare Parts A & B

Private-Fee-For-Service Plans

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Medicare Advantage Plan Scenario #1

“Good Health” Hank – Age 67 – Illinois Generally in good health Takes 1 generic prescription drug each month, via mail order No hospitalizations 4 primary care office visits per year 2 specialist office visits per year

Current BorgWarner Plan Medicare Advantage Plan

Annual Medical Premium $0 $0

Annual RX Premium $0 $0

Drug Cost Share (mail) $64 ($16 x 4 orders)

$48 ($12 x 4 orders)

Hospital Cost Share $0 $0

Office Visit Cost Share $430 ($400 deductible then 20%)

$88 ($8 PCP x 4, $28 Specialist x 2)

SUB TOTAL $494 $136

Annual RRA Credit $0 ($1,900)

TOTAL ANNUAL

COST TO YOU

$494 $0 with $1,764 remaining for other expenses

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“Moderate” Mildred, Age 81, Central New York Takes 2 generic drugs and 1 preferred brand-name drug each month, via mail

order 1 hospital stay, length of 3 days 3 primary care office visits per year 8 specialist office visits per year




Drug Cost Share $372 ($16 x 2 x 4 orders + $61 x 4 orders)

$482 ($12 x 2 x 4 orders + $84 x 4 orders)

Hospital Cost Share $1,024 ($400 deductible then 20%)

$975 ($325 daily copay x 3)

Office Visit Cost Share $245 (20%) $270 ($10 PCP x 3, $30 Specialist x 8)

SUB TOTAL $1,641 $1,677


TOTAL ANNUAL

COST TO YOU

$1,641 $0 with $223 remaining for other expenses


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Medicare Advantage Plan Scenario #3“Chronic Condition” Carol, Age 66, Michigan Takes 5 generic drugs and 2 preferred brand-name drugs each month, via mail

order 2 hospital stays, total of 5 days 12 primary care office visits per year 10 specialist office visits per year




Drug Cost Share $808 ($16 x 5 x 4 orders + $61 x 2 x 4 orders)

$1,362 ($12 x 5 x 4 orders + $84 x2 x 4 orders +

$450 for brand in cvg gap)


$625 ($125 copay x 5)

Office Visit Cost Share $0 (mbr reached annual OOP max) $260 ($5 PCP x 12, $20 Specialist x 10)

SUB TOTAL $2,708 $2,247


TOTAL ANNUAL

COST TO YOU

$2,708 $347

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“Specialty Drug” Sam, Age 69, Florida Takes 2 generic drugs at retail, plus 1 non-preferred specialty drug 1 hospital stay, length of 3 days 12 primary care office visits per year 5 specialist office visits per year




Drug Cost Share $7,392 ($8 x 5 x 12 orders + 50% specialty drug @

$1200 per month)

$4,579 ($4 x 2 x 12 orders + 33% of specialty up to

gap + 5% specialty after OOP)


$300 ($100 copay x 3)


SUB TOTAL $8,721 $5,099


TOTAL ANNUAL

COST TO YOU

$8,721 $3,199

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Medigap

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AARP Medigap Options

1] $4,440 maximum out of pocket, indexed to Medicare costs[2] $2,220 maximum out of pocket, indexed to Medicare costsX = Covered in Full

The above rates are monthly premium 2008 national weighted averages

“Best Seller/Value”

2008 AARP MEDICARE SUPPLEMENT PORTFOLIO

PLANA B C D E F G H I J K3 L4

Basic Benefits:Hospitalization: Part A coinsurance + 365 additional days after Medicare benefits endMedical-Expenses: Part B coinsuranceBlood: First three pints of blood each year

x x x x x x x x x x 1 2

Part A Deductible x x x x x x x x x 50% 75%

Skilled-Nursing Coinsurance x x x x x x x x 50% 75%

Foreign-Travel Emergency x x x x x x x x

At-Home Recovery x x x x

Part B Excess Charges 100% 80% 100% 100%

Part B Deductible x x x

Preventive Care x x x x

Average Monthly Premium(2008 nationally weighted averages)

$112 $146

$172 $157 $161 $171 $161 $158 $166 $178 $79 $113

2008 Membership - % of Total Enrolled 4% 4% 25% 2% 3% 42% 2% .7% 3% 13% .4% .3%

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AARP Medigap Options

Enrollment Into Medigap

When turn 65 AND enroll in Medicare B, guaranteed right to buy a Medigap policy for next six months. Miss window, you can apply at later date but risk rejection for health history

or paying a higher premium

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Medigap Plan Scenario #1“Good Health” Hank – Age 67 – Illinois Takes 1 generic prescription drug each month, via mail order No hospitalizations 4 primary care office visits per year 2 specialist office visits per year


