Council on Aging Answers 2015 - 102

COUNCIL ON AGING - ORANGE COUNTY

Retiree Health Plan
Benefits vs . Medicare:
Evaluate the Risks
INSURANCE

n Linda walton RN, MS, Council on Aging -
Orange County

Retiree health plans can vary widely so it is important
to know what benefits your plan provides, how your
plan works, and how or if it coordinates with Medicare.
As a general rule, retiree health plans are equal to or
better than Medicare. They offer a broader prescription
drug benefit, and some include vision and dental plans
NOT included with Medicare.
Questions to ask about retiree coverage:
n Does it cover the gaps in Medicare?
n Does it have "creditable coverage" prescription
program?
n Does my retiree plan include dental, vision, and
hearing care?
n Can my retiree plan fill gaps in my Medicare
drug coverage (Part D)?
n Is there coverage for my spouse?
If you're in the Federal Employee Health Benefit
(FEHB) Program and become eligible for Medicare,
consider whether or not to enroll in Medicare, especially
Part B.
If you have group health benefits through the Cali102

Answers Guide 2015

fornia Public Employees Retirement System (CALPERS)
and become eligible for Medicare or already have Medicare, obtain a copy of the CALPERS Medicare Enrollment guide. It will explain how CALPERS and Medicare
work together and your plan options.
Considering changing your existing retiree plan to
Medicare? Understand the details. Many retiree plans
will not let you re-enroll if you change to Medicare.
Most retiree plans require enrollees to sign up for
Medicare Parts A and B. To understand what your retirement insurance covers, contact your company's Human Resources Benefits Coordinator. Ask them who to
call if your benefits change or you have problems getting
benefits paid. Conduct a cost comparison and evaluate
the risks.
For additional information contact your company
benefits coordinator or the Council on Aging's Health
Insurance Counseling & Advocacy Program (HICAP)
at 800-434-0222.
HICAP is a no-cost service to help you understand
and maximize your Medicare benefits. Funded in part
by the California Department of Aging, HICAP is the
most dependable source of unbiased, accurate and upto-date Medicare-related information.

COUNCIl ON AGING - ORANGe COUNTY IS A 501 (C)3 NONpROFIT CORpORATION. TO DISTRIbUTe ANSweRS FRee OF COST, we mUST Sell ADveRTISING SpACe. wHIle we AppReCIATe THe pAID lISTINGS IN ANSweRS, THeIR
Aging and Disability Resource Connection | 800-510-2020 | www.adrcoc.org
INClUSION does not imply a recommendation or endorsement of products or services by coaoc. AlwAYS be A vIGIlANT CONSUmeR. veRIFY INFORmATION AND SeeK ReFeReNCeS wHeRe AppROpRIATe.



Council on Aging Answers 2015

Table of Contents for the Digital Edition of Council on Aging Answers 2015

Contents
Council on Aging Answers 2015 - Intro
Council on Aging Answers 2015 - Cover1
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