Health Insurance Resource Guide

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Health InsuranceResource Guide

What’s InsideAbout This Resource Guide . 1Finding the Right Medical Coverage for You . 2Understanding the Basics . 3Decide Which Type of Plan Is Right for You . 5Research Your Medical Plan Options . 7Enroll.8Researching a Dental Plan .9Brokers . 10Medical Contact Information by State . 11Important Legal Information . 22

About This Resource GuideTo help you explore potentially more cost-effective medical and/or dental plans, thisHealth Insurance Resource Guide provides a good starting point, including: Basic health care terminology; An overview of the difference between the public Health Insurance Marketplaceand private insurers; Contact information for the public Health Insurance Marketplace (eitherfederally- or state-facilitated) in your state—you can enroll in a plan directlyeither online or by phone; Contact information for a sampling of the insurance carriers that provide privateplans available for purchase* in your state—you can enroll in a plan directlythrough the carrier of your choice online or by phone; Information about how to shop for a dental plan and a list of dental plan options.* Please note that the enclosed provider list may change and is not all-inclusive, nor is it anendorsement of particular carriers.A couple of examples of brokers are provided in this guide (see page 10). You maywish to contact a broker if you need further assistance in researching the plans andpricing available in your area. Please keep in mind that individual brokers are notemployed by or agents of 3M and 3M does not endorse or recommend and is notresponsible for any advice, actions, views, opinions or statements of the brokers.1

Finding the Right Medical Coveragefor YouThere are three main steps to help you find the rightcoverage:Understand the basics What is the 3M non-Medicare Health Reimbursement Arrangement (HRA)?(See page 3 for more details.) Am I eligible to receive the Premium Tax Credit (or “subsidy”) and what are theadvantages of receiving that subsidy? (See page 3 for more details.) How do the public and private Health Insurance Marketplaces work?(See page 4 for more details.)Research your medical plan options Compare prices, plan coverage, providers and other features for the followingtwo options:–Public Health Insurance Marketplace (or “exchange”) plan options in yourstate (see overview on page 4).–Individual plan through a private insurer in your state(see overview on page 4). Review the plans that are available in your state either through the public orprivate marketplace. (See pages 11-21 as a starting point to research qualifiedhealth plans.)Enroll by the 15th of the month prior to your desiredeffective datePublic ExchangeCall or enroll online through theExchangeIf eligible and paying with PremiumTax Credit:Private insuranceCall or enroll online through privateplan or brokerCall 3M FIRST Line Center to deferyour HRA2

Understanding the BasicsUse your 3M non-Medicare HRA to help pay yourpost-tax medical and/or dental premium The 3M non-Medicare HRA can be used to help pay your post-tax premiums fora medical plan in the public Health Insurance Marketplace or through a privateinsurer. Effective Jan. 1, 2016, it can also be used to pay your post-tax dentalplan premium.Find out if you qualify for a premium tax creditSome people may qualify for a premium tax credit to help pay their premium or outof-pocket costs.To find out if you qualify, you will need to visit the exchange site for your state.See the contact information by state beginning on page 11. You will need to providefinancial and other information, so make sure you have the following information: W-2 forms Pay stubs or tax returns Social Security Numbers for all those applying for coverage Policy numbers for any current health coverage you and all members of yourhousehold may have Employer informationNote: You may only receive the premium tax credit if you enroll in a plan through thepublic Health Insurance Marketplace.If you take advantage of a premium tax creditIf you are eligible for a premium tax credit and choose to receive the credit byenrolling in a public Health Insurance Marketplace Plan: You are not allowed to use your 3M HRA credits to help pay your medical ordental premiums, because the government doesn’t allow individuals who receivethe premium tax credit to also participate in an HRA. Notify 3M FIRST Line Center of your decision, otherwise you may have taximplications. Call (888) 611-5500 (toll free). You may save the credits in yourHRA account for future use (such as when you become Medicare eligible).3

