Roadshows & clarification for the Insurance Trust for Delta Retirees (formerly DALRC)

 

Welcome to health care and prescription drug benefits that can help you enjoy a healthy retirement. Exclusively for the Insurance Trust for Delta Retirees. New company. Same benefits. Plus extras. Choosing your health plan coverage is a big decision. As you learned earlier this year, the Insurance Trust for Delta Retirees has selected UnitedHealthcare® to provide both your retiree medical and prescription drug coverage, effective January 1, 2013. While most things, including your benefits, will stay the same, we are excited to provide you with some new benefits and services. In addition, by having your medical and prescription drug coverage all with one company, we are able to provide a more convenient customer service experience. Below you’ll find some information about your new plan. More information will be provided this fall. A great way to learn more will be to join us at one of the Road Show meetings and let us welcome you to a new beginning in health care coverage with UnitedHealthcare. Why UnitedHealthcare? 1 Dedicated Customer Service. You will now have just one phone number for help with both your medical and prescription drug benefit questions. Our retiree-only, focused customer service team is trained specifically on your group-sponsored plan. 3 Help controlling your costs. The Senior Supplement plan helps limit your out-of-pocket expenses by covering many of the costs that Original Medicare doesn’t cover. In addition, programs like Pharmacy Saver can help you save on the cost of prescription drugs. 2 Flexibility — no networks. We understand that your choice of doctors, hospitals and other health care providers is important to you. With the UnitedHealthcare® Senior Supplement plan, you have the freedom to choose any doctor or hospital anywhere in the country that accepts Medicare. 4 A national leader. With over 25 years experience, UnitedHealthcare is one of the nation’s largest health care coverage providers for older adults. Nationally, we serve one in five people eligible for Medicare.1 For more information, contact a personal Health Advocate. 1-877-325-7265, Option 2 TTY 711 8 a.m. to 8 p.m. local time, 7 days a week What our plan offers: Group premiums that do not differ by age or gender. 100% coverage for preventive services like an annual physical exam, flu and pneumonia shots, breast cancer screenings, prostate cancer screenings, colon cancer screenings and more. Pharmacy Saver program which lets you get generic prescription drugs for as low as $2 at many nationally and locally participating pharmacies such as Kroger, Publix, HyVee, Target and Safeway.2 hi HealthInnovations provides access to hearing devices at a reduced cost, potentially saving you thousands of dollars.3 You will continue to have programs like: Emergency Travel Assistance Online Will Program Identity Theft Protection Plus new programs like: SilverSneakers Fitness Program OptimizeMe Hearing Aid Benefit Pharmacy Saver Program Come find out what it’s all about. Join us for informational meetings to learn about the many benefits of the Trust’s Retiree Medical and Prescription Drug coverage available through UnitedHealthcare. All times are in the local time zone. Wednesday, October 31 10:00 a.m. Atlanta, GA Thursday, November 1 10:00 a.m. Orlando, FL Thursday, November 1 10:00 a.m. Hollywood, FL Thursday, November 1 10:00 a.m. Phoenix, AZ Thursday, November 1 10:00 a.m. Grapevine, TX Thursday, November 1 10:00 a.m. Seattle, WA Thursday, November 1 10:00 a.m. Revere, MA Thursday, November 1 10:00 a.m. Salt Lake City, UT Thursday, November 1 10:00 a.m. Marina Del Rey, CA Thursday, November 1 10:00 a.m. Memphis, TN Thursday, November 1 10:00 a.m. Hebron, KY Thursday, November 1 10:00 a.m. Kenner, LA Look for more information to arrive by mail later this month. And for the latest news first, be sure to check your email or go online to www.InsuranceTrust4DeltaRetirees.com. A UnitedHealthcare® Medicare Solution 12011 UnitedHealth Group Annual Report 2Drugs and prices may vary between pharmacies and are subject to change during the plan year. Prices are based on quantity filled at the pharmacy. Quantities may be limited by pharmacy based on their dispensing policy or by the plan based on Quantity Limit requirements; if prescription is in excess of a limit, copay amounts may be higher. Other pharmacies are available in our network. Members may use any pharmacy in the network, but may not receive Pharmacy Saver pricing. Pharmacies participating in the Pharmacy Saver program may not be available in all areas. 3The products and services described above are neither offered nor guaranteed under our contract with Medicare. In addition, they are not subject to the Medicare appeals process. Any disputes regarding these products and services may be subject to the UnitedHealthcare grievance process. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Benefits, premium and/or co-payments/co-insurance may change on January 1 of each year. Plan is insured or covered by UnitedHealthcare Insurance Company or one of its affiliates, a Medicare-approved Part D sponsor. UnitedHealthcare Senior Supplement group retiree plans are underwritten by UnitedHealthcare Insurance Company, a private insurance company not connected with or endorsed by the U.S. Government or the federal Medicare program. UnitedHealthcare is part of the UnitedHealth Group family of companies. UnitedHealthcare Senior Supplement plans are not Medicare Supplement plans. They are employer group retiree plans and may provide coverage that is different from a Medicare Supplement plan. In New York, the plans are called UnitedHealthcare Retiree Benefit Plans and are underwritten by UnitedHealthcare Insurance Company of New York. Senior Supplement plans may not be available in all states. SPRJ10917

