Ohio Hcap Application Online - PDF - PDF

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					                                                                                                             SPECIAL
                                                                                                                 SPECIAL
                                                                                                             EDITION
                                                                                                                 EDITION

                                                                                          News
State Teachers Retirement System of Ohio | 275 E. Broad St., Columbus, OH 43215-3771 | 1-888-227-7877 | www.strsoh.org                               JULY 2008

     Retirement Board Approves Premiums for 2009 in                                                                                      Help With Open
                                                                                                                                         Enrollment Available
     Preparation for Health Care Open-Enrollment Period                                                                                  to Members This Fall
        At its June 2008 meeting, the State Teachers Retirement Board approved the premiums                                                 To help guide STRS Ohio members
     for calendar year 2009 for all of the health care plans offered through the STRS Ohio
                                                                                                                                         through the annual health care
     Health Care Program. The same factors that affect health care costs nationwide also
                                                                                                                                         open-enrollment process, STRS Ohio
     affect STRS Ohio’s members. Medical and drug trend rates continue to outpace the
                                                                                                                                         will offer the Health Care Program
     CPI (Consumer Price Index). Contributing to these high trend rates is the continuing
                                                                                                                                         Highlights Meeting on multiple
     introduction of new medical technologies and high-cost services, as well as new
     prescription drugs. Biomedical and specialty drugs, such as oral cancer medications in                                              dates throughout Ohio in November.
     particular, are exponentially adding to costs. Year-over-year cost increases are projected to                                       This meeting will be of special
     be 20% to 30% for these types of medicines. For STRS Ohio, these drugs could increase                                               interest to members who are trying
     to 25% from 10% of the total amount spent on prescription drugs in just the next two to                                             to gain a better understanding of
     three years.                                                                                                                        the plans offered under the STRS
                                                                                                                                         Ohio Health Care Program, as they
        Another factor considered in calculating STRS Ohio’s premiums is the claims
                                                                                                                                         decide which health care plan best
     experience for each of the health care plans’ risk pools (e.g., non-Medicare benefit
     recipients enrolled in Medical Mutual and non-Medicare spouses enrolled in Medical                                                  meets their current health care
     Mutual). The 2009 premiums also reflect the board’s continuation of its contribution                                                 needs.
     strategy of providing a premium subsidy of 2.5% per year of service, up to a 75%                                                       During each two-hour session,
     maximum, for eligible benefit recipients, and requiring spouses and dependents to pay                                                STRS Ohio representatives will
     100% of applicable rates.                                                                                                           review the 2009 health care
        A representative sampling of the premiums for 2009 are shown in the charts below.                                                premium information and cost-
                                                                                                                                         saving measures. All STRS Ohio
                            Monthly Premiums for 2009 — Without Medicare                                                                 health care plans available in the
                                                                                      Preferred Provider                                 area are discussed at the meetings,
             Benefit           Indemnity and Preferred Provider Organization (PPO)                                Commercial HMO
                                                                                      Organization (PPO)                                 and attendees are given the
            Recipient
             Years of                     Medical                       Medical                                                          opportunity to ask questions at
                             Aetna Basic              Aetna Plus                                               Kaiser      Paramount
             Service                     Mutual Basic                  Mutual Plus        AultCare PPO                                   the meeting’s conclusion. Advance
                                Plan                     Plan                                               Permanente     Health Care
                                            Plan                          Plan
                                                                                                                                         registration is required. You may
      30+ Years of Service       $145         $111            $294        $207                $40               $60           $115
                                                                                                                                         register beginning Oct. 1. To
      20 Years of Service        $256         $222            $500        $413               $225               $266          $321       register, call STRS Ohio toll-free
      15 Years of Service        $311         $277            $604        $517               $329               $370          $425
                                                                                                                                         at 1-888-227-7877, or register
                                                                                                                                         online at www.strsoh.org (where
      <15 Years of Service       $478         $444            $914        $827               $639               $680          $735
                                                                                                                                         directions are also available).
      Spouse                     $505         $457            $838        $760               $588               $625          $685       After registering, you will receive
                                                                                                                                         a confirmation letter with further
                 Monthly Premiums for 2009 — With Medicare Parts A & B                                                                   details. Space is limited; one guest
                                                                                                                                         per member, please.
                                                                     Preferred Provider     Commercial
             Benefit                        Indemnity                                                              Medicare HMO
                                                                     Organization (PPO)        HMO                                          Meetings will be offered at
            Recipient
             Years of         Aetna Basic Plan    Aetna Plus Plan
                                                                                            Paramount
                                                                                                              Kaiser
                                                                                                                           Paramount     1 p.m. and 6 p.m. on each date;
             Service             & Medical          & Medical          AultCare PPO                        Permanente
                              Mutual Basic Plan   Mutual Plus Plan
                                                                                            Health Care
                                                                                                           Medicare Plus
                                                                                                                              Elite      dates and locations are as follows:
      30+ Years of Service          $40                 $73                 $52                $115            $44            $43          Nov. 4           Strongsville
      20 Years of Service           $77                $147                $126                $189            $118          $117          Nov. 5           Boardman
      15 Years of Service           $97                $184                $163                $226            $155          $154          Nov. 6           Canton
      <15 Years of Service          $155               $294                $273                $336            $265          $264          Nov. 11          Cincinnati
      Spouse                        $175               $336                $297                $383            $289          $305          Nov. 12          Dayton
                                                                                                                                           Nov. 13          Athens
        Complete lists of premiums for all health care plans are available on STRS Ohio’s Web
     site (www.strsoh.org) or by calling STRS Ohio’s Member Services Center toll-free at                                                   Nov. 17          Mayfield
     1-888-227-7877. In late October, all current enrollees will also receive personalized                                                 Nov. 18          Perrysburg
     information that outlines their 2009 plan options and monthly premiums. Open
     enrollment will run from Nov. 1 through Nov. 25, 2008.                                                                                Nov. 19          Columbus
                                                                                                                                           Registration begins Oct. 1, 2008.
                                                                                               News
                                                                                               SPECIAL EDITION




