Pre-Medicare Age In Presentation Plan Year 2021 July 1, 2020 – June

Pre-Medicare Age In Presentation Plan Year 2021 July 1, 2020 – June 30, 2021

Today’s Topics PEBP and Via Benefits Forms PEBP’s Medicare Requirements PEBP Dental Plan Option Enrollment Options Who is Via Benefits CDHP HRA vs Via Benefits HRA How the Via Benefits HRA Works Maintaining Enrollment Through Via

Approximately 2 months* before your 65th birthday, PEBP will mail you: Happy Birthday Letter PEBP and Medicare Guide (Also available interactively online) Retiree Benefit Enrollment and Change Form (RBECF) *If not received about 6 weeks prior to your birthday month please call PEBP Member Services or access them online

Retiree Benefit Enrollment and Change Form (RBECF) Medicare Effective Date The retiree packet is now online at https://pebp.state.nv.us under Retiring Before and Retiring After Age 65

It’s as easy as 1-2-3 (4-5) Contact the Social Security Administration and enroll in Medicare Part A (as eligible) and purchase Medicare Part B Submit a copy of your Medicare card and the signed RBECF Call Via Benefits to schedule an appointment and set up your online profile Call Via Benefits and complete your medical plan enrollment Wait for your funding packet to arrive from Via Benefits (this can take between 8-12 weeks from your effective date)

Step 1: Enroll in Medicare PEBP’s and Medicare’s Requirements

Premium-Free Medicare Part A You or your spouse (or former spouse of 10 years) have at least 40 credits (10 years) of work in any job in which you paid Social Security taxes Social Security -ORYou are eligible for Railroad Retirement Benefits 01-01-2021 01-01-2021 -ORYou are under age 65 and approved for Social Security Disability Benefits Please call the Social Security Administration (SSA) to verify your Medicare Eligibility 1-800-772-1213 Everyone age 65 or older can purchase Medicare Part B

PEBP’s Medicare Requirements TRICARE Medicare A B card Military identification card (front and back) ACTIVE EMPLOYEE Not required to enroll in Medicare until 60-90 days prior to retirement SPOUSE/DP PEBP Medicare requirements apply to covered spouses and domestic partners CURRENTLY RETIRED Approaching 65th birthday NEWLY RETIRING AFTER AGE 65 (60-90 days prior to retirement) CURRENTLY RETIRED Under 65 and approved for Social Security Disability benefits (after 24 month waiting period) Enroll in premium-free Medicare Part A as eligible per Social Security (SSA) guidelines Must purchase Medicare Part B from SSA

Step 2: PEBP Enrollment Options Sending in Your Paperwork

Not required to enroll in Medicare Active Employee If Medicare is obtained, submit a copy of the card to PEBP CDHP HSA will become HRA, if applicable Active Not yet Retiring

Not required to enroll at Via Benefits TRICARE for Life Medicare A B and TRICARE for Life Copy of Medicare A B card and Military ID Thank you for your service! Submit RBECF to elect or decline dental

Must enroll at Via Benefits Medicare A B Copy of Medicare A B card to PEBP Newly retiring? Enroll in Medicare A B 60-90 days prior to retirement Submit RBECF to elect or decline dental No Covered Dependents or Participant and Dependent both have Medicare

Retiree may stay on PEBP PPO, EPO, or HMO with dependents OR Medicare A B Covering Non-Medicare Retiree may Dependent or Nonenroll at Via Covering Dependents Medicare Participant Benefits Covering Medicare Send a copy of OR Participant Medicare A B card to PEBP. Submit RBECF to elect or decline dental Unsubsidized dependent(s) may stay on a PEBP plan or terminate coverage

May remain on PPO, EPO, or HMO MUST purchase Medicare Part B No Medicare Part A Monthly premium reduced by 135.50 after receipt of Medicare Part B card Obtain SS Eligibility Lack of Credits Letter NOT Eligible for free Part A Complete RBECF submit all documents to PEBP

