Helping You Prepare For Your Upcoming Medicare...

© 2017 Willis Towers Watson. All rights reserved.

Helping You Prepare For Your

Upcoming Medicare Enrollment

September 28, 2017

© 2017 Willis Towers Watson. All rights reserved. Proprietary and Confidential. For Willis Towers Watson and Willis Towers Watson client use only. 2

Current Retiree Health Plan

Tufts University currently offers the following Over Age 65

group-sponsored plans:

—BCBS Medex Silver Medigap Plan

—Fallon Senior Advantage Plan

—Harvard Pilgrim Health Medicare Enhance Medigap Plan

—Tufts Health Plan Medicare Complement Medigap Plan

—Tufts Health Plan Medicare Preferred Advantage Plan

Trending Issues

—General costs of medical benefits escalating

—Retirees experience challenges paying for their health insurance

—Retirees are electing for more affordable plan options through the private

insurance market, waiving university group sponsored plans.


Current Retiree Health Plan Subsidy

Retiree Group Current

Retiree

Monthly Subsidy

For Tufts

Sponsored Plans

Current

Spouse

Monthly Subsidy

For Tufts

Sponsored Plans

Retired by 12/31/1993 100% 100%

Retirees or Employees Hired prior to and Meeting Age/Service

Eligibility Criteria as of 12/31/1993

$151.03 $151.03

Retirees or Employees Hired prior to but Not Meeting Age/Service


$151.03 None

Retirees or Employees Hired After 12/31/1993 None None


OneExchange

Effective January 1, 2018, Tufts University will transition to

plans offered on the OneExchange platform for Over Age 65

retirees.

Retirees will have access to comparable plans which will result

in lower costs for a significant number of retirees.

Based on the lower premium rates for plans through

OneExchange, the university will reduce its annual contribution

to retiree health for those receiving partial subsidies.

No impact to current Under Age 65 retiree health plan choices

—As was outlined in the August 15, 2017 letter


2018 Over Age 65 Subsidy Amounts

Retiree Group 2018 Retiree

Monthly

Subsidy

2018 Spouse

Monthly

Subsidy

Retired by 12/31/1993 $300 $300

Retirees or Employees Hired prior to and Meeting Age/Service


$70

$70

Retirees or Employees Hired prior to but Not Meeting Age/Service


$70 None

Retirees or Employees Hired After 12/31/1993 None None


Retiree Dental Benefit

The Retiree Dental Plan will remain a group sponsored plan choice through Tufts University.

We are transitioning our third party administrator from Crosby/Wage Works to EPBA.

—Your current Dental insurance election will continue in 2018 unless you change it during the annual Open Enrollment Period

• November 1 – 15

EPBA will send you a 2018 Open Enrollment communication during the month of October.


AGENDA

Coverage Option Considerations

Introduction to OneExchange

Selection and Enrollment Process

Next Steps


Turning 65? Here’s what you can expect…

Lots of

Mail!

Lots of

Information!

Lots of

Questions!

Your employer has selected

OneExchange from Willis Towers Watson

to help you navigate this process!


Coverage Option Considerations


Medicare

Advantage

Why Consider Supplemental Medicare Insurance?

ORIGINAL

MEDICARE

PART

A & B Medigap

+

Part D

Ex

po

su

res


OPTION 1

Medicare Advantage Plan with Prescription Drug Coverage (MAPD)*

* Note: Medicare Advantage plans are generally network based plans.

MEDICARE

ADVANTAGE

+

PRESCRIPTION

DRUG


OPTION 2

Medigap Plan + Part D Plan

Note: You may need to pay your first premium when you enroll in coverage.

MEDIGAP

PLAN

PART D

PLAN


Important Information

What you pay Depends on the plan you choose

Choose the right level of coverage for you and

your spouse individually

How you enroll You enroll directly through OneExchange

You and your Medicare-eligible spouse enroll in

separate plans

Your support OneExchange will be your partner as you make

this decision and enroll in plans

OneExchange will provide ongoing support —

at no cost to you


Introduction to OneExchange


OneExchange from Willis Towers Watson

Your Medicare Navigator!

The first and

largest private

Medicare exchange

in the nation

100+ carriers, representing

thousands of health benefit plans, allow benefit

advisors to match Medicare-eligible individuals to

the plan that best meets their needs and budget

1.7+Million retirees

from more

than 600+ employers

HIGH

#1

13th Year of Service

Customer

Satisfaction


Services Provided by OneExchange

Coverage

Consultation

Consultative

process:

Your Benefit Advisor

will determine

coverage needs and

thoroughly research

your options

Selection

Assistance

Ongoing

Advocacy

Enrollment

Services

Selection

process:

Your Benefit Advisor

will provide the

guidance you need

to easily understand

your Medicare

options

Enrollment

process:

100% paperless,

telephonic enrollment

Secure and efficient

Advocacy

Specialized and

focused; trained in

insurance, Medicare

and issue resolution


Plans and Partners

Wide selection of plans from leading national/regional carriers

Prescription Drug

(Part D)

Medicare

Advantage

Medicare Supplement

(Medigap)

