2008 Benefits Guide - AARP

[Pages:28]2008 Benefits Guide

ThinkSmart . ThinkAhead

Revised: 1/14/2008

The power to make it better.

How to Use This Guide

As a resource throughout the year for benefit questions

As a quick reference for benefit contacts

To clarify your role -- and the role of HR -- in handling benefit claims

Table of Contents

Be an Active Participant in Your Benefits . . . . . . . . . . . . . .1 Where to Go for More Information . . . . . . . . . . . . . . . . . . .2 Your AARP Employee Benefits . . . . . . . . . . . . . . . . . . . . .3 Medical Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Point-of-Service (POS) Plan Options . . . . . . . . . . . . . . .5 Kaiser HMO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Indemnity/Out-of-Area Plan . . . . . . . . . . . . . . . . . . . . . .8 Contributions for Your Medical Coverage . . . . . . . . . . . .8 Your Prescription Drug Benefits . . . . . . . . . . . . . . . . . . . . .9 Your Vision Benefit Options . . . . . . . . . . . . . . . . . . . . . . .10 Your Dental Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Your Flexible Spending Accounts . . . . . . . . . . . . . . . . . . .12 Your Transit Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Income Protection Benefits . . . . . . . . . . . . . . . . . . . . . . . .15 Retirement Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Your 401(k) Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Your Pension Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Additional Benefits and Programs . . . . . . . . . . . . . . . . . . .20 Paid Time Away from Work . . . . . . . . . . . . . . . . . . . . . . . .22

Updates to this Guide:

? New Domestic Partner Eligibility Guidelines for 401(k), Pension, Health and Income Protection Benefits

? Pension Plan multiplier changed to 1.0% for employees hired on or after 1/1/08

? Legal Insurance through Legal Resources in addition to the legal benefit already available to employees as members

Revised: 1/14/2008

Be an Active Participant in Your Benefits

Take an active part in your AARP benefits:

Read this guide to understand basic information about your benefits.

Learn more about the plans AARP offers you through the benefit overviews and the Summary Plan Descriptions on InfoNet and the carrier websites.

Review the benefits and coverage that are right for you (and your family) each year during Open Enrollment.

Find the benefit forms you need on InfoNet.

Use the health resources available on your carrier's website (UHC or Kaiser).

If you are traveling, remember you can use in-network providers/facilities in other states.

If you are traveling outside of the U.S., please take an international reimbursement claims form (available on InfoNet) with you.

Call a carrier directly if you have questions about your coverage, before you receive a treatment or test if you are unsure of coverage, or about a specific claim. If you are dissatisfied with the carrier's response, or if you still have questions, contact the Benefits team.

Think Smart...

It is important to ensure that you (and your family) have the coverage you need when you need it most.

Think Ahead...

Because we all have different needs, AARP offers you a choice of benefits to fit your lifestyle. From medical plans to life insurance, you select the programs and benefit levels that meet your needs.

Revised: 1/14/2008 1

Where to Go for More Information

For Information or Questions About...

Contact

By Phone and/or Email Online

How to enroll

HR Service Delivery Representatives

phone: 1-202-434-2800 email: HRBlueTeam@ HRGreenTeam@

HR Lakewood Team

phone: 1-562-496-5212 email: HRPurpleTeam@

401(k)

T. Rowe Price

1-800-922-9945

rps.

Dental

Delta Dental

1-800-932-0783



Flexible spending accounts

CBIZ Payroll and Flex

1-800-815-3023, option 4

Leave programs

Andrew Palomino AARP Benefits Department

1-562-496-5306

email: apalomino@

Life and accidental death & dismemberment

Aetna

1-800-523-5065



Medical (including Prescriptions)

UnitedHealthcare (POS only) (PPO and Indemnity)

1-866-844-4864 1-866-633-2482



Kaiser (Mid-Atlantic) Kaiser (California)

1-800-777-7902



1-800-464-4000 (English)

1-800-788-0616 (Spanish)

Pension

T. Rowe Price

1-800-922-9945

rps.

