Intel Retiree Medical Plan - Intel Retiree Organization

Annual Enrollment is October 22
through November 9
Intel Retiree Medical Plan
2013 Annual Enrollment Guide
Enroll at My Health Benefits Website
www.intel.com/go/myben or call
(877) 466-9236 (GoMyBen)

The Purpose of this Guide
The Annual Enrollment Guide is intended to outline the medical and prescription drug
benefit options available to you and to inform you of important plan changes for 2013.
It is important you take time to evaluate if your current coverage will meet your
needs in 2013. If you do not make any changes during Annual Enrollment, your
current coverage will continue.
Where Can You Get Help
Contact an Intel Health Benefits Center representative at (877) GoMyBen (466-9236)
for answers to your questions about:
• Annual Enrollment
• IRMP
• SERMA
During Annual Enrollment, the Intel Health Benefits Center will be available Monday
through Friday, 7 a.m. to 6 p.m. (Pacific). When calling the Health Benefits Center you
will be prompted to enter your password. If you have forgotten your password, or
haven’t created one yet, just say “representative” and your call will be routed to a
representative who can help you.
This guide is intended to satisfy the requirement to provide a summary of material modifications and should
be kept with your IRMP Summary Plan Description (SPD). The information in this guide is a summary of your
benefits and is not intended to take the place of or change official plan documents in any way. In the event
of any discrepancy between the information in this guide and the 2013 Intel Retiree Medical Plan SPD, the
SPD will prevail. Intel reserves the right to modify, change, or discontinue benefit plans at any time, at its
sole discretion.
2
2013 IRMP Annual Enrollment Guide

Table of Contents
The Purpose of this Guide............................................................................................. 2
Where Can You Get Help.............................................................................................. 2
A Message from Richard Taylor................................................................................... 4
Defining Your Options.................................................................................................... 6
• SERMA: Sheltered Employee Retirement Medical Account............................................6
• IRMP: Intel Retiree Medical Plan .....................................................................................................6
SERMA: The Flexibility to Spend Your
Healthcare Dollars How You See Fit........................................................................... 7
• Using SERMA for Non-Intel Sponsored Healthcare Premiums .....................................7
• Using SERMA for IRMP .........................................................................................................................7
• Frequently Asked Questions ............................................................................................................7
IRMP CIGNA Coinsurance............................................................................................... 8
IRMP CIGNA Indemnity with Rx................................................................................... 9
IRMP CIGNA Indemnity without Rx...........................................................................10
A Note on How the CIGNA Indemnity Plans Work................................................. 11
Aon Hewitt Navigators: A Resource for Medicare-Eligible Retirees................ 12
Making your Annual Enrollment Elections.............................................................. 13
• How to Enroll in IRMP Online.........................................................................................................13
• When Do Benefit Election Changes Take Effect..............................................................13
2013 IRMP Premiums...................................................................................................14
Annual Enrollment is October 22 through November 9
Enroll at My Health Benefits Website www.intel.com/go/myben
or call (877) 466-9236 (GoMyBen)
Annual Enrollment: Oct. 22 – Nov. 9, 2012 3

A Message from Richard Taylor
Dear Intel Retiree,
Healthcare costs continue to climb much faster than inflation and unfortunately some of the retiree medical plans will be
impacted again this coming year. In 2013, the premiums for the Intel Retiree Medical Plan (IRMP) Coinsurance Plan and the
IRMP Indemnity Plan with Prescription Coverage will increase by 9 percent. The premiums for the IRMP Indemnity Plan
without prescription coverage will not increase.
On the positive side, we are providing you with more opportunities to take control of your SERMA dollars and we are bringing
you a new voluntary dental plan option.
Since Intel introduced SERMA portability in 2011, the majority of retirees have used SERMA to purchase coverage other
than IRMP, saving them quite a bit of money each year. We are now making it possible for retirees to save even more money.
Beginning January 2013, retirees who enroll in IRMP plans will also be able use their SERMA balance on non-IRMP insurance
coverage. This means IRMP members may now submit health insurance premiums for their spouses who have other individual
insurance coverage.
Since one of our top requests is for dental insurance, MetLife is offering voluntary dental plans to Intel retirees. You will be
receiving information directly from MetLife on when and how to enroll. As an additional advantage, you may use your SERMA
credits to pay for eligible vision and dental insurance premiums, including the MetLife plan.
Richard Taylor,
Senior Vice President, Intel
Director, Human Resources
As you approach this year’s Annual Enrollment, I’d ask that you invest the time and attention necessary to make an informed
decision for you and your family. I encourage you to use the resources available during Annual Enrollment to help you get the
information you need to make the right decisions. While Intel can’t fully control the external environment and eliminate the
escalating cost of healthcare, we each have the ability to help minimize costs—and that starts with making informed decisions
In good health,
Richard Taylor
Senior Vice President, Intel Corporation
Director, Human Resources
SERMA: Sheltered Employee Retirement Medical Account
4
2013 IRMP Annual Enrollment Guide

Be Well by Choosing a Healthy Lifestyle
Intel has partnered with the Mayo Clinic, a world-renowned medical group
operated by the Mayo Foundation, to provide you a convenient and confidential
way to understand and evaluate the state of your health. The Mayo Clinic
Health Assessment is voluntary and available at no cost to you. You can use
the Mayo Clinic website anytime during the year.
Step 1: Start with an Initial Health Check
Obtain your health check measurements from your healthcare provider. Your
health check measurements should include cholesterol and glucose levels, as
well as your height, weight, and blood pressure.
Step 2: Complete the Mayo Clinic Online Questionnaire
Use your health check results to complete the online Mayo Clinic Health
Assessment questionnaire at www.intel.mayoclinic.com (you will need to
create a user name and password to access the site.) The assessment takes
about 20 minutes. The results will be available to you online immediately in
the form of a Personal Health Report.
Step 3: Review your Results
The information in your Mayo Clinic Personal Health Report will contain
recommendations and directions to improve and/or maintain your health.
It will outline any health risks you may have and link you to Mayo Clinic
and Intel-based programs and tools to address these risks.
Your Privacy is Our Promise
Intel understands the importance of your privacy and is committed to making
sure your personal information remains private and completely confidential.
You will interact with and share personal information directly with Mayo
Clinic. Intel will only receive information pertaining to individual health in
an aggregated and unidentified form for use in the design of health and
wellness programs.
Annual Enrollment: Oct. 22 – Nov. 9, 2012
5