Dental Plans and

Vision Plans

HAS ALL PLAN TYPES

http://www.google.com/url?sa=i&source=images&cd=&cad=rja&docid=Dq-OhZEaIOIw0M&tbnid=JI4YSuP2-Q8nPM:&ved=0CAgQjRwwAA&url=http://www.bloggingstocks.com/2007/10/01/express-scripts-esrx-hurt-by-walgreen-wag-earnings-miss/&ei=SydsUeWLD4ng0QHvmoCYDw&psig=AFQjCNGwH9UQgg5TZfn-k1eJ-dyaBgi73g&ust=1366128843292060


Service Centers

partnership

provides timely and accurate

responses to participants

The

Highlights:

High customer satisfaction

All conversations are recorded

Multilingual support

Operating Hours:

M-F 8am-9pm ET

Open Saturdays during AEP

Salt Lake City, UT

Dallas, Texas

Phoenix, AZ

administration and technology teams

between our service centers,


Our Service Team

Licensed Benefit

Advisors (BA)

Application Data

Processor (ADP)

Customer Service

Representatives (CSR)

Expert in

Medicare and Plan

Evaluation

Expert in

Application Compliance

Protocols

Expert in

Post-Enrollment

Advocacy

Answers

calls specifically regarding

enrollment and plan questions

Assists

customers with the

guided enrollment process

Answers

general questions about

the enrollment process


Selection and Enrollment Process


The OneExchange Process

2 1

3

Evaluate/Enroll

Educate

Manage


Educate

9 month postcard

6 month letter

3.5 month Enrollment Guide

12 month letter

64th

Birthday

65th

Birthday

Communication Outreach

Mailer Timing

Timing Communication

12 months prior to turning 65 Introduction Letter

9 months prior to turning 65 Refresher Postcard

6 months prior to turning 65 Appointment Reminder Letter

Schedule your enrollment appointment

3.5 months prior to turning 65 Enrollment Guide


Evaluate/Enroll

Our licensed benefit advisors thoughtfully guide participants through each step of the enrollment

process to ensure no steps are missed and informed decisions are made

Personalized

Plan Pricing

Decision

Support Tools

Guided

Enrollment

Confirmation

Statement

Licensed Benefits Advisors

are available by phone

year-round


Evaluate/Enroll

Skills Profile:

Service oriented

Healthcare and financial experience

Credentials:

Highly trained — OneExchange University™

State-licensed (BA only)

Certified by the insurance carriers

Certified by the State and Federal marketplaces

Client-specific training

Service Locations:

Richardson, Texas

South Jordan, Utah

Tempe, Arizona

100% of workforce is U.S.-based — no outsourcing

Objective and Unbiased Advice:

Neutral compensation

Incentives for quality customer service


Provider

Questions

Carrier

Questions

Appeals Re-Instatement of

Lapsed Coverage

Claim

Denial

Manage

Advocacy

Common Questions and Concerns

Benefits Advisors are

available by phone

year-round

I have new medication

that my plan says is not

covered and had to pay

full price for it. What are my,

or do I have any, options?

Yes you do Mr. Harris. You can ask

your doctor about submitting an

exception request to the carrier. If you

would like I can call the

doctor’s office and stay on

the line while you speak

to them, in case they need

any further information.

We are here

when you need us.

Appreciate the information

and that you mentioned the

claim form before I asked.

It’s nice to know there is

someone we can contact

for help with these types of problems.

Thank you.

If you have any other questions,

concerns, issues or need

help with anything,

Mr. Harris, please call back

and we would be happy

to help you.

Once the exception request

is approved you can then

submit a claim form for the

original medication cost.

Should you need any help

with the form, we can assist you with

that as well.

That won’t be necessary but thank

you for offering. This really

had me concerned but am

feeling relieved that it can

be taken care of.


64th birthday 64 & 3 months 64 & 6 months 64 & 9 months 65th birthday

Action Item Timeline

Receive

OneExchange

Introduction Letter

Receive

OneExchange

Refresher Postcard

OneExchange

Appointment

Letter

Visit

www.oneexchange.com

to familiarize yourself

with Medicare

Receive your

OneExchange

Enrollment Guide

Schedule your

OneExchange

enrollment

appointment

Contact your local

Social Security

Office about

enrolling in

Medicare Part A&B

Call to complete

your enrollment

appointment

Gather your

Medicare card,

prescription, doctor

and hospital

information

If you have questions, please call 1-855-322-2824 or

Email us at [email protected]

MEDICARE

PART

A & B


Don’t hesitate

to call. Questions

about our

webcasts? Call

1-855-372-3941

Questions about

enrollment, call

1-866-322-2824

Call

OneExchange to

schedule your

enrollment

appointment

6 months

prior to your

65th birthday

Apply for

Medicare

Part A & B

3 months

prior to your

65th birthday

Read all of the

OneExchange

mailers. You will

receive a total of

4 mailers before

you turn 65

Important Next Steps

MEDICARE

PART

A & B


Contact Information:

1-866-322-2824

[email protected]

Helping You Prepare For Your Upcoming Medicare...

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