Lilly Benefits
Lilly BenefitsUnderstanding Your Retiree Medical Benefits 2017
RETIREE MEDICAL — GENERAL OVERVIEWHealth coverage is one of the top-valued benefits of employees and retirees alike. Understanding whatyou need to know about medical benefits when you retire — and what questions you should ask —is important regardless of when your actual retirement date may be. Refer to the information in thepages of this guide to better understand how your medical benefits work when you retire from Lilly.What’s InsideGENERAL OVERVIEWNON-MEDICARE COVERAGEMEDICARE COVERAGERetiree medical . . . . . . . . . . . . . . 3Health coverage overview . . . . . . . . . 8Health coverage overview . . . . . . . . 12First steps . . . . . . . . . . . . . . . . . 4Health plan option details . . . . . . . . . 9Introducing OneExchange . . . . . . . . . . 12Key differences betweencoverage options . . . . . . . . . . . . . . 5Prescription drug benefits . . . . . . . . 10Important information aboutMedicare enrollment . . . . . . . . . . . . 13Lilly subsidization of retiree medical . . . 6Contact information . . . . . . . . . . . . 7Dental benefits . . . . . . . . . . . . . . 10Vision benefits . . . . . . . . . . . . . . . 11The private Medicaresupplement marketplace . . . . . . . . 14Prime fitness benefit . . . . . . . . . . . 11Understanding the Medicare HRA . . . . 15Catastrophic supplementalprescription benefit . . . . . . . . . . . . 15Understanding Your Retiree Medical Benefits Guide 2
RETIREE MEDICAL — GENERAL OVERVIEWEli Lilly and Company offers high quality, competitive health benefitsfor retirees and their eligible family members. Lilly retirees obtainhealth care coverage in one of two ways — depending if the person iseligible for Medicare or not yet Medicare-eligible.Non-Medicare Retiree CoverageMedicare Retiree CoverageNon-Medicare-eligible retirees, and their nonMedicare-eligible-dependents, can elect oneof Lilly’s high-deductible medical plan optionspaired with either a health savings account(HSA) or a health reimbursement account (HRA).Retiree prescription drug coverage and visioncoverage are included with the medical planoptions. Non-Medicare-eligible retirees also areeligible for dental coverage. The non-Medicareplan options generally function in the sameway as the active plans; however, the retireeversions of the HRA and HSA plan options havedifferent out-of-pocket maximums and higherpremiums — and some covered services may vary.When a retiree and eligible dependentsbecome eligible for Medicare (typically uponreaching age 65), they will choose from arange of medical, prescription drug, dental,and vision plans from leading national andregional insurance companies through aprivate Medicare supplement marketplace.Instead of participating in Lilly’s group healthoptions, Medicare-eligible retirees willreceive personalized support in selecting andenrolling in a plan(s) through Towers Watson’sOneExchange, with financial support from Lilly.Only 12 percent of employers offer a benefits package to new hires that includessubsidized retiree medical coverage for both Medicare and non-Medicare retirees.– Source: Aon Hewitt. 2016 SurveyUnderstanding Your Retiree Medical Benefits Guide 3
RETIREE MEDICAL — GENERAL OVERVIEWFirst StepsOnce you’ve made the decision to retire, you’llwork directly with the Lilly Benefits Center tomake your retirement elections and completeall necessary paperwork. You are encouraged tostart the retirement process 90 days before youwant to retire. This will give you enough time toget everything in place for a smooth transition. Visit the Retirement Hub on the Lilly BenefitsCenter for important information to initiatethe retirement process. You can find the hubon the Everything Retirement tile under themyMoney tab of the Lilly Benefits Center. Review the information in the “Checklistand Important Information for Retiring LillyEmployees” document which contains achecklist to assist you in tracking key itemsthat are part of the retirement process. It alsoprovides information on pension pay, taxes, lifeinsurance and flexible spending account options. Attend a “Ready for Retirement” workshopor webinar to learn about the decisions you’llneed to make when you retire. Topics includepension payment and retiree medical options,an explanation of how your pension benefitand retiree medical premiums are calculated,distribution options for your 401(k) accountbalance, and how to enter your decisions usingthe Lilly Benefits Center website. A RetirementWorkshop schedule can be accessed on theLilly Benefits Center, myMoney tab, and thenclicking on the myMoney Education Series tile.Important Information about Retiree Medical Eligibility Medical coverage is based upon theMedicare-eligible status of each personas an individual. Non-Medicare-eligibleindividuals will get coverage