Defining Your Options
When you retired from Intel as a U.S. employee, Intel established a SERMA 1 for you. You
may use your SERMA credits to pay for Intel Retiree Medical Plan premiums or you may
reimburse yourself for eligible non-Intel sponsored healthcare premiums.
For more information on SERMA, go to page 7.
IRMP: Intel Retiree Medical Plan
The IRMP is the medical plan available from Intel Corporation to eligible retirees and their
eligible dependents.
The plan is designed to provide access to comprehensive medical coverage for:
• Retirees and their eligible dependents who are Medicare-eligible (typically, age 65
and over); or
• Retirees and their eligible dependents who are unable to purchase health insurance
coverage elsewhere due to a medical condition (IRMP does not exclude coverage
for pre-existing conditions).
IRMP Member Eligibility
Make Sure Your Family Members Are Eligible for Coverage
Intel’s medical plans have specific requirements for who can be covered as an eligible
dependent. It is your responsibility to ensure that only your eligible dependents are
enrolled and to make necessary adjustments if needed. If you are Medicare-eligible
and your eligible dependent is not, or vice-versa, the Medicare-eligible person will
be eligible to enroll in one of the IRMP Indemnity options, and the non-Medicareeligible
person will be eligible to enroll in the CIGNA Coinsurance plan. For a complete
description of the dependent eligibility requirements, refer to the IRMP Summary
Plan Description (SPD). For a copy of the SPD, contact the Intel Benefits Center at
(877) 466-9236, or visit the “Your Resources” tab on the Intel Health Benefits
website, at www.intel.com/go/myben.
Proof of Continuous Healthcare Coverage (HIPAA Certificate)
May Also Be Required
Generally, in order to enroll in the IRMP, you and your eligible dependents are required
to provide a HIPAA Certificate showing proof of continuous healthcare coverage for
the previous 18 months. The HIPAA Certificate must be received by the Intel Health
Benefits Center within 30 days of your enrollment date.
If you are not Medicare-eligible (typically if you under age 65 you are not eligible
for Medicare), you may enroll in the CIGNA Coinsurance Plan. For more information
go to page 8.
If you are Medicare eligible, you may enroll in either the CIGNA Indemnity Plan with
RX or the CIGNA Indemnity plan without Rx. The difference between the plans is the
“with Rx” plan includes a prescription drug benefit. For more information, go to pages
9 and 10.
If you are enrolling your dependents in IRMP; please review the eligibility rules
on page 6.
The IRMP may not be the best plan for all retirees. Retirees under age 65, who are
healthy, can often purchase health insurance that costs much less than the
comprehensive coverage offered by the IRMP.
1
For information on your SERMA balance, contact the Intel Health Benefits Center at (877) 466-9236,
or online at www.intel.com/go/myben under Your Spending Account tab.
6
2013 IRMP Annual Enrollment Guide

SERMA: The Flexibility to Spend
Your Healthcare Dollars How You See Fit
You have the ability to use SERMA to pay for
all or part of your IRMP premium or to reimburse
yourself for the cost of other eligible
health insurance premiums. With the ability to
pay for the plan that best meets your needs,
SERMA can increase your health insurance
options and help you make the most out of
your SERMA credits.
What’s changing for 2013
• SERMA credits may be used for
non-employer sponsored dental
and vision premiums.
• SERMA credits may be used to pay
for both IRMP premiums and other
non-employer sponsored medical
premiums at the same time.
Using SERMA for Non-Intel
Sponsored Healthcare Premiums
You may use your SERMA credit to
reimburse yourself for premiums paid
for you and your eligible dependents
until you exhaust your account. Eligible
reimbursements may include premium
payments for:
• Individual health insurance
• Individual dental insurance
• Individual vision insurance
• Other employer retiree group plans
• COBRA
• Medicare
• Medigap
• Long-term care
Annual Enrollment: Oct. 22 – Nov. 9, 2012
If you are enrolled in IRMP, you may also use
your SERMA credit toward other eligible
healthcare premiums. For example, if you
are on the IRMP plan and your spouse is enrolled
in a non-employer sponsored medical
plan, you may now use your SERMA toward
both your IRMP premium and your spouse’s
non-Intel premium expenses.
For information on your SERMA
balance, contact the Intel Health
Benefits Center at (877) 466-9236, or
online at www.intel.com/go/myben under
Your Spending Account tab. The Your
Spending Account website allows you to:
• View your SERMA account balance
• Submit claims (you have the option to
submit claims online, by fax or by mail)
• Check the status of your claims
• Learn more about eligible expenses
Using SERMA for IRMP
If you are enrolled in IRMP, you may use
your SERMA credits to offset your monthly
premium until you exhaust your account.
During Annual Enrollment you may elect
how much of your IRMP premium you would
like paid from your SERMA each month;
25 percent, 50 percent, 75 percent or
100 percent. Your IRMP premium payments
will be paid directly from your SERMA;
you do not need to submit a claim for
reimbursement. The percentage you elect
will apply to both your and your enrolled
dependent’s premiums. If you chose a
SERMA contribution other than 100
percent, you are