What is the public Health Insurance Marketplace?Your state Health Insurance Marketplace is a one-stop shop that allows you and yourfamily to compare health insurance plan prices, quality and benefits, select the planthat’s best for your needs, and enroll in it.The public Health Insurance Marketplaces are available in each state and are operatedby the state, by the federal government or through a partnership between the stateand federal government. The health plans in the marketplace are offered by privatehealth insurance companies and must cover certain services as directed by your stateand the federal government.How does the public Health Insurance Marketplacework?You will be able to enroll online or speak with a representative to help you finda health insurance plan that meets your needs. Each state’s Health InsuranceMarketplace will offer a range of plan choices, and each will provide its own setof benefits and have its own cost. But all the plans available through the publicHealth Insurance Marketplace will have some benefits in common: Preventive care services, like routine check-ups and well-baby care visits,will be covered at 100%—you pay nothing. No lifetime dollar maximums, or dollar caps, on essential health benefits. Thoseinclude hospitalization, outpatient services, maternity care, prescription drugs,emergency care and preventive services. Limits on how much an individual pays out-of-pocket (such as a copay,coinsurance or annual deductible) in any given year.How do the public and private marketplaces compare?Here are some important facts to know:Public exchangeIndividual plans in theprivate marketplaceInsurersOffered through the federalgovernment, the state or apartnership between the twoOffered by insurancecompanies, benefitsbrokerages and various otherorganizationsPremium TaxCreditPremium tax credit availabledepending on householdincomeNo premium tax creditavailable4

Decide Which Type of Plan Is Rightfor YouLevels of coverageWhen you choose health coverage, you have a choice to spend more up front and payless when you receive care, or you can spend less up front and pay more when youreceive care. The public Health Insurance Marketplace classifies plans according tohow much they cost and how much they cover. The levels of coverage are brokendown into tiers:TierPercentage of healthcare costs ial out-ofpocket costsLowerHigherHigherLowerKey terms to knowAnnual Deductible—The annual deductible is an amount you pay out-of-pocket each yeartowards the cost of certain covered care before your plan begins to pay coinsurance.Coinsurance—The percentage you pay for covered health care services and prescriptiondrug costs after you’ve satisfied the annual deductible, if applicable. The percentage variesby health insurance plan.Copayment—A fixed dollar amount that you pay for certain services at the timeof service.Drug Formulary—This is a list of prescription drugs, both generic and brand name, used bypractitioners to identify drugs that offer the greatest overall value.Out-of-Pocket Costs—These are your expenses for medical care that are not reimbursed byyour health plan. They include annual deductibles, coinsurance and copayments for coveredservices, plus all costs for services that are not covered.Out-of-Pocket Maximum—The out-of-pocket maximum is the most you pay during thecalendar year before your health plan begins to pay 100%. This generally includescopayments, annual deductibles and coinsurance payments. This limit never includes yourpremium, balance-billed charges from health care providers, or health care your health plandoesn’t cover.5

Through the public Health Insurance Marketplace or aprivate insurer, you will be able to select the right typeof plan.You can choose from a number of plans, including: HMOs (health maintenance organizations) and EPOs (exclusive providerorganizations): In these types of plans, you pick one primary care physician. You need a referral before you cansee any other health care professional (except in an emergency), and visits tohealth care professionals outside of your network typically aren’t covered byyour insurance. PPOs (preferred-provider organizations): In a PPO plan, you don’t need a primarycare physician or a referral to see other health care professionals. You’ll paylower costs when you stay in the plan network. POSs (point-of-service plans): POS plans combine the features of an HMO and aPPO. Like an HMO plan, you may be required to designate a primary carephysician who provides referrals to specialists when needed. Like a PPO plan,you’ll pay lower costs when you stay in the plan network. HDHPs (high-deductible health plans): HDHP premiums are lower than premiumsin other types of plans in exchange for the responsibility of paying higher costsout of your pocket (up to a maximum limit) when you receive care. HDHPs alsoprovide the opportunity to contribute pre-tax dollars to a Health SavingsAccount (HSA).Learn more about the plans available.Option 1: Explore the public Health Insurance Marketplace (or exchange) by state.Option 2: Explore individual plans offered through private insurers by state.Premium tax creditWhen purchasing health coverage in your state marketplace, you may be eligible for apremium tax credit based on your household income and family size. These thresholds willbe adjusted over time to keep pace with inflation. The threshold is slightly higher in Alaskaand Hawaii, where cost of living is higher.Two types of subsidies are available: A premium assistance tax credit and cost-sharingassistance may also be available. In addition, if your income falls below certain levels, youmay qualify for Medicaid, or your children may be eligible for the Children’s HealthInsurance Program (CHIP). You can find out if you qualify for any of these programs whenyou fill out your state’s Health Insurance Marketplace application.6