Do I Sign up for Medicare? Are you 65 or older? YES Are you an active employee? YES Do not sign up until 60-90 days prior to retirement NO 5 6 A B d e e r ar ti c Re edi M

PEBP Dental Option Via Benefits medical plan option to elect PEBP dental Dental coverage effective for the entire plan year Automatic reimbursement, no paper claim required Mail or email in RBECF to enroll (or decline) in PEBP dental Monthly dental premium will be deducted from your PERS pension No PERS pension? Pay online or set up automatic payments through your E-PEBP Portal Monthly PY21 PEBP Dental Plan Rates July 1, 2020 – June 30, 2021 State Retiree Non-State Retiree Retiree only 40.44 41.67 Retiree Spouse/DP* 80.87 83.33 *Spouse/DP must also have a medical plan through Via Benefits in order to elect PEBP dental

Review YOU’VE ALREADY: Enrolled in Medicare A B (Original Medicare) through Social Security, as eligible ›Medicare A provides about 80% hospital coverage and Medicare B provides about 80% medical coverage Medicare will be your primary coverage Provided proof of your Medicare enrollment by sending a copy of your Medicare A B card to PEBP Submitted your RBECF to elect or decline PEBP dental and changed your status to “Medicare Eligible”

What to Do Next Prepare Call Enroll Wait Read all material PEBP mails you, two months prior to your 65th birthday. Develop an idea of what medical and pharmacy plan you would like to select Call Via Benefits at 1-888-598-7545 to schedule an appointment with a certified licensed benefit advisor Complete enrollment by calling and speaking to a licensed benefit advisor Via Benefits will now manage your new plan and funding account. Wait 8-12 weeks for your funding packet to arrive from Via Benefits

Step 3 and 4: Who is Via Benefits? Your Future Coverage

First and largest private Medicare Market Exchange Company 15th Year of Service Personalized options with plans from a nationwide network 120 Insurance Companies 1.9 Million Retirees from 680 employers 9 out of 10 Retirees reported they would work with Via Benefits again Never any fees for services Licensed Advisors provide guidance and ongoing advocacy

Consultative Process A Licensed Benefit Advisor will assist you and recommend plans that meet your needs and fit your budget Simplified Selection Via Benefits Process Advisors will explain the details of coverage and answer your questions Effortless Enrollment The insurance enrollment forms will be completed over the phone Ongoing Advocacy Dedicated specialist are a phone call away to help you with your new healthcare coverage

24/7 access to your information Want more information? Contact Via Benefits at 1-888-598-7545 https://My.ViaBenefits.com/PEBP

A New Via Benefits Mobile App Via Benefits offers an easy-to-use mobile application that is integrated with their full website. Its intuitive design allows you to complete account management tasks quickly. Using this app, you will be able to: Stay up to date on actions that need your attention Complete reimbursement requests quickly Upload documents directly to the app Check the available balance of your account *Available for both Apple and Android users

When to Call Via Benefits Via Benefits is Your Ongoing Advocate Navigation Update personal information Questions and concerns Affordability concerns Billing Issues Carrier and provider issues HRA reimbursement issues Annual plan review The plans run Jan-Dec. No need to re-enroll during fall open enrollment unless you want to make a plan change 1-888-598-7545

Medicare Plan Types Medicare Advantage vs. Medigap

Your Future Coverage How Medicare Coverage Works Primary Coverage Medicare A and B

Medicare Advantage with Prescription Drug Coverage (MAPD) HMO MAPD PPO Medicare Advantage plans are generally network based plans. 27

Medicare Supplement Insurance Part D Prescription Drug Plan (PDP) Medigap Prescription Drug Plans (Part D) Note: You may need to pay your first premium when you initially enroll.