through Lilly,while Medicare-eligible individuals willobtain coverage through OneExchange. The Lilly retiree or survivor must remain onmedical coverage (either through OneExchangeif Medicare-eligible; or, through Lilly’s groupcoverage if non-Medicare eligible) for anydependent to be eligible for coverage. If you are Medicare-eligible or have Medicareeligible dependents you wish to cover, you andall eligible dependents must be enrolled incoverage (either through Lilly group coverageor OneExchange, depending on your Medicarestatus) in order to maintain eligibility forcoverage or financial support from Lilly. Retirees and covered dependent(s) must beenrolled in Lilly group coverage prior to anycovered individual in the household becomingMedicare-eligible. For example: If you are anon-Medicare-eligible Lilly retiree, but yourcovered dependent will be turning age 65 andbecoming Medicare-eligible, both you and yourcovered dependent(s) must be enrolled underLilly coverage prior to the dependent’s 65thbirthday. This would require enrolling in Lillyhealth coverage during the Annual Enrollmentperiod in the year before your dependent'sMedicare-eligible date. If your dependent'sMedicare eligibility effective date is January 1,then you need to be enrolled in Lilly coveragein the year prior to your Medicare eligibility. Note: If you are a former Novartis AnimalHealth employee and are eligible for retireemedical, please call the Lilly BenefitsCenter (LBC) at 1-800-472-4720 as soonas you have made the decision to leave thecompany, and LBC will provide informationabout the steps you need to complete.Understanding Your Retiree Medical Benefits Guide 4
RETIREE MEDICAL — GENERAL OVERVIEWSome Key Differences Between Non-Medicare and Medicare Retiree CoverageNon-MedicareMedicareType of health coverageGroup health coverage sponsored by Lilly, with two high-deductiblemedical plan options – one paired with a Health ReimbursementAccount (HRA) and one paired with a Health Savings Account (HSA).Both options include prescription drug and vision benefits. Dentalcoverage also is available as a separate election.A broad range of Medicare Advantage, Medigap, Part D prescriptiondrug, dental, and vision plans from leading national and regionalinsurance companies through the private Medicare supplementmarketplace.How coverage worksAll non-Medicare-eligible family members are covered by the selectedmedical plan option.Each Medicare-eligible individual will select his/her own coverageoption(s) through the private Medicare exchange.Enrolling in a planEnroll at retirement, then make changes during Lilly’s AnnualEnrollment period.Once Medicare-eligible, select and enroll in medical and prescriptiondrug plan(s) through OneExchange; then, may make changes duringthe Medicare open enrollment period.Lilly provides a subsidy to offset a sizable portion of the total grouphealth plan premiums. See page 6 for details.Lilly contributes tax-free dollars into an account each year that eligibleindividuals can use to help pay for their plan(s) selected throughOneExchange. The account is called a Medicare Health ReimbursementArrangement (HRA). See page 6 for details.How premiums are paidPremiums are typically deducted from the retiree’s monthly pensionpayment.Premiums and any other eligible out-of-pocket medical expenses arepaid by you directly to the insurer or provider. Those expenses can thenbe reimbursed from your HRA.Who to contact forquestions and supportThe Lilly Benefits Center for eligibility questions; and, Anthemand CVS/Caremark for questions about coverage. See page 7 for contactinformation.The Lilly Benefits Center for eligibility questions; once enrolled in aplan, OneExchange will provide support and advocacy, or your selectedinsurance company can answers questions about coverage. See page 7for contact information.How Lilly contributes tothe cost of coverageExamples for families with both Medicareand non-Medicare family membersFamilies will get medical coverage based onthe Medicare-eligibility of the retiree as wellas the family members.take a look at theseexamples: families will get medical coveragedepends upon the Medicare-eligibility of theretiree as well as the family members. Thiscan result in the following scenarios: The Lilly retiree is Medicare-eligible; thecovered dependent(s) are not Medicare-eligibleThe retiree is eligible to enroll in coveragethrough OneExchange, while the non‑Medicareeligible dependent remains covered throughLilly non-Medicare-eligible options. The Lilly retiree is not Medicare-eligible; thecovered dependent(s) is Medicare-eligibleThe retiree is eligible for coverage throughthe Lilly non-Medicare-eligible option, whilethe Medicare-eligible dependent will enrollin coverage through OneExchange. The Lilly retiree and covered dependent(s) areMedicare-eligible The retiree and each Medicareeligible dependent(s) will enroll in coveragethrough OneExchange. Each person will enrollin his or her own plan(s) through OneExchange.Understanding Your Retiree Medical Benefits Guide 5