Medigap Plan L +

Pfd Part D Rx Plan

Annual Medical Premium

$0 $0 $1,121 ($93.42 X 12)

Annual RX Premium $0 $0 $360 ($30 X $12)

Drug Cost Share $64 ($16 x 4 orders)

$48 ($12 x 4 orders)

$0 ($0 X $4 orders)

Hospital Cost Share $0 $0 $0

Office Visit Cost Share

$430 ($400 deductible then 20%)

$88 ($8 PCP x 4, $28 Specialist x

2)

$239 ($135 deductible then 25%)

SUB TOTAL $494 $136 $1,720

Annual Account Balance

$0 ($1,900) ($1,900)

TOTAL ANNUAL

COST TO YOU

$494 $0 with $1764 remains for other expenses

$0 with $180 remaining for other expenses

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Medigap Plan Scenario #2

“Moderate” Mildred, Age 81, Central New York Takes 2 generic drugs and 1 preferred brand-name drug each month, via mail order 1 hospital stay, length of 3 days 3 primary care office visits per year & 8 specialist office visits per year

Current BorgWarner Plan Medicare Advantage Plan Medigap Plan L +

Pfd Pt D RX


$0 $0 $1,200 ($100.26 x 12)

Annual RX Premium $0 $0 $358 ($29.80 x 12)

Drug Cost Share $372 ($16 x 2 x 4 orders + $61 x 4

orders)

$482 ($12 x 2 x 4 orders + $84 x 4

orders)

$300 ($0 x 2 x 4 orders + $75 x 4

orders)


$975 ($975 ($325 copay x 3)

$256 (25% of Part D deductible)


$407 ($135 deductible, 25%)

SUB TOTAL $1,641 $1,677 $2,524

Annual Account Balance

$0 ($1,900) ($1,900)

TOTAL ANNUAL

COST TO YOU

$1,641 $0 with $223 remains for other expenses

$624

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Medigap Plan Scenario #3“Chronic Condition” Carol, Age 66, Michigan Multiple chronic illnesses Takes 5 generic drugs and 2 preferred brand-name drugs each month, via mail order 2 hospital stays, total of 5 days 12 primary care office visits per year & 10 specialist office visits per year

Current BorgWarner Plan

Medicare Advantage Plan

Medigap F + Enhanced Pt D RX


$0 $0 $1,348 ($112.35 x 12)

Annual RX Premium $0 $0 $768 ($64 x 12)

Drug Cost Share $808 ($16 x 5 x 4 orders + $61 x 2 x 4

orders)

$1,362 ($12 x 5 x 4 orders + $84 x2 x 4 orders+$450 for brand cvg gap)

$1,050

($0 generic x 5 x 4 = $75 x 2 x 4 + $450 brand drug in cvg gap)


$625 ($125 copay x 5)

$0

Office Visit Cost Share $0 (mbr reached annual OOP max)

$260 ($5 PCP x 12, $20 Spclist x 10)

$0

(plan pays Pt B deductible & coinsurance)

SUB TOTAL $2,708 $2,247 $3,166

Annual RRA Credit $0 ($1,900) ($1,900)

TOTAL ANNUAL

COST TO YOU$2,708 $347 $1,266

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Medigap Plan Scenario #4“Specialty Drug” Sam, Age 69, Florida Takes 2 generic drugs at retail, plus 1 non-preferred specialty drug 1 hospital stay, length of 3 days 12 primary care office visits per year 5 specialist office visits per year


Medigap L + Enhanced Pt D Rx

Annual Medical Premium $0 $0 $1,200 ($100.03 x 12)

Annual RX Premium $0 $0 $732 ($61 x 12)

Drug Cost Share $7,392 ($8 x 5 x 12 orders + 50% specialty

drug @ $1200 per month)

$4,579 ($4 x 2 x 12 orders + 33% of

specialty up to gap + 5% specialty after OOP)

$4,651 ($7 x 2 x 12 + 33% specialty to

gap, 5% after OOP)


$300 ($100 copay x 3)

$256 (25% of Part D deductible)


$482 ($135 deductible + 25%)

SUB TOTAL $8,721 $5,099 $7,321

Annual RRA Credit $0 ($1,900) ($1,900)

TOTAL ANNUAL

COST TO YOU$8,721 $3,199 $5,421

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MedicarePart D

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Sample AARP MedicareRx Preferred – 2008 Part D Plan

• Benefits shown above apply until the total cost (paid by you and the Plan) of prescriptions received reaches $2,510 in eligible expenses. You will be responsible for 100% of the cost until your out of pocket expenses reach $4,050.

• Catastrophic coverage in accordance with Medicare regulations.