Medicare Supplement Insurance (Medigap): Lettered Policies Benefits A B D G K L M N Medicare Part A coinsurance and hospital costs (up to an additional 365 days 100% 100% 100% 100% 100% 100% 100% 100% Medicare Part B coinsurance or copayment 100% 100% 100% 100% 50% 75% 100% 100% Blood (first 3 pints) 100% 100% 100% 100% 50% 75% 100% 100% Part A hospice care coinsurance or copayment 100% 100% 100% 100% 50% 75% 100% 100% 100% 100% 50% 75% 100% 100% 100% 100% 50% 75% 50% 100% 80% 80% after Medicare benefits are used) Skilled nursing facility care coinsurance Part A deductible 100% Part B deductible Part B excess charges Foreign travel emergency (up to plan limits) Source: CMS 100% 80% 80% Out-of-Pocket limit in 2021 6,220 3,110 If you choose Plan G, this means you must pay for Medicare-covered cost (coinsurance, copayments, and deductibles) up to the deductible amount of 2,340 in 2020 before your policy pays anything For plans K and L after you meet your out-of-pocket yearly limit and your yearly Part B deductible ( 196 in 2020), the Medigap plan pays 100% of covered services for the rest of the calendar year. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to 20 for some office visits and up to a 50 copayment for emergency room visits that don't result in inpatient admission. Please discuss all of your options with a Licensed Benefit Advisor

Medicare Open Enrollment October 15 to December 7 Medicare Open Enrollment* provides an opportunity to change health plans and/or prescription drug coverage. Information for Open Enrollment is normally made available in October Changes made during the Medicare Open Enrollment will become effective January 1 If you want to make ANY changes to your coverage, MUST make your changes through Via Benefits period 1-888-598-7545 Benefits advisors are available Monday through Friday, 5:00 AM until 6:00 PM Pacific Time Making changes outside of Via Benefits will cause you to forfeit your monthly HRA contribution, Basic Life Insurance, PEBP dental and any voluntary products (if applicable) *Medicare Open Enrollment is different than PEBP’s Open Enrollment The plans you select continue on year-to-year. No need to re-enroll in the fall unless you want to make a plan change.

Step 5: Funding Health Reimbursement Arrangement (HRA)

What is a Health Reimbursement Arrangement (HRA) Tax-free account used to reimburse you for eligible health care expenses — you pay first and then get reimbursed If you are eligible, PEBP will make a monthly contribution to a Health Reimbursement Account (HRA) You may use HRA funding to reimburse yourself and your spouse for eligible medical, prescription drug, dental, vision, and Medicare Part B premiums, as well as eligible out-of-pocket healthcare expenses Your HRA funding will be available within 8-12 weeks and monthly thereafter Unused funds DO roll over* *Subject to 365-day rolling reimbursement request submission deadline from the date the service was incurred

Eligible Expenses Premiums Medicare Medical Prescription Dental Vision Medicare Part B Most Common Expenses Office Visit Copays Physician Service Copays Prescription Copays Deductibles Co-Insurance Dental Treatments Eye Exams Eyeglasses Other Eligible Expenses Artificial Limbs and Teeth Ambulance Hire Chiropractor Contact Lenses Hearing Aids and Batteries Immunizations Laboratory Fees Medical Supplies and Equipment Oral Surgery Osteopath Psychiatrist Stop Smoking Programs Vaccines Wheelchair X-Rays *Note – this is not an all-inclusive list of eligible expenses

Via Benefits HRA vs Consumer Driven Health Plan HRA PEBP offers two types of HRAs: Consumer Driven Health Plan (CDHP/PPO) Funded on an annual basis in July Funded according to participant tier: 700 retiree and 200 per covered dependent (maximum 3) Once transitioned to Via Benefits, remaining funds are no longer available You will not get to keep the CDHP HRA when you enroll through Via Benefits Any HRA money left on the HealthSCOPE Visa debit card will revert back to the State Via Benefits HRA Funded on a monthly basis Funded according to the retirees’ years of service (5-20 YOS) and hiring date As of May 31, 2021 there will be a cap on the available HRA balance of 8,000

