2020 benefits options for retirees ages 65 and older
Retirees ages 65 and older do not have access to LCRA’s group medical and prescription drug plan. (Note: retirees who are 65 and older and have children on an LCRA group plan will continue to be covered under LCRA’s group medical and prescription drug plans until they no longer carry children on the plan.)
LCRA’s benefits program for retirees 65 and older includes vision, dental and legal insurance.
|Medical and prescription insurance||There are many Medicare Supplement plan providers in the marketplace from which to choose. If you wish to consider a UnitedHealthcare Medicare solution, refer to the enrollment packet from UHC or contact them at 877-791-9964 for assistance with enrollment and supplemental plans.
If you are eligible to receive the retiree reimbursement, you must participate in a UHC Medicare solution. LCRA will contribute to RRAs for those eligible to participate at the following rates in 2020: up to $125 each month for a participating retiree and up to $100 for a participating spouse. For assistance with the UHC RRA, call 877-298-2305.
|Dental insurance||Dental insurance through MetLife covers preventive care at 100 percent when you use a network dentist. Participants may choose when to schedule four preventive cleanings within the calendar year. The calendar year maximum benefit is $2,000. View a summary of the plan benefits. Participants won’t receive a dental insurance ID card. Your dentist will call MetLife to verify coverage.
Dental information is also available through the MetLife mobile app.
|Vision insurance||EyeMed – Benefits include coverage for eye exams, frames, lenses and contacts. Two plans are available.
The standard plan offers a maximum frames allowance of
The enhanced plan offers a maximum frames allowance of $150 every 12 months on lenses and frames. Choose contact lenses in lieu of the eye glass lenses and frames benefit at $150 per year. Participants pay a $0 copay for an eye exam once every 12 months.
Participants won’t receive a vision insurance ID card. Your optometrist will call EyeMed to verify coverage.
|Prepaid legal plan|| ARAG – offers two prepaid legal plans, Ultimate Advisor and Ultimate Advisor Plus. Both give you access to a national network of credentialed lawyers – you choose your lawyer. Most covered legal matters are 100-percent paid-in-full when you work with a network attorney. The plans also offer access to legal databases and other online and over-the-phone legal resources.
The Ultimate Advisor Plus plan also includes comprehensive identity theft coverage, financial counseling, divorce representation and resources to help you with caregiving and eldercare issues. Learn more about both plans.