Transit program ? Mass transit option

HR Service Delivery Representatives

phone: 1-202-434-2800 email: HRBlueTeam@ HRGreenTeam@

HR Lakewood Team

phone: 1-562-496-5212 email: HRPurpleTeam@

Transit program ? Parking option CBIZ Payroll and Flex

1-800-815-3023, option 4

Vision

Vision Service Plan

1-800-877-7195



Voluntary Benefits

Long-Term Care Insurance: Call MetLife ? 1-800-438-6388 Legal Resources Benefit: Legal Resources ? call 1-800-728-5768 or email

Still Not Sure?

If you have questions about your covered benefits or benefit payments and cannot find the answer in the Summary Plan Descriptions (SPDs) on InfoNet, call the carrier or contact the Benefits team for more information.

2 Revised: 1/14/2008

Your AARP Employee Benefits

At AARP, we are committed to providing a flexible, comprehensive benefits package for our employees. Each year, you have the opportunity to select the benefits -- such as medical, dental, life insurance, and transit -- that make the most sense for you (and your family).

AARP provides the choices; you make the decisions.

Who is Eligible for Benefits?

You are eligible for benefits if you are a full-time or part-time employee* who is scheduled to work at least 21 hours per week (or at least 14 hours per week in an approved job share arrangement). If you are eligible, your spouse and dependent children are also eligible until age 19, or age 25 if a full-time student.

If you and/or your dependents lose eligibility, you may be eligible to continue certain benefits through COBRA or other continuation. Please refer to the applicable SPD posted on InfoNet for more details.

Domestic Partner Eligibility Any employee eligible to participate in medical, vision, dental or life insurance coverage offered through AARP may elect to cover a domestic partner -- same or opposite sex -- or children of a domestic partner under those plans. The value of premium contributions made by AARP toward a domestic partner is considered taxable income for the employee. Also, employee contributions toward domestic partner coverage must be made on a post-tax basis. Details regarding domestic partner eligibility and the enrollment process are found on InfoNet or from your HR Service Delivery Representative. Effective January 1, 2008, a domestic partner covered under the medical vision, dental and/or life insurance plans offered through AARP will be considered a domestic partner under the 401(k) and pension plans. See page 19 for further information under Beneficiary Information.

When Are You Eligible for Benefits?

Qualifying Status Change

In certain situations you may be permitted to change your benefit elections during the year. The Internal Revenue Service (IRS) imposes restrictions on the kinds of changes you may make to certain coverages outside of the annual Open Enrollment Period. According to these restrictions, you cannot change your elections during the plan year, except in the case of a qualifying status change that results in a "change in family or work status" or in the case of certain cost or coverage changes, including changes under another employer's plans. Also, the new election that you make must be on account of and consistent with the change in coverage or reason for the change in coverage.

Benefit Enrollment Benefit

When

New Hires

Medical Dental Stand-Alone Vision

Life Insurance Short-Term Disability Flexible Spending Accounts

1st of the month following date of hire (as long as enrollment deadlines are adhered to)

401(k)

Business Travel Accident

Long Term Disability* Legal Resources Benefit Long-Term Care Insurance

Immediately

1st of the month following 6 months of employment 1st of the month following 60 days of employment 1st of the month following approval by MetLife

When Can You Change Your Benefit Elections?

Benefit Enrollment

Current Employees

Benefit

Changes to:

Medical

Stand-Alone Vision

Life insurance

Flexible Spending Accounts

Legal Resources Benefit

Dental

Changes to: 401(k) Long-Term Care Insurance

When

Annual open enrollment period, or an eligible "qualifying status change" (see InfoNet for further details)

Annual open enrollment following a 24-month waiting period unless you have a "qualifying status change" Any time Any time

* Long term disability insurance has different eligibility -- you must be regularly scheduled to work at least Revised: 1/14/2008 3

26.25 hours per week to be eligible for long term disability.

ThinkAhead

AARP provides a variety of medical plan options. You choose what plan best meets your (and your family's) needs.

Do you know about the vast array of information and tools available on your carrier's website? Check it out.

Medical Benefits

Your medical plan options include the following:

UnitedHealthcare Choice Plus includes two national Open Access Point-of-Service (POS) medical options: "Standard" and "High." These options cover both in-network and out-of-network coverage. Your costs are generally less when you receive care from in-network providers.

Kaiser Permanente Health Maintenance Organization (HMO): covers the MidAtlantic area (parts of Maryland, Virginia, and Washington D.C.), and California only. Kaiser provides comprehensive coverage (much of it at 100%), but only when you receive care from Kaiser providers.