This email was sent by: Insurance Trust for Delta Retirees, 1740 Hudson Bridge Road, Suite 1189 Stockbridge, GA, 30281

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9/21 from Sandy Rollins regarding the 2013 subsidy … every retiree, spouse and survivor who qualifies under the 1114 agreement will continue to receive the insurance subsidy in 2013 if they are plan participants in the Insurance Trust for Delta Retirees coverage. Delta has confirmed that it will continue to provide the subsidy including a cost of living increase for the entire 2013 plan year. Anyone participating in the Insurance Trust for Delta Retirees plans who qualified for the Delta subsidy in 2012 will continue to receive it in 2013.

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If I am understanding this correctly, the Delta subsidies for the Insurance Trust for Delta Retirees (formerly DALRC) will continue in 2013 for only a select few.

According to the 1114 agreement following bankruptcy:

All Retirees, Spouses and Survivors who are age-60 and over on January 1, 2007 each shall be eligible for the Age-65+ Subsidy upon attaining age-65 until at least December 31, 2011 (NOTE: Delta agreed to extend this subsidy through 2012).

However, only ERMO and PensionPLUS Retirees, Spouses and/or Survivors are guaranteed to receive this subsidy until December 31, 2015.  (I take the message below to mean that only these retirees will be eligible for the subsidy next year.)

See the excerpt from the 1114 agreement below.

If this is not correct, someone please let me know ASAP.

Carole Neubrand DFW Delta LINK caroleneubrand@sbcglobal.net

View this email as a web page  |  Unsubscribe Medical/Rx Premium Subsidy Cost of Living Adjustment Announced for 2013 Dear Trust Plan Member, Delta has advised the Trust Board of a cost of living increase for 2013 for those Insurance Trust for Delta Retirees Members who are eligible, as detailed in the 1114 Retiree Committee agreements. Delta has approved the Board providing this information ahead of their official announcement. We wish to again thank Delta for their continued support of retirees in the subsidy eligible class. The Trust’s goal is to make our plans the best available anywhere at any price. Subsidy makes a good price better for those eligible, and is greatly appreciated by those Members and the Trust Board. Look for the 2013 subsidy amounts in your enrollment kit in late October. If you have a question about the subsidy, please contact the Retiree Service Center at 1-877-325-7265, Option 1. Sincerely, Your Trust Board

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B. Cost Sharing at Age 65 or Over ( Age-65+ )

1. Age-65+ Retirees, Spouses, and Survivors each will be required to pay 100% of the cost of age-65+ medical, prescription drug and dental coverage if they participate in a plan or program affiliated with Delta (including the DALRC-Insurance Trust for Delta Retirees) that provides any such retiree benefits to age-65+ retirees. However, subject to the next sentence, each age-65+ Retiree, Spouse and/or Survivor who participates in the medical and/or prescription drug portions of such plan or program will receive a $50 monthly subsidy from Delta until at least December 31, 2011 ( Age-65+ Subsidy ).

Retirees, Spouses and Survivors who are age-60 and over on January 1, 2007 each shall be eligible for the Age-65+ Subsidy upon attaining age-65; otherwise, recipients of the Age-65+ Subsidy as described in this paragraph comprise a closed group as of January 1, 2007.

2. TheAge-65+ Subsidy for enrolled ERMO and PensionPLUS Retirees, Spouses and/or Survivors will continue until at least after December 31, 2015. Enrolled ERMO and PensionPLUS Retirees, Spouses and/or Survivors will be eligible for a one-year credit for the purposes of determining age and eligibility for the Age-65+ Subsidy described in (B)(1) above.

3. No eligible, age-65+ recipient may receive more than one Age-65+ Subsidy. (That is, where both Spouses are also Retirees, they shall each only receive one $50 per month subsidy and they will not each receive two $50 per month subsidies. If an age-65+ Retiree, Spouse or Survivor is also entitled to a subsidy under the term sheet agreement with the Section 1114 Pilot Retiree Committee, such a beneficiary shall not receive both subsidies, but shall receive the higher of the two subsidies he or she is entitled to.)

4. The Age-65+ Subsidy referenced in Sections IV(B)(1) and (2) shall, during the years after 2007 for which Delta is obligated to pay those subsidies under this Section IV(B), be adjusted annually starting on January 1, 2008 based on the change in the Consumer Price Index Urban Wage and Clerical Workers ( CPI-W ) for the 12-month period ending in July of the previous year. There is a maximum of a 3% increase for any year and there