      Additional Health Care Program News
      New Medicare Coordination of Benefits Program Offers $0 Copayments for Eligible Drugs and
      Supplies Beginning Aug. 1
         Beginning Aug. 1, 2008, the STRS Ohio Health Care Program will offer a $0 copayment for designated Medicare
      Part B-covered drugs and supplies that are coordinated with Medicare. At its June 2008 meeting, the Retirement Board
      approved this program change for individuals who receive
      their prescription drugs through Express Scripts (enrollees in  The STRS Ohio Health Care Program will
      the Aetna and Medical Mutual health care plans). The $0         offer a $0 copayment for designated
      copayment will apply to Medicare Part B drugs and supplies      Medicare Part B-covered drugs and supplies
      that are dispensed by a participating Medicare retail pharmacy that are coordinated with Medicare.
      or through Express Scripts’ Medicare Part B mail-order
      pharmacy, NationsHealth.
         Select medications in the following therapeutic classes are eligible for coordination under Medicare Part B: diabetic
      testing supplies; respiratory medications and nebulizers; and immunosuppressive, oral anticancer and oral antiemetic
      medications. When a pharmacy claim for one of these eligible drugs or supplies is coordinated with Medicare Part B,
      it means that the claim is submitted to Medicare first for primary payment and then to Express Scripts for secondary
      payment. This process is known as coordination of benefits.
        Detailed information about this new program will be mailed to all eligible health care plan enrollees within the next
      few weeks.

      Health Care Premium Assistance Expanded to Eligible Survivors, Beneficiaries
         For several years, STRS Ohio has offered the Health Care Assistance Plan (HCAP) to create a safety net for
      low-income enrollees. Currently, benefit recipients with 25 or more years of service credit and all disability benefit
      recipients can participate in the HCAP if their annual family income does not exceed $23,800 and their household
      liquid assets are at or below $23,800. (A home is not considered a liquid asset.) The HCAP offers a $0 monthly
      premium. Individuals enrolled in the Aetna or Medical Mutual Plus Plans also have lower out-of-pocket costs.
         During its June 2008 meeting, the Retirement Board voted to expand the HCAP to include all beneficiaries of retired
      teachers with 25 years or more of service, and all survivors of disabled teachers or active teachers — regardless of the
      deceased member’s years of service. This change goes into effect on Jan. 1, 2009.
         To participate in the program, an application must be completed and returned to STRS Ohio. For more information
      or to receive an application, call STRS Ohio’s Member Services Center toll-free at 1-888-227-7877.

      Enrollment in a Medicare Part D Plan Not Necessary
        STRS Ohio members who are enrolled in Medicare and an STRS Ohio-sponsored health care plan do not need to
      enroll in a separate Medicare Part D prescription drug plan for 2009. STRS Ohio will continue to offer prescription
      drug coverage that is as good as or better than the standard Medicare Part D coverage.
                                                 STATE TEACHERS RETIREMENT BOARD

         Jeffrey Chapman, Chair           Craig C. Brooks         Thomas W. Johnson              Dennis Leone        Constance K. Ramser
         Retired Teacher Member          Appointed Member          Appointed Member         Retired Teacher Member     Teacher Member

Mary Ann Quilter Cervantes, Vice Chair   Taiyia L. Hayden            John Lazares              Mark H. Meuser         Susan Tave Zelman
          Teacher Member                 Teacher Member             Teacher Member             Teacher Member        Superintendent of Public
                                                                                                                            Instruction
                                                                      ■
44-971F, 7/08/94M                                     Michael J. Nehf, Executive Director

				
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