Health Care Coverage for You

and Your Family!

Welcome

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Agenda

• Who is eligible to enroll

• Plan options and what’s new

• Cost of health coverage

• How to enroll

• Enrollment support

• Questions

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Who is Eligible to Enroll?

To be eligible for TRS-ActiveCare coverage, you must:• Be employed by a participating district/entity and

– Be an active, contributing TRS member or– Be employed 10 or more regularly scheduled

hours each week

Health care coverage for public school employees and their families

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Employees NOT Eligible to Enroll

• State of Texas employees or retirees

• Higher education employees or retirees

• TRS retirees, receiving or who declined coverage under TRS-Care

These individuals are not eligible to enroll for TRS-ActiveCare coverage as employees, but they can be covered as a dependent of an eligible employee.

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Eligible Dependents

• Spouse (including a common law spouse)

• Unmarried children under age 25– Natural child– Adopted child– Stepchild– Foster child

• Other eligible dependents listed in Enrollment Guide

– Grandchildren (unmarried)

– Disabled children (unmarried, of any age)

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Newborns

• Covered the first 31 days if employee has coverage• To continue coverage, employee must add

newborn within 60 days after the date of birth• However, an employee has up to one year after the

newborn’s date of birth if:– Employee has “employee and family” or “employee and

child(ren)” coverage at the time of birth and at the time of enrollment

ActiveCare 1, 2 and 3

PPO Plan Options

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What’s New for 2008-2009?

ActiveCare 1, 2 and 3• No premium increase • No benefit changes • Emphasis on health and

wellness New plan features available April 1, 2008

– Blue Care Connection – 24/7 Nurseline – Personal Health Manager (PHM)

online health and wellness resource– Live Chat secure, online real-time

access for customer service inquiries

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PPO Network for ActiveCare 1, 2 and 3

Largest PPO network in the state Includes over 50,000

physicians and over 400 hospitals in Texas

Available in all 254 Texas counties

Advantages to using network providers Receive highest level of benefits

No claims to file

No balance billing

www.trs.state.tx.us/trs-activecare

www.bcbstx.com/trs

Need to locate a Network Provider?

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Plan Overview

ActiveCare 1 ActiveCare 2 ActiveCare 3

Deductible

(individual/family)$1,100/$3,000 $500/$1,500 None

Out-of-Pocket Maximum

(individual/family)$2,000/$6,000 $2,000/$6,000

$1,000 per individual

Coinsurance

(Plan pays/participant pays)80%/20% 80%/20% 80%/20%

Office Visit Copay 20% after deductible

$25 for primary

$35 for specialist

$20 for primary

$30 for specialist

Illustrates benefits when network providers are used. Non-network benefits are also available; see Enrollment Guide for more information.

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Plan Overview

ActiveCare 1 ActiveCare 2 ActiveCare 3

Preventive Care• Routine physicals*• Well-woman exams*• Routine mammograms *• Eye exams*• Well-baby exams• Immunizations• Hearing exams• PSA screenings• Colorectal screenings• Osteoporosis screenings

* Services limited to one per person per plan year

$0 copay up to $500 per person,

per plan year

Remaining charges subject to deductible

and coinsurance

$25 for primary

$35 for specialist

Includes all preventive care services billed

with an office visit by a network doctor

Coinsurance applies when no office visit is

billed or when services are

performed outside the office

(deductible waived)

$20 for primary

$30 for specialist

Includes all preventive care services billed

with an office visit by a network doctor

Coinsurance applies when no office visit is

billed or when services are performed outside

the office

(no deductible)

Illustrates benefits when network providers are used. Non-network benefits are also available; see Enrollment Guide for more information.

TRS-ActiveCare is administered by Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of Texas provides claims payment services only and does not assume any financial risk or obligation with respect to claims.

Blue CareConnection®

Health and Wellness Programs

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Advice anytime.Round-the-clock health and the wellness advice from licensed professionals

24/7 Nurseline

Advice isn’t just neededfrom 9 to 5.24/7 Nurseline is here to help.

• Nurses provide health advice and information about high fevers, earaches, cuts and bruises and more

• Audio health library on topics such as kicking the smoking habit and ways to get a good night’s rest

Available in English and Spanish

24/7 1-800-581-03681-800-581-0368

New!