How is my HRA Funded? Effective July 1, 2020 PY 2021 HRA Contribution PY 2021 HRA Contribution Years of Service Contribution Years of Service Contribution EXAMPLE HRA (18 YOS) 5 65 13 169 My Monthly HRA Allowance 234.00 6 78 14 182 7 91 15 195 8 104 16 208 9 117 17 221 Optional PEBP Dental .( 40.47) 10 130 18 234 Remaining Monthly HRA Balance 47.53 11 143 19 247 12 156 20 260 Medigap Plan G (medical supplement) .( 124.00) Medicare Part D Plan (prescription drugs) .( 22.00) Retirees hired from 2010-2012 need at lease 15 YOS to qualify for HRA funding. If hired after 2012 you do not receive funding PEBP will automatically establish your Exchange-HRA after your qualified medical plan through Via Benefits is effective Once established, you will receive the Via Benefits-HRA funding kit with information on how to use the Exchange-HRA The kit will include claim and direct deposit forms and will normally arrive within 8-12 weeks from your effective date

Qualify for your Health Reimbursement Arrangement Participants must be enrolled in Medicare Parts A and B in order to enroll in a plan through Via Benefits Participants must enroll in a medical plan through Via Benefits before their enrollment period ends in order to have access to their HRA (normally within 60 days from the Medicare effective date) Participants must remain enrolled through Via Benefits each year to continue to have access to their HRA or risk permanently forfeiting the rights to their HRA, basic life insurance and PEBP dental benefits (if applicable) Your Via Benefits HRA allocation amount will be based on the date of hire and earned years of service credit

Reimbursement Options Auto-Reimbursement Recurring Premium Reimbursement You pay your requested expense first Submit reimbursement request one time per year to receive a recurring payment Available for premiums and Medicare Part B only One-Time (Manual) Reimbursement Request You pay your expense first Submit reimbursement request Available for eligible out-of-pocket health care cost, premiums, and Medicare Part B premium Enroll in a participating plan Available for plan premiums only You pay your premium to carrier directly first Ask Via Benefits to turn on auto-reimbursement

How Option #1 Works Automatic Reimbursement Participant pays plan premium directly to insurance company Step 1 Step 2 Insurance company forwards receipt of payment to Via Benefits Step 2 Via Benefits reimburses participant via check or direct deposit up to allowed monthly amount Step 4 Step 3 Via Benefits verifies receipt of payment and eligibility

Direct Deposit Phone Fax Online Mail Direct Deposit Authorization Forms available at www.My.ViaBenefits.com/PEBP

Enrollment is Required Medical Plan Enrollment is Required to Receive Via Benefits HRA Funding Received mail that seems confusing? Is your coverage being discontinued? Have questions about your HRA? Moving? Be sure to call Via Benefits!! 1-888-598-7545 IMPORTANT: In order to maintain your PEBP benefits, HRA, Basic Life insurance, PEBP dental, and any voluntary products (if applicable), you MUST STAY enrolled in a medical plan with Via Benefits.

It’s as easy as 1-2-3 (4-5) Contact the Social Security Administration and enroll in Medicare Part A (as eligible) and purchase Medicare Part B Submit a copy of your Medicare card and the signed RBECF Call Via Benefits to schedule an appointment and set up your online profile Call Via Benefits and complete your medical plan enrollment Wait for your funding packet to arrive from Via Benefits (this can take between 8-12 weeks from your effective date)

Contact Information Public Employees’ Benefits Program 901 S. Stewart St. Suite 1001 Carson City, NV 89701 775-684-7000 or 1-800-326-5496 [email protected] E-PEBP Portal– Find all important information as well as send us a secure message by logging on to your portal www.pebp.state.nv.us Via Benefits (toll free) 1-888-598-7545 https://My.ViaBenefits.com/PEBP Social Security Administration 1-800-772-1213 www.ssa.gov

i t s e u Q ? s on Thank you!