RETIREE MEDICAL — GENERAL OVERVIEWMedicare-Eligible Individuals (John)Lilly Defined Dollar Credit per life for 2017:*Amount: 95.80 x years of service after age 40Medicare-Eligible Plan Cost per Life (premiums)paid by you to the insurance company you selectvia OneExchange:Typical annual cost per life: 0 - 4,000(Medigap, Medicare Advantage, Part D, Dental)Lilly DDB Subsidy: 25 x 95.80 x 1 life 2,395(amount credited to your Medicare HRA account)Your out of pocket costs for plan premiums afterHRA reimbursement:( 0 - 4,000) - 2,395 0 to 1,605 annuallyor 0 - 133.75/monthNon-Medicare-Eligible Individuals(Mary and Cathy)Lilly Subsidization of Retiree MedicalNew retirees have a defined dollar benefit (DDB)cost-sharing structure. With this structure, Lillypays a fixed amount toward the cost of your totalmedical or dental premiums and you pay the rest.The DDB amount is calculated by multiplyingyour credited years of service after age40 (up to a maximum of 25 years) by thedefined dollar credit established eachyear by Lilly and listed below for 2017.** Special rules may apply for some individuals with50 or more points as of December 31, 2009.The amount of the defined dollar credit providedis different depending on whether the coveredindividual is Medicare-eligible or not and thecredit amounts are pro-rated based upon thetiming of the beginning of your coverage.Example: John is a Medicare-eligible retiree(age 66) and his wife (Mary – age 60) anddaughter (Cathy – age 25) are eligible formedical coverage through John. John workedfor Lilly for 25 years after age 40. John willselect a Medicare supplement plan throughOneExchange while Mary and Cathy will enrolltogether in the Lilly non-Medicare HRA or HSAplan option. Please see the following example:** Premiums and related subsidies are limited to fournon-Medicare lives; there is no charge for additionalfamily members.Lilly Defined Dollar Credit per life for 2017:*Medical: 358.00 x years of service after age 40Dental: 13.00 x year of service after age 40Both: 371.00 x years of service after age 40Non-Medicare Eligible Plan Cost Per Life:HRA Dental: 11,280 474 11,754(Total for 2 lives: 23,508)HSA Dental: 11,050 474 11,524(Total for two lives 23,048)Lilly DDB Subsidy:25 x 371.00 x 2 lives 18,550Your Monthly Premium paid to Lilly**(HRA Dental): 23,508 - 18,550 4,958 annually 4,958 12 413.17/monthfor Mary and CathyN ote: The annual DDB defined dollar amounts are reviewedannually and may increase or decrease. Any increaseis limited to 3% annually.Understanding Your Retiree Medical Benefits Guide 6
RETIREE MEDICAL — GENERAL OVERVIEWContact InformationThroughout this guide, you will see references to vendors that help provide retiree benefits. Please reference the contact information below.For All Eligibility Questions:Information Resources for Non-Medicare-Eligible:Contact the Lilly Benefits Center (LBC) at(800) 472-4720 for general eligibility questionsand non-Medicare eligible enrollment questions.You also can access the LBC website athttp://benefitscenter.lilly.com. You can callthe Lilly Benefits Center Monday throughFriday, 9 a.m. to 5 p.m. Eastern Time.Anthem medical plans, www.anthem.com,(866) 814-3739 Find answers about coverage,HRA and HSA account balances, progress towardyour deductible, and out-of-pocket maximums.Information Resources forMedicare-Eligible:Anthem Blue View Vision, www.anthem.com,(866) 723-0515 Find answers about visionplan coverage.OneExchange, www.medicare.oneexchange.com/lilly,(844) 300-2806 Medicare-eligible individualscan review information and find estimated plancosts on the OneExchange website. Once youhave submitted an “intent to retire” with theLilly Benefits Center and are ready to enroll ina Medicare supplemental plan, a OneExchangerepresentative will help you with your planselection and enrollment.Anthem Dental Complete, www.anthem.com,(855) 648-1412 Find answers about dental coverage.CVS/Caremark, www.caremark.com,(800) 900-5326 Find answers about prescriptiondrug coverage, including updated drug lists formaintenance, preventive and specialty medicines,drugs that require preauthorization, mail-orderpharmacy orders, and locations of in-networkpharmacies.Prime Fitness, (866) 336-0498 Find a list of gymsyou can access through the Prime Fitness network.For individuals considering retirement andseeking general information about coverage,you also may reference these resources: Medicare, www.medicare.gov, (800) 633-4227 forgeneral information about Medicare costs and plans Lilly Benefits Center (LBC),http://benefitscenter.lilly.com(800) 472-4720 for your estimatedMedicare HRA contribution from Lilly.Note: Enrollment in a supplemental Medicare plan requiresenrollment first in Medicare Part A and Part B. See page 13of this guide for more details.Understanding Your Retiree Medical Benefits Guide 7