UnitedHealthcare Indemnity/Out-of-Area option: available in general only to those employees who live in a location that is deemed "medically underserved" by the Office of Personnel Management (OPM). There are exceptions to this general rule though, and for more details about eligibility for the Indemnity/Out-of-Area Plan, refer to page 8 of this guide. If you are eligible to participate in the Indemnity/Out-of-Area Plan, you may see any provider (similar to the POS Plan). Please note that out-of-network providers can bill you for charges in excess of the reimbursement maximums.

Comparing Medical Option Benefit Features

The table below provides a high-level, side-by-side comparison of the 2008 AARP medical options. For more details on each medical option, refer to pages 5-9 of this guide.

2008 AARP Medical Options

UHC Standard Open Access POS In-Network Out-of-Network*

UHC High Open Access POS In-Network Out-of-Network*

UHC Indemnity/ Out-of-Area*

Kaiser HMO Mid-Atlantic California

Annual deductible None

Individual: $500 (per covered member) Family: $1,500 (for all covered members)

None

Individual: $500 (per covered member) Family: $1,500 (for all covered members)

None

None

None

Primary care office visits

100% after $20 co-pay

Specialty care office visits

100% after $30 co-pay

What the plan

90%

pays for most other

covered services

70% after deductible

70% after deductible

70% after deductible

100% after $15 co-pay

100% after $25 co-pay

100%

70% after deductible

70% after deductible

70% after deductible

90% 90% 90%

100% after $15 co-pay

100% after $25 co-pay

100%

100% after $10 co-pay

100% after $10 co-pay

100%

Annual out-of-

Individual:

pocket maximum $1,750 (per

(includes deductible)** covered

member)

Family: $5,250

(for all covered

members)

Individual: $3,500 (per covered member) Family: $10,500 (for all covered members)

None

Individual: $3,500 (per covered member) Family: $10,500 (for all covered members)

Individual:

Individual:

$1,750 (per $3,500 (per

covered

covered

member)

member)

Family: $5,250 Family:

(for all covered $9,400 (for

members)

all covered

members)

Individual: $1,500 (per covered member) Family: $3,000 (for all covered members)

* Benefits for out-of-network services are "capped," based on a formula that uses area "reasonable & customary" charges as a basis. ** Excludes all co-pays, out-of-pocket expenses resulting from charges above R&C, and other out-of-pocket expenses for mental

health/substance abuse benefits.

4 Revised: 1/14/2008

UHC Point-of-Service (POS) Plan Options*

The UHC Standard Open Access POS and High Open Access POS options are all about choice. Both options are "open access," which means you do not have to select a primary care physician when you enroll, and you may see any provider in UHC's POS network to receive the in-network level of benefits.

In-Network Benefits When you visit any provider in the UHC POS network, you will receive in-network benefits. Providers in the network are physicians or other medical professionals who have agreed to honor your membership card and bill UHC directly for services rendered based upon contracted rates or discounts.

Out-of-Network Benefits You are also free at any time to visit providers who do not participate in a UHC network. You are still covered, but your out-of-pocket costs will be higher. If you visit a provider outside the UHC network, you may be responsible for paying your provider in full at the time services are rendered. You will then need to submit a claim to UHC to receive reimbursement. You must first meet the $500 per calendar year deductible. After that reimbursement for eligible charges is based on a maximum that is tied to "reasonable and customary" charges (R&C) for each service. It is important to note that out-of-network providers can bill you for charges that exceed the program reimbursement level. If the actual charge is more than the R&C amount, you pay 100% of the difference between the actual charge and the R&C amount, in addition to any applicable deductible and coinsurance amounts. Consequently, in order to know what your out-of-pocket liability is, you may want to compare what your out-of-network provider will charge you for a procedure with what UHC's "reasonable and customary" charge is for the same procedure before undergoing the procedure. Out-of-Network and Indemnity/Out-of-Area benefits are based on R&C charges established in your area. R&C charges are based on what most providers in your area charge for a particular service. For information on how to calculate approximate costs of selected health care services by area, go to and click on Estimate Health Care Costs.

