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Choices, Education, Research
|The Department of Central
Management (CMS) is moving forward with its plan to implement the
Medicare Advantage healthcare program for state retirees. At
the time of this writing, the four insurance plans to be offered and
the vendors chosen to provide them have been identified. However,
because vendors not chosen have until October 8 to dispute the
selections, details of these four plans will not be made public
until after that date.
The four healthcare plans and the vendors selected are:
1. Aetna Life Insurance Company - Medicare
2. Humana Health Plan - Medicare Advantage HMO.
3. Humana Benefit Plan - Medicare Advantage HMO for
the counties of Livingston and Knox.
4. United Healthcare - nationwide Medicare
A contract for a Medicare Supplement plan was not awarded by CMS.
CMS is currently planning to send a letter to retirees after October
8 identifying the insurance plans available to them and the
requirements for making a choice.
If a retiree/survivor and their dependents are eligible for regular
Medicare, then they must change their insurance coverage by making a
choice from one of the following:
a) Drop regular Medicare
and choose one of the plans offered in the state Medicare Advantage
b) Keep regular Medicare
and drop out of the state’s healthcare program (referred to as
“opting out”). In addition, consider doing something (optional) such
as purchasing a private Medicare Supplement Plan (Medigap) or
enrolling in a spouse’s non-state health insurance plan (if/when
If a retiree/survivor or any of their covered dependents are not
eligible for regular Medicare, then they will not be required to
change their current healthcare insurance at this time.
CMS Healthcare Education
It is very important that you read all CMS letters and follow their
instructions for making your decisions and for providing information
CMS is posting information on its website
as they make decisions. Check it frequently to obtain the most
current information available. Go to
click on ‘State Employee Benefits’ and then click on ‘Group
Insurance Benefits and Programs’.
CMS will host healthcare seminars throughout
the state. Staff from CMS will provide information and answer
questions. Representatives from the insurance providers awarded
contracts for the state retiree healthcare program are expected to
be at the fairs to answer questions.
CMS and the vendors will send multiple mailings
to retirees. These letters are expected to include
information about the four Medicare Advantage plans, the dates and
locations of the healthcare seminars, the required procedure for
choosing the healthcare you wish to use, and the required schedule
for submitting the forms.
Please refer to the September 2013 issue of The Reporter for information
provided under the heading – “Begin Your Research Now”. Also
available on the RSEA website www.rsea4u.org.