RETIREE MEDICAL FOR NON-MEDICARE ELIGIBLEHealth Coverage OverviewNew retirees have a choice between two highdeductible healthcare options: one is pairedwith an HRA and one is paired with an HSA.Here’s How the Options Work Premium: You pay a monthly premium foryour coverage. Annual deductible: You are responsiblefor the full cost of all non-preventive healthcare expenses, including prescriptiondrugs, until you satisfy your deductible. Lilly’s contribution: To help you meet yourdeductible for the HRA and HSA options, Lillymakes an annual contribution to your HRAor HSA account. This amount varies basedon the option you choose (HRA or HSA)and how many dependents you cover. Your contribution: If you choose the HSAoption, you can make tax-deductiblecontributions to your health savings accountup to a federal limit. You can use the moneyin your HSA account to pay current andfuture eligible medical expenses, includingdeductibles and coinsurance payments. Ifyou choose the HRA option, you cannotmake contributions to your account. Coinsurance: After you meet your deductible,you pay a fixed percentage of your eligibleexpenses, called coinsurance, until you reachyour annual out-of-pocket maximum. Out-of-pocket maximum: Your out-ofpocket maximum is the amount of moneyyou must pay annually before all eligibleexpenses are covered at 100 percent.HRA and HSA optionsDetailsHRAHSA*Contributions to your account:Lilly contributes money each year based on the coverage you select; Lilly contributes money each year based on the coverage you select;unused amounts roll over each year as long as you are enrolled inyou can contribute pre-tax money to your account up to IRS limits.the Lilly Retiree Health Plan and are not Medicare-eligible.Managing your account:Money in your HRA is automatically applied to eligible medical andprescription drug expenses.You manage your Benefit Wallet account through Bank of New York Mellon,www.mybenefitwallet.com. You decide whether to use money in your HSAto pay your eligible medical and prescription drug expenses.If you waive coverage orbecome Medicare-eligible:You will not have access to the remaining HRA dollarsin your account. You keep HSA funds in your account. Once you have enrolled in Medicare, you can no longer make contributionsto your HSA — BUT, you can use your HSA tax-free funds as you alwayshave plus these additional expenses:-- Medicare Part A deductible and premiums-- Medicare Part B premiums and co-insurance-- Medicare Part D prescription drug premiums-- Medicare out-of-pocket expenses-- Note: you cannot use your HSA to pay premiums for a Medicaresupplemental policy*You cannot choose the HSA option if you: are covered by a non-high-deductible health plan such as a plan through your spouse or partner. turn age 65 or are enrolled in Medicare or TRICARE. have received medical benefits from the Veterans Administration any time in the past three months.Understanding Your Retiree Medical Benefits Guide 8
RETIREE MEDICAL FOR NON-MEDICARE ELIGIBLEHealth Plan Option DetailsDetailsHRAHSAAnnual deductibleYou pay most expenses at 100%, except eligiblepreventive care expenses, until you meet yourdeductible.1 life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,5002 lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,2503 or more lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,0001 life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,3002 or more lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,600Lilly’s contribution(for HRA and HSA)1 life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,0002 lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,5003 or more lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,0001 life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8002 or more lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,600Your contributionYou may not contribute to your HRA account.1 life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to 2,5502 or more lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to 5,150Total contribution from you and Lilly cannot exceed 3,400 for1-life coverage and 6,750 for 2-lives-or-more coverage. If youare age 55 or older, you can contribute an additional 1,000.Your annual deductible minus Lilly’s contribution1 life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5002 lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7503 or more lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,0001 life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5002 or more lives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,000CoinsuranceGenerally, you pay:Generally, you pay:The percentage you pay for eligible expensesafter you meet your deductible. This includesin-network prescription drug expenses. 