Research Your Medical Plan OptionsUnderstand your coverage optionsYou and your eligible non-Medicare dependent(s) may enroll in one of the followingoptions: A health care plan through the public Health Insurance Marketplace (also knownas the “exchange”); or A health care plan through a private insurer, which could include your spouse'splan or another employer's plan if you become employed somewhere else.If you wish to research your options in the public Health Insurance Marketplaceand/or through a private insurer, consider the following:What level of coverage do you need?You have a choice to spend more up front and pay less when you receive care,or you can spend less up front and pay more when you receive care. See moredetails beginning on page 5.What type of plan is best for you?See page 6 for definitions of the different types of plans.Which network(s) does/do your provider(s) participate in?How are prescription drugs covered?Are your drugs on the formulary? (See page 4 for definition.)What are the premiums for the type of plan you’ve selected?Your answers to the above questions will determine how much you’llpay for coverage.7

EnrollEnroll in a planThe third step is to enroll in the plan of your choice.If you choose a public Health Insurance Marketplaceplan: Watch for new ID cards from your new medical plan administrator. If you have questions about your coverage or your new plan, contact your newplan administrator directly.If you choose an individual plan offered througha private insurer: Watch for new ID cards from your new plan administrator. If you have questions about your coverage or your new plan, contact your newplan administrator directly.8

Researching a Dental PlanHelpful information as you shop for a dental planHere are some things to consider as you explore your dental plan choices. Check to see if your health plan offers dental coverage.Dental coverage is offered as part of some health plans, but not all ofthem—so review your health plan carefully to see if dental is covered. Understand that plans and carriers differ by state.The local markets and regulatory requirements drive the productsavailable in each state. Review each plan’s provider network .Most independent dental insurance plans will only pay for your dentalservices if you go to a contracted and participating in-network dentist. Findout if you are required to go to a participating dentist or if you can chooseyour own. If the plan requires you to see an in-network dentist, ask for a listof the dentists in your area with whom they are contracted so you candecide if there is a dentist you would consider seeing. If you wish to staywith your current dentist, some policies allow you to see an out-of-networkdentist, but the costs the plan covers may be significantly less. Understand the yearly maximum .The yearly maximum is the most money that the dental insurance plan willpay within one full year. The yearly maximum will automatically renew everyyear. If you have unused benefits, these will not roll over. Compare dental insurance waiting periods .A waiting period is the length of time an insurance company will make youwait after you are covered before they will pay for certain procedures. Determine which plans cover which procedures .Dental procedures are typically broken down into three categories:preventive, basic or restorative and major. Since all dental insurance carriersare different, it is important to clarify which dental procedures fall undereach specific category. This is important because some insurance plansdon't cover major procedures and others have waiting periods for certainprocedures.1. Preventive: Most insurance companies consider routine cleanings andexaminations as preventive dental care; however, X-rays, sealants andfluoride can be deemed as preventive or basic, depending upon thespecific insurance carrier.2. Basic or Restorative: Basic or restorative dental treatment usuallyconsists of fillings and simple extractions. Root canals can beconsidered basic or major. However, the majority of dental plans listroot canals as basic.3. Major: Crowns, bridges, dentures, partials, surgical extractionsand dental implants are dental procedures that most dentalinsurance companies consider major procedures.9