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Personal Health ManagerNew!

Your online wellness experience begins here: www.bcbstx.com/trs

• Take a Health Risk Assessment

• Improve your health with the “Eat Right” nutrition planner

• Create a fitness plan to suit your personal health goals and needs with “Get Fit”

Click on the Personal Health Manager iconon Blue Access® for Members

Click on the Personal Health Manager iconon Blue Access® for Members

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Ask the experts.Expert advice from licensed professionalsvia the Personal Health Manager

“Ask-A” Online Advisor

Expert advice at your fingertips.Our “Ask-A” feature is here to help.

Ask a Trainer, Dietitian orLife Coach: Send questions about fitness, nutrition, or managing stress.

Ask a Nurse:Interact online with a Blue Care Advisor on non-emergency, health-related questions using the secure “Ask a Nurse” feature.

CONFIDENTIAL AND SECUREReceive a response within one business day

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Stay motivated.Earn Blue PointsSM in the Personal Health Manager

Blue PointsSM Incentives

ActiveCare 1, 2 and 3 plan participants and their covered dependents accumulate Blue PointsSM in the Personal Health Manager.• Complete designated health

and wellness activities

• Report completed activities in the Personal Health Manager

• Track your available balance

• Redeem earned Blue PointsSM for a variety of items!

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Weight Management Program

Support for a Healthier You

Tobacco Cessation ProgramSupport for members who want to quit

Weight Management and Tobacco Cessation

Self-Paced Approach• Online tools and resources via the Personal Health Manager

• Secure e-mail outreach to keep members on track

Personalized Lifestyle Management Support

• Counseling and coaching with licensed Wellness Coaches

• Motivational toolkit• 24/7 Nurseline• Referrals when appropriate

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Expecting? Special Beginnings® Program

Special Beginnings is a confidential, full-featured program helping you to better understand and manage your pregnancy.

• A pregnancy risk assessment to determine the risk of your pregnancy and provide you with close monitoring through a series of follow-up calls from an experienced obstetrical nurse.

• A welcome packet full of congratulatory gifts including:

– Baby bath and soap samples– Cleansing cloths– Nursing pads– Coupons for baby products

• Magazines that help you learn more about pregnancy and parenting

1-800-462-3275

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Live ChatSecure Online Customer Service

• Send inquiries to customer service via e-mail

• Immediate access to BCBSTX customer advocates

• Available Monday – Friday, 7 a.m. to 10 p.m. (CT)

New!

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What if I Have Questions?

Personalized ServiceCall the TRS-ActiveCare customer service team for:• Claim questions/status

• Network provider information

• Membership and eligibility

• Medical coverage questions

• Inquiries (telephone and e-mail)

• ID card requests

• Transition of care information

• Help with online tools! Customer Service

1-866-355-5999

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Online member management tool.• Check claim status, view

and download EOBs (Explanations of Benefits)

• Order additional ID cards, and print temporary ID

• Send secure e-mail messages to BCBS Customer Advocates

• Monthly health articles

• Links to health information and wellness tools and resources

Blue Access® for MembersOnline Member Management Tool

Prescription DrugsActiveCare 1, 2 and 3

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Your Medco Prescription Drug Plan

• Your TRS-ActiveCare health plan has two prescription drug components– Blue Cross and Blue Shield of Texas manages your

medical plan expenses, including prescription drug expenses under ActiveCare 1

– Medco manages your prescription drug plan expenses for ActiveCare 2 and 3

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Your Medco Prescription Drug Plan

• Medco has its own mail-order pharmacy – Medco By Mail – which delivers medications to your home at a lower cost

• Medco’s mail-order pharmacies fill about 2 million prescriptions per week through a highly automated process that is 99.9997% accurate and is 23 times more accurate than a retail pharmacy*

* “Dispensing Error Rate in a Highly Automated Mail-Service Pharmacy Practice”; Nov. 2007, Pharmacology, a peer-reviewed journal of the American College of Clinical Pharmacy

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Specific Rx Benefit Information

• If you are taking a long-term medication, filling your prescriptions through Medco’s mail-order pharmacy provides several benefits:– You receive a 90-day supply of your medication at a lower copay– You have access to Specialist Pharmacists who receive additional

training in conditions such as asthma, diabetes, heart disease and more

– While retail pharmacists know the medications you fill at one pharmacy, Medco’s Specialist Pharmacists have a complete view of all of your medications so they know if there are potential safety issues and will contact you and your doctor to discuss these issues