10% of eligible, in-network expenses 20% of eligible, in-network expenses 30% of eligible, out-of-network expenses, subject tomaximum allowable costs. 40% of eligible, out-of-network expenses, subject tomaximum allowable costs.Coinsurance: preventive medical care servicesEligible in-network preventive care is covered at 100 percent.You pay no coinsurance.Eligible in-network preventive care is covered at 100 percent.You pay no coinsurance.Coinsurance: preventivemedicinesEligible medicines are covered at 90 percent before you meetyour deductible; the 10 percent coinsurance you pay does notcount toward your deductible but does count toward your outof-pocket maximum.Eligible medicines are covered at 80 percent before you meetyour deductible; the 20 percent coinsurance you pay does notcount toward your deductible but does count toward your outof-pocket maximum.Out-of-pocket maximumThe out-of-pocket maximum is calculated based on the greater of:The out-of-pocket maximum is calculated based on the greater of:100 percent of your eligible expenses are paidafter you reach your annual out-of-pocketmaximum amount.* 2,500 (single participant) or 5,000 (2 lives or more) plus the 2,500 (single participant) or 5,000 (2 lives or more) plus thevalue of your Lilly HRA contribution, orvalue of your Lilly HSA contribution, or Approximately 3% of your final annualized base salary plusthe value of your Lilly HRA contribution. Approximately 3% of your final annualized base salary plusthe value of your Lilly HSA contribution, up to a limit of 6,550for single participant and 13,100 for family coverage.* HRA/HSA dollars used for eligible expenses count toward your out-of-pocket maximum.Understanding Your Retiree Medical Benefits Guide 9
RETIREE MEDICAL FOR NON-MEDICARE ELIGIBLEPrescription Drug BenefitsDental BenefitsIf you elect medical coverage, you automatically receive prescription drug coverage throughCVS/Caremark. Here’s what you need to know about filling maintenance prescriptions andnon-maintenance prescriptions:You can choose dental benefits in addition tomedical benefits. Dental coverage is providedthrough Anthem’s Dental Complete Program. Thepremium for dental coverage is separate, givingyou flexibility to choose medical benefits, dentalbenefits, or both. There is a 2,000-per-personannual maximum, excluding eligible orthodonticservices. Eligible orthodontic services are subjectto a 2,000-per-person lifetime maximum.Type of prescriptionHow to fillMaintenance – prescriptions youneed on an ongoing basis (e.g.,medicines to treat conditions suchas diabetes or high blood pressure)Through the Maintenance Choice program, you can choose to havean 84- to 90-day supply of medicine mailed to your home or filled ata CVS Pharmacy retail store. You pay the reduced mail-order cost,based on your coinsurance percentage and whether you have metyour deductible.Non-maintenance –prescriptions (e.g., antibiotics totreat an infection)You can choose any in-network pharmacy from among 65,000 U.S.pharmacies including national chains such as CVS, Walgreens,Walmart, and regional options. If you use an out-of-networkpharmacy, you are responsible for the difference in cost, and yourcoinsurance is applied based on the in-network cost.Prior authorization, step therapy, and quantity limits apply to certain medications.In addition, you will pay the full difference between the cost of a brand drug andthe generic drug, in addition to normal coinsurance, if your doctor prescribesa brand name medication when a generic equivalent is available.Covered Services Include:ServiceCoverage100 percent for in-network providersEligible diagnosticand preventivecare services2 oral exams and cleanings coveredeach yearSome maximums apply to oral exams,X-rays, and cleanings.Eligible minorrestorative care(e.g., cavity)80 percent for in-network providersEligible majorrestorative care(e.g., crown)50 percent for in-network providersEligibleorthodonticservices50 percent (includes a separate 2,000-per-person lifetime maximum)- If your dentist is out of network, the coverage level for services isthe same as for in-network providers - with payment subject tousual and customary limits.- You may carry over 250 into the next year, up to a maximum of 1,000, if your claims do not exceed 500 for the year and youhave at least one claim during the year.Understanding Your Retiree Medical Benefits Guide 10