Dental Plan Options* Aon Retiree Health Exchange: (888) 611-5500 (toll free)—for Medicare eligible only Delta Dental in your state of residence: http://www.deltadentalmn.org/3m-retirees/ AARP: aarp.org surance.html (You may be required to have an AARPmembership.) Renaissance Dental: http://www.renaissancedental.com/ Online broker such as eHealth: www.ehealthinsurance.com Individual broker* This list is meant to serve as a starting point. It is not inclusive of all insurance carriers,nor is it an endorsement from 3M.BrokersYou may wish to contact a broker if you need further assistance inresearching the plans and pricing available in your area. A couple ofindividual brokers are listed below. Please keep in mind that individualbrokers are not employed by or agents of 3M and 3M does not endorseor recommend and is not responsible for any advice, actions, views,opinions or statements of the brokers.Get InsuredOnline: www.getinsured.comPhone: (866) 602-8466 (toll free)eHealthInsuranceOnline: www.ehealthinsurance.comPhone: (844) 229-4337 (toll free)10

Medical Contact Information by StateThe contact information listed below may not display or provide all data on qualifiedhealth plans that are available in your state. You are encouraged to use this list as astarting point for your more comprehensive research.StateAlabamaPublic Health InsuranceMarketplace or “Exchange”www.healthcare.govPrivate InsurerBlueCross BlueShield of Alabamawww.bcbsal.org855-890-7416Celtic Insurance Companywww.celtic-net.com800-779-7989Humana hcare.govAetna Life Insurancewww.aetna.com800-217-2386Premera Blue Cross Blue Shield of care.govAetna Life Insurancewww.aetna.com800-217-2386Blue Cross and Blue Shield of Arizonawww.azblue.com877-864-4899Cigna Health and Life Insurancewww.cigna.com877-683-2268Health Netwww.healthnet.com877-527-8410Humana lthcare.govArkansas Blue Cross & Blue Shieldwww.healthcare.gov800-392-258311

Californiawww.coveredca.comAnthem Blue Crosswww.anthem.com/ca888-553-5423Blue Shield of Californiawww.blueshieldca.com888-273-0010Cigna Health and Life Insurancewww.cigna.com877-683-2268Health Net Life ecticutDelawarewww.connectforhealth.comAnthem BlueCross BlueShieldwww.anthem.com855-629-9665Cigna Health and Life Insurancewww.cigna.com877-683-2268Humana hct.comAetna Life Insurancewww.aetna.com800-217-2386Anthem BlueCross BlueShieldwww.anthem.com855-629-9665Celtic Insurance Companywww.celtic-net.com800-779-7989Cigna Health and Life ovAetna Life Insurancewww.aetna.com800-217-2386Highmark BCBSDwww.highmarkbcbsde.com877-959-256212

Floridawww.healthcare.govBlue Cross and Blue Shield of Florida(Florida Blue)www.bcbsfl.com855-714-8894Celtic Insurance Companywww.celtic-net.com800-779-7989Cigna Health and Life Insurancewww.cigna.com877-683-2268Humana Aetna Life Insurancewww.aetna.com800-217-2386Alliant Health Planswww.alliantplans.com800-811-4793Blue Cross Blue Shield of Georgiawww.bcbsga.com888-553-5426Cigna Health and Life Insurancewww.cigna.com877-683-2268Humana hawaiihealthconnector.com Hawaii Medical Service hcare.govBlue Cross of Idaho Health Serviceswww.bcidaho.com888-462-7677Regence Blue Shield of Idahowww.regence.com888-734-362313

Illinoiswww.healthcare.govAetna Life Insurancewww.aetna.com800-217-2386Blue Cross and Blue Shield of Illinoiswww.bcbsil.com866-514-8044Celtic Insurance Companywww.celtic-net.com800-779-7989Health Alliance Medical Planswww.healthalliance.org888-382-9771Humana thcare.govAnthem Blue Cross and Blue Shieldin Indianawww.anthem.com888-556-9101Humana are.govWellmark Blue Cross and Blue Shieldwww.wellmark.com800-978-3221CoOportunity www.healthcare.govBlue Cross and Blue Shield ofKansas Citywww.bcbsks.com800-438-1565Celtic Insurance Companywww.celtic-net.com800-779-7989Humana ect.ky.govAnthem Blue Cross and Blue Shieldin Kentuckywww.anthem.com888-556-9135Humana Insurancewww.humana.com888-371-953814