• You have access to specialist pharmacists whether you fill your prescription at a retail pharmacy or at Medco By Mail

• Your medication questions can be answered by calling 1-866-355-5999

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Prescription Drug Benefits

ActiveCare 1 ActiveCare 2 ActiveCare 3

Drug Deductible(per person, per plan year)

Subject to $1,100 plan year deductible

$50 $50

Retail Short-Term(up to 30-day supply)

Generic/Preferred Brand/Non-Preferred Brand

100% of the discounted cost at

the time of purchase; 80%

will be reimbursed by Blue Cross

and Blue Shield of Texas after deductible

$10

$25*

$45*

$10

$25*

$40*

Retail Maintenance(after second fill, up to 30-day supply)

Generic/Preferred Brand/Non-Preferred Brand

$15

$35*

$60*

$15

$35*

$55*

Medco by Mail(up to 90-day supply)

Generic/Preferred Brand/Non-Preferred Brand

$20

$62.50*

$112.50*

$20

$62.50*

$100*

* If you obtain a brand-name drug when a generic equivalent is available, you are responsible for the generic copayment plus the cost difference between the brand-name drug and the generic drug. Chart illustrates benefits when network pharmacies are used. Non-network benefits are also available; see Enrollment Guide for more information.

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Prescription Drug Benefits

ActiveCare 2 and 3: Applying the Deductible

Example 1—Claim cost less than $50 Deductible

• Once the deductible is satisfied, the member pays the applicable copay

• Member-paid cost differences between a brand-name drug and a generic equivalent do not apply to the deductible

• Member cost share will not exceed the cost of the medication

Total Cost

Deductible Applied

Copay Deductible Remaining

First Fill $37 $37 $37 $13

Second Fill $37 $13 $13 + copay $0

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Prescription Drug Benefits

ActiveCare 2 and 3: Applying the Deductible

Example 2—Claim cost more than $50 Deductible

Total Cost

Deductible Applied

Copay Deductible Remaining

First Fill $100 $50 $25 $0

Next Fill $100 $0 $25 $0

• Once the deductible is satisfied, the member pays the applicable copay

• Member-paid cost differences between a brand-name drug and a generic equivalent do not apply to the deductible

• Member cost share will not exceed the cost of the medication.

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Information Resources

• TRS Web site – www.trs.state.tx.us/trs-activecare– Pharmacy Benefit Highlights– List of maintenance medications– FAQs– Download forms

• Medco Member Web site – www.medco.com– Prior Authorization List– Formulary Information– Locate a Participating Pharmacy– Health and Wellness Information– My Rx Choices® / Price a Medication– Online Ordering– Download forms

• Customer Service Number 1-866-355-5999 • Benefits Booklet

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My Rx Choices® Your online savings tool

Lower your cost for prescriptions with My Rx Choices• Features include:

– Personal assessment of cost-saving opportunities based on your prescription plan and medications that you or covered family members take on an ongoing basis.

– Best-value alternatives based upon greatest cost savings to you presented in order from highest value to member

– Brand-to-generic and retail-to-mail compare options available– Easy-to-understand explanations of complicated concepts– The average amount saved by My Rx Choices users is $294!

• Your doctor knows which medications are right for you but you may not know how much they cost. My Rx Choices provides you with available lower-cost options so that you and your doctor can make the most informed decisions based on health and cost.

• Simply visit www.medco.com/save. You’ll to take a moment to register before using this service. You can also call 1-866-355-5999.

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My Rx Choices Available through Customer Service or on www.medco.com

• The My Rx Choices home page allows the user to:- Select a patient (pre-

populated with all covered household members)

- Select a drug to compare from a pre-populated list of prescriptions for the user.

• Your potential savings are clearly presented.