RETIREE MEDICAL FOR NON-MEDICARE ELIGIBLEVision BenefitsIf you elect medical coverage, you automaticallyreceive vision benefits through Anthem’sBlue View Vision. The benefits describedbelow are available only through in-networkproviders. To view a list of in-networkproviders, access www.anthem.com.Standard eyeexamOnce every 12 months; zero copaymentCompleteeyeglasses35 percent off retail pricesContact lenses(conventional)15 percent off retail prices; no discounton disposable lensesEyeglassframes (only)20 percent off retail pricesLenses only,fixed priceStandard plastic lenses; 50/ 70/ 105for standard/bifocal/trifocal lenses,respectivelyLilly Prime Fitness Benefitfor Non-Medicare-EligibleIndividualsThe Prime Fitness benefit is available tonon-Medicare-eligible individuals whoelect Lilly medical coverage – includingretirees, spouses, domestic partners,and their dependent(s) ages 18-25.The benefit includes access to thousandsof fitness centers nationwide. You canaccess a gym near your home and whenyou are traveling. Prime Fitness is availableto you at no additional out-of-pocket costif you enroll in the Lilly Health Plan.Fixed price based on individualservice: UV coating, tint, scratchOptions forresistance, polycarbonate, progressive,eyeglass lensesanti-reflective coating. Other add-ons:20 percent off retail pricesUnderstanding Your Retiree Medical Benefits Guide 11
RETIREE MEDICAL FOR MEDICARE-ELIGIBLEHealth Coverage OverviewInstead of participating in Lilly’s grouphealth option offered through Anthem andCVS/Caremark, when individuals becomeeligible for Medicare*, they choose froma range of medical, prescription drug,dental, and vision plans from leadingnational and regional insurance companiesthrough Towers Watson’s OneExchange.OneExchange provides Medicare-eligibleindividuals with personalized support inselecting and enrolling in a plan. Lilly continuesto share in the cost of coverage by contributingtax-free dollars into an account each year thatMedicare-eligible individuals can use to helppay for the plan(s) that works best for them.Through OneExchange, Medicare-eligibleindividuals will have access to: Information mailed to your home to helpyou prepare for and complete enrollmentfor coverage in the months before youbecome eligible for MedicareMore About OneExchangeOneExchange is the nation’s largestand longest-standing private Medicareexchange and represents a wide varietyof plans from more than 90 national andregional health insurance companies. Education and support about the typesand costs of plans available to you Objective advice and decision-makingsupport, based on your current coverageand expected future medical needs Assistance with enrolling in the healthcare coverage you choose Ongoing support after yourenrollment, including help withcoverage and claims questionsThis logo will appear on mailings toMedicare-eligible individuals — it meansthat those mailings include importantinformation about your medical coverage.*If you are an active employee who is Medicare-eligible, or who has Medicare-eligible dependents, you and your dependents will still have coverage under the Lilly HRA or HSA options.Today, more than 40 million retirees get their health care coverage through the Medicare supplement marketplace-Source: Towers Watson, 2015.Understanding Your Retiree Medical Benefits Guide 12
RETIREE MEDICAL FOR MEDICARE-ELIGIBLEImportant Information About Medicare EnrollmentMedicare Part A and B EnrollmentWhat You Need To DoIf you and/or your covered dependent(s)are Medicare-eligible or age 65 when youretire, you/your covered dependent(s) shouldbe enrolled in Medicare Part A and Part Bcoverage when you start your retirement.When preparing to retire, you and/or anycovered dependent(s) who is Medicare-eligible(or becomes Medicare-eligible), shouldcontact Medicare to enroll in Medicare PartB. Enrollment in Medicare Part A is generallyautomatic unless the individual withdraws.Examples: If you retire on March 31, any Medicareeligible individuals should be enrolled inPart A and Part B with an effective dateno later than April 1. Lilly active coverageends on the last day of the month of yourretirement (in this example, March 31). If you retire on April 15, any Medicareeligible individuals should be enrolled inPart A and Part B with an effective dateno later than May 1. Lilly active coverageends on the last day of the month of yourretirement (in this example, April 30).Since coverage under Medicare always beginson the first day of the month after enrollment,the retiring employee and/or any eligibledependent(s) must have finalized enrollmentin advance of retirement. If your coveragebegins after the month following your date ofretirement, you will have a gap in covera
Medicare-eligible status of each person as an individual . Non-Medicare-eligible individuals will get coverage through Lilly, while Medicare-eligible individuals will obtain coverage through OneExchange . The Lilly retiree or survivor must remain on medical coverage (either through OneExchange if Medicare-eligible; or, through Lilly's group
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