UHC Preferred Provider Organization (PPO) Options*

UHC offers a PPO network instead of a POS network in certain areas due to contractual limitations in the states -- Idaho, Montana, Pennsylvania (Harrisburg only), Puerto Rico, and the U.S. Virgin Islands. The PPO benefits are the same as POS benefits. The only difference is that employees will use the PPO network instead of a POS network in these areas.

Employees living in Hawaii have a separate PPO Plan that complies with state regulations.

How UHC Deductible, Coinsurance, and Out-of-Pocket Maximums Work When deductibles and coinsurance apply, in order for benefits to be paid, you must first satisfy an annual deductible (based on eligible charges). Once you have satisfied this deductible, the plan will pay a percentage of eligible charges, and you will pay a percentage (called coinsurance) until you reach the out-of-pocket maximum (also based on eligible charges). After you have satisfied the out-of-pocket maximum, the plan pays 100% of eligible charges for the remainder of the year. (You will still be responsible for certain out-of-network charges.)

*Prior notification may be required before you receive certain services. Refer to the Summary Plan Descriptions on InfoNet for further information.

Find a Doctor...

To find a doctor or to see if your doctor participates in UnitedHealthcare's POS provider network, go to . Select "UnitedHealthcare Choice Plus" as the health plan.

More About Reasonable and Customary (R&C) Charges

Out-of-network and Indemnity/Out-of-Area benefits are based on R&C charges established in your area. R&C charges are based on what most providers in your area charge for a particular service.

Revised: 1/14/2008 5

Feature

UHC POS & Indemnity/Out-of-Area Plans Benefit Highlights

UHC Standard Open Access POS

UHC High Open Access POS

In-Network

Out-of-Network*

In-Network

Out-of-Network*

UHC Indemnity/ Out-of-Area*

Annual deductible None

Individual: $500 (per covered member) Family: $1,500 (for all covered members)

None

Individual: $500 (per None covered member) Family: $1,500 (for all covered members)

Annual out-of-pocket Individual: $1,750 (per

maximum (includes covered member)

deductible)**

Family: $5,250 (for all

covered members)

Individual: $3,500 (per None (there are no covered member) in-network out-ofFamily: $10,500 (for pocket costs except all covered members) for co-pays)

Individual: $3,500 Individual: $1,750 (per covered member) (per covered member) Family: $10,500 (for Family: $5,250 (for all all covered members) covered members)

Office visits Doctor's office Specialist office Routine physical exams*** Maternity care

Well baby care***

$20 co-pay $30 co-pay 100%

70% after deductible $15 co-pay 70% after deductible $25 co-pay 70% (no deductible) 100%

70% after deductible 90% 70% after deductible 90% 70% (no deductible) 100%

90% after $30 co-pay (first visit only)

100%

70% after deductible 100% after $25 co-pay 70% after deductible 90% (first visit only)

70% (no deductible) 100%

70% (no deductible) 100%

Outpatient care X-ray, lab tests

Outpatient surgery

90% 90%

70% after deductible 100% 70% after deductible 100%

70% after deductible 90% 70% after deductible 90%

Inpatient mental health/ substance abuse (up to a 30 day maximum for combined in- and out-of-network)

90%

70% after deductible 100%

70% after deductible 90%

Outpatient mental health/ substance abuse (up to a 50 visit maximum for combined in- and out-of-network)

100% after $25 co-pay for individual session and $15 for group session

70% after deductible

100% after $20 co-pay for individual session and $10 for group session

70% after deductible 90%

Emergency care

100% after $75 co-pay (waived if admitted)

70% after deductible if non-emergency care. Emergency care covered at in-network level

100% after $75 co-pay (waived if admitted)

70% after deductible if non-emergency care. Emergency care covered at in-network level

100% after $75 co-pay for true emergency. 90% for non-emergency

Inpatient hospital services

90%

(including maternity)

70% after deductible 100%

70% after deductible 90%

Lifetime maximum Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

* Benefits for out-of-network services are "capped," based on a formula that uses area "reasonable & customary" charges as a basis. ** Excludes all co-pays, out-of-pocket expenses resulting from charges above R&C, and other out-of-pocket expenses for

mental health/substance abuse benefits.

*** Additional information on these wellness benefits can be found on InfoNet.

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