Louisianawww.healthcare.govBlue Cross Blue Shield of Louisianawww.bcbsla.com855-343-0361Humana care.govAnthem Blue Cross and Blue Shieldwww.anthem.com888-557-8435Maine Community Health .marylandhealthconnection.govCareFirst of Maryland achusettswww.mahealthconnector.orgBlue Cross and Blue Shield ard Pilgrim Health healthcare.govAlliance Health and Lifewww.hap.org855-948-4427Blue Cross Blue Shield of lthplus.com877-562-0907Humana Insurancewww.humana.com888-371-9538Priority Health Insurancewww.priorityhealth.com888-830-344315

Minnesotawww.mnsure.orgBlue Cross Blue Shield of nerswww.healthpartners.com877-838-4949Medica Insurance re.govBlue Cross & Blue Shield of Mississippiwww.bcbsmi.com800-635-0879Humana lthcare.govAnthem Blue Cross and Blue Shield inMissouriwww.anthem.com888-556-9097Blue Cross and Blue Shield of Kansas Citywww.bcbskc.com800-875-3596Humana thcare.govBlue Cross and Blue Shield of Montanawww.bcbsmt.com800-438-2268PacificSource Health tunity Healthwww.cooportunityhealth.com866-217-6111Blue Cross and Blue Shield of Nebraskawww.nebraskablue.com888-233-8143Anthem Blue Cross and Blue Shieldwww.anthem.com888-556-9095Humana Insurancewww.humana.com888-371-953816

New Hampshirewww.healthcare.govAnthem Blue Cross and Blue Shieldwww.anthem.com888-557-8432Celtic Insurance Companywww.celtic-net.com800-779-7989New Jerseywww.healthcare.govAetna Life Insurancewww.aetna.com800-234-8454Horizon Blue Cross Blue Shield ofNew Jerseywww.horizonblue.com888-765-7786New Mexicowww.bewellnm.com;www.healthcare.govBlue Cross and Blue Shield ofNew Mexicowww.bcbsnm.com888-809-1135New Mexico Health Connectionswww.mynmhc.org800-769-6642New Yorkwww.nystateofhealth.ny.govAetna Life Insurancewww.aetna.com800-234-8454BlueCross BlueShield ofWestern New Yorkwww.bcbswny.com855-826-6996BlueShield of Northeastern New Yorkwww.bsneny.com855-826-6996Empire BlueCross BlueShieldwww.empireblue.com888-553-5429Excellus BlueCross BlueShieldwww.excellusbcbs.com888-679-7105North Carolinawww.healthcare.govBlue Cross Blue Shield of North Carolinawww.bcbsnc.com800-894-2880Celtic Insurance Companywww.celtic-net.com800-779-7989Cigna Health and Life Insurancewww.cigna.com877-683-2268Humana Insurancewww.humana.com / 888-371-953817

North Dakotawww.healthcare.govBlue Cross Blue Shield of North Dakotawww.bcbsnd.com800-342-4718Medica Insurance Companywww.medica.com800-670-5935Sanford Health ealthcare.govAnthem Blue Cross and Blue Shield inOhiowww.anthem.com888-556-9099Humana lthcare.govBlueCross BlueShield of Oklahomawww.bcbsok.com866-793-8111Celtic Insurance Companywww.celtic-net.com800-779-7989Humana oregon.comHealth Net of Oregonwww.healthnet.com888-926-4927LifeWise Health Plan of Oregonwww.lifewiseor.com877-203-5851PacificSource Health ence BlueCross BlueShield of Oregonwww.regence.com888-675-657018

