Other Things You Need to Know When You Become Medicare-Eligible
Medical Plan Benefits May Change
Some plans that the Company offers, such as the CAP Plan and Kaiser, provide different benefits for Medicare-eligible members. Some plans even require you to assign your Medicare benefits to the plan's Medicare HMO in order to remain enrolled in the plan. The Company will notify you of your medical plan options approximately four months before you or your dependent turns 65 and becomes Medicare-eligible.
Contributions May Change
When you turn 65 and are Medicare-eligible, the premium contributions you pay for your medical plan may change. This is because your contributions are based on your participation in a Medicare-coordinated plan, and because the Company's contribution toward your coverage changes (see "Cost of Coverage" in the Health Care Participation section for further information).
If Your Spouse Becomes Medicare-Eligible
If your spouse becomes Medicare-eligible during the year, your medical plan premium may change. In addition, your spouse's medical plan benefits will change if the plan you are enrolled in has different benefits for Medicare-eligible members. If your medical plan only offers a Medicare HMO plan to its members on Medicare, your spouse will be required to assign his or her Medicare benefits (both Parts A and B) to the Medicare HMO in order to remain covered by that carrier. If your spouse does not assign his or her Medicare benefits to the Medicare HMO, he or she will be switched to the CAP Plan, administered by Anthem Blue Cross. Members and dependents must be covered by the same carrier, so if your spouse is switched to the CAP Plan, you will also be switched to an Anthem Blue Cross plan, and you will be responsible for that plan's premium.