* Mail Order – up to 90 day supply; members may also obtain a 90 day supply at network retail pharmacies for the same copayment

Tier Type Member Cost

Monthly premiums vary by region: $26.60 - $38.30 per member

$0 annual deductible Retail Mail Order*

1 Generic $7 copay $0 copay

2 Preferred Brand $30 copay $75 copay

3 Non-Preferred Brand $69.15 - $80.70 copay $192 - $227 copay

4 Specialty Drugs 33% coinsurance 33% coinsurance

Ideal for 70%+ of BorgWarner seniors…

Great deal!

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AARP MedicareRx Plan Offers A Broad Formulary

99% of Part D allowable drugs are in our current formulary structure

Drug exclusions include: Drugs ending in “am” used to treat anxiety

Alprazolam Clonazepam

Erectile dysfunction drugs Folic acid Cough/cold symptom relievers

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AARP MedicareRx Plan

How does it work at the pharmacy? Brand preferred drug costs $75

You pay $30 copay Plan pays $45 $75 applies toward the $2510

Brand non-preferred drug costs $150 You pay $75.40 copay Plan pays $74.60 $150 applies toward the $2510

Generic drug costs $15 You pay $7 copay Plan pays $8 $15 applies toward the $2,510

Full cost of the Rx counts toward $2,510

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RX Coverage – Donut Hole Example

Plan Pays

You Pay

$2,510You Pay

100% $4,050

Plan Pays95%

You Pay

=+

Cost Sharing “Donut Hole” Catastrophic

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Choosing Rx Coverage

Annual enrollment period Comparing Prescription Drug options is

complicated Use calculator at www.medicare.gov Talk with UHC

Comparison-shop Be sure you understand how the prescription drug

plan you select works! If considering a Medicare Advantage (Part C) plan

that includes both medical & Rx coverage, you may not need a Part D plan – so consider it when comparison-shopping

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Special Note about Rx

Be sure you arrange for prescription drug coverage for 2009 – enrollment is not automatic! Medicare Part C – Medicare Advantage Plan – with “built in”

prescription drug coverage; or Part D (AARP MedicareRx Preferred)

If you don’t enroll for 2009, you’ll generally have to pay a higher premium to receive coverage in future years

BW Rx coverage

12/31/08 – BW coverage ends

You need new Rx coverage for 2009!

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Your Retiree Health Plan Coordinator

United HealthCare can provide expert guidance to help you choose and enroll in the health plan that is right for you Knowledgeable representatives who understand

retirees and retiree health care choices No cost – you do not receive a discount or pay

extra in premium for plans selected with the help of a Coordinator

Reach by phone or Web 1-800-929-2300 www.aarpmedicaresolutions.com

Remember, at the very least, enroll in Part B, and Part D or a Medigap Plan before 12/31/08!

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Enrollment into Your Plan Choices

Once you’ve selected a plan you will receive a personalized enrollment kit sent to your home from United HealthCare

1-800-929-2300 number available to answer questions and/or provide assistance with application

Contact call center or refer to Medicare Made Easy booklet for Medicare enrollment periods

Once enrollment is processed, you will receive a Welcome Kit that includes your ID card

Enrollment is effective January 1st

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What Happens Next

Now Access to UHC’s Retiree Health Plan Coordinator Call Center and online Decision Tools

Late August Educational letter and AARP Medicare Made Clear information mailed to you from UHC

Mid-September Retiree Packet outlining options and action items mailed to you from UHC

OctoberSpecial BorgWarner Retiree UHC Plan Enrollment Period

UHC will hold one-on-one sessions with Retiree Health Plan experts in major cities

Eligible to enroll in a Medicare Advantage or Prescription Drug plan

November 15-December 31Enrollment period for non-UHC Medicare plans

National Medicare open enrollment period (Every year, you automatically will be re-enrolled in your 2009 choice, unless you make a change)

December 31 BorgWarner post-65 coverage ends

January 1 Retiree Reimbursement Accounts opened New Medicare Plan starts

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Summary

Watch for information in your mail box

Pre-Medicare – information from BorgWarner

Medicare – information from United HealthCare’s programs: Secure Horizons AARP Medicare Solutions Optum Health Financial Services

Refer to your wallet card

We expect that this retiree medical program will benefit our retirees for a long time into the future, but we reserve the right to change or even terminate the program if it becomes necessary or appropriate for business, legal or other reasons determined by BorgWarner

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Your Prescription for a Healthy Retirement

2009 Health Care Choices For BorgWarner Retirees


your prescription for a healthy retirement 2009 health care choices for borgwarner retirees

Documents

medicare retirees

borgwarner retirees

medicare supplement

medicare eligibleif

medicareeligible cigna

individual coverage

borgwarner post

rx coverage