Pennsylvaniawww.healthcare.govAetna Life Insurancewww.aetna.com800-217-2386Blue Cross of Northeastern Pennsylvaniawww.bcnepa.com888-728-3840Capital BlueCrosswww.capbluecross.com800-451-1181Highmark Blue Shieldwww.highmarkblueshield.comCentral PA – 877-959-2553Western PA – 877-959-2563Independence Blue Crosswww.ibx.com888-475-6206Puerto RicoNot applicableHumana Health Insurance of Puerto Rico866-836-6162Triple-S (Puerto Rico)787-792-2226Rhode Islandwww.healthsourceri.comBlue Cross & Blue Shield of Rhode Islandwww.bcbsri.com855-690-2583Tufts Health hcare Insurancewww.uhc.com800-985-2870South Carolinawww.healthcare.govBlueCross BlueShield of South ic Insurance Companywww.celtic-net.com800-779-7989Cigna Health and Life Insurancewww.cigna.com877-683-226819

South Dakotawww.healthcare.govAvera Health Planswww.averahealthplans.com605-322-7384Sanford Health Planwww.sanfordhealthplan.org800-752-5863Wellmark Blue Cross and Blue Shield ofSouth lthcare.govAetna Life Insurancewww.aetna.com800-217-2386BlueCross BlueShield of Tennesseewww.bcbst.com888-995-7786Celtic Insurance Companywww.celtic-net.com800-779-7989Cigna Health and Life Insurancewww.cigna.com877-683-2268Humana care.govAetna Life Insurancewww.aetna.com800-217-2386Blue Cross and Blue Shield of Texaswww.bcbstx.com800-531-4456Celtic Insurance Companywww.celtic-net.com800-779-7989Cigna Health and Life Insurancewww.cigna.com877-683-2268Humana are.govHumana Insurancewww.humana.com888-371-9538Regence BlueCross BlueShield of Utahwww.regence.com888-734-362320

lthcare.govBlue Cross and Blue Shield of Vermontwww.bcbsvt.com800-247-2583Anthem Blue Cross andBlue Shield in Virginiawww.anthem.com888-561-7976CareFirst BlueCross Humana Insurancewww.humana.com888-371-9538Optima Health nwww.wahealthplanfinder.orgLifeWise Health Plan of Washingtonwww.lifewisewa.com888-304-0693Premera Blue Crosswww.premera.com877-773-6372West Virginiawww.healthcare.govHighmark West nwww.healthcare.govAnthem Blue Cross and Blue Shield inWisconsinwww.anthem.com888-556-9098Celtic Insurance Companywww.celtic-net.com800-779-7989Dean Health Plan, Inc.www.deancare.com800-279-1301Humana Insurancewww.humana.com888-371-9538Medica Insurance care.govBlue Cross Blue Shield of Wyomingwww.bcbswy.com800-851-2227List current as of Oct. 1, 2014. Please note that coverage and carrier options vary bycounty. Not all private carriers may be offered in your county.21

Important Legal InformationThis document is intended to provide general information and is not intended toprovide specific advice to individuals. This document should not be construed andis not intended to provide advice about the Health Insurance Marketplace, dentaloptions in the private insurance marketplace, Medicare and your health care choices.You should consult with your own advisor for guidance specific to your own situation.3M does not endorse or recommend any particular insurance plan. Individuals areencouraged to investigate individual insurance plans themselves and make theirown informed decision about which individual insurance plan is best for them. Theinsurance plan that individuals select is their own individual plan and is not sponsoredor maintained by 3M and is not part of any plan or program established or maintainedby 3M.This document is not the official plan document for the plan, and in the event of anyconflict, inconsistency or ambiguity between this information and the official plandocuments, the terms of the official plan document will control. 3M reserves the rightto modify, amend or terminate the benefit plan, in whole or in part, at any time.Neither receipt of this document nor its use of the term “you” indicate eligibility for3M benefit plans. Only those individuals who satisfy the eligibility requirements andother criteria contained in the official plan document are eligible to participate in a3M benefit plan.This document is prepared for U.S. non-Medicare eligible active employeesconsidering retirement.Human Resources3M CenterBuilding 0224-02-W-15St. Paul, MN 55144-1000Please recycle. Printed in U.S.A. 3M 2015. All rights reserved.22

The health plans in the marketplace are offered by private health insurance companies and must cover certain services as directed by your state and the federal government. How does the public Health Insurance Marketplace work? You will be able to enroll online or speak with a representative to help you find a health insurance plan that meets .

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