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My Rx Choices

Medco can facilitate on generic equivalents received through mail order

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My Rx Choices

Members may print a kit to discusslower-cost alternatives with their doctor

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• Refill your medication at www.medco.com when you use Medco By Mail

• Sign-up for “Refill Reminders” at www.medco.com

• Speak to a specialist pharmacist about the medications you are taking for a specific condition

• Send e-mails to Customer Service and to Medco pharmacists through the Medco member Web site

More about Your Rx Benefits

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Medco Tour of Champions

• An endorsement campaign featuring six Olympic gold medalists – each with a chronic or complex condition

• Promotes Specialist Pharmacists as providing a higher level of care for people with chronic and complex conditions like asthma and diabetes

• Campaign runs through 12/08

2008-2009 Plan Year

Cost for Health Coverage

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Coverage Categories

• Employee Only• Employee and Spouse• Employee and Child(ren)• Employee and Family

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Monthly Costof Coverage

Page 35 of the Enrollment Guide

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Application to Split Premium

• Married couples working for different participating entities may “pool” funds

• Optional

• Requires an Application to Split Premium form to be completed by both employees and both employers

2008-2009 Plan Year

How to Enroll

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How to Enroll

2 Complete an Enrollment Application and Change Form

•Available in the Enrollment Guide

•Also available online

1 Choose your health plan

3 Sign, date and submit form to your Benefits Administrator

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How to Enroll

• If you do not wish to make changes to your current health benefit plan, you do not need to submit an enrollment application form

– You will be enrolled in the same plan you selected for 2007-2008 at the same level of coverage

• To decline coverage: You must complete and submit a form – even if you have declined coverage before

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Can Changes in Coverage Be Made After Your Application Has Been Submitted?

• Changes can be made up to the end of your enrollment period• Plan choices will remain in effect through August 31, 2009

unless there’s a special enrollment event such as: – Marriage or divorce– Birth, adoption or placement for adoption of a child– A child marries or reaches age 25– A court order to provide health coverage for an eligible

child – Loss of coverage

• Changes must be made within 31 days after the event date (special rules apply to newborns)

• New application must be submitted for any change

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Cafeteria Plan Vendor(s)

• Making a change through the Section 125 vendor does not automatically generate a change to coverage under TRS-ActiveCare

• All changes to TRS-ActiveCare must be signed, dated and submitted on an Enrollment Application and Change Form

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Are There Preexisting Condition Exclusions?

• Pre-x does not apply to employees that initially enroll when the district/entity begins participating in TRS-ActiveCare or to new hires who enroll within 31 days after their actively-at-work date

• If covered at any time since 2002, pre-x may apply if employee is hired by another participating district/entity (or rehired by same district/entity) unless gap in coverage is less than 63 days and the employee has proof of prior creditable coverage

• A 12-month pre-x condition waiting period may apply due to:– A special enrollment event – A future plan enrollment period (to be determined by TRS for each plan

enrollment period)– A transfer to another participating district/entity (or rehire) if the employee

or any covered dependent has any remaining preexisting waiting period or a gap in coverage greater than 63 days

• Pre-x waiting period may be reduced by creditable coverage

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Important NoticeSupplemental Coverage

• TRS does not offer or endorse any supplemental coverage for any of the health coverage plans available under TRS-ActiveCare

• To obtain information about any coverage that claims to be a companion or supplement to any TRS-ActiveCare plan, employees should contact:– The organization making such offering and/or – The Texas Department of Insurance (TDI)

http://www.tdi.state.tx.us or the TDI Consumer Helpline (800) 252-3439

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Your TRS-ActiveCare ID card will be mailed to your home

• ActiveCare 1, 2 and 3 – New ID cards will not be issued

to current participants unless changing plans; new enrollees will receive new cards

• HMO plans – All HMO participants will receive

new cards (except for Scott and White Health Plans)

– Each individual covered under the plan will receive a card

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Enrollment Support

Dedicated Customer Service• ActiveCare 1, 2 or 3 1.866.355.5999

(Blue Cross and Blue Shield of Texas and Medco)

• FirstCare Health Plans 1.800.884.4901• Legacy Health Solutions 1.877.410.2432• Mercy Health Plans 1.800.617.3433• Scott and White Health Plan 1.800.321.7947• Valley Baptist Health Plans 1.800.829.6440

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Enrollment Support

Available Online

• Enrollment guide (English and Spanish)

• Downloadable forms(enrollment application, split premium, claim form, etc.)

• Provider locator• Frequently asked questions

www.trs.state.tx.us/trs-activecare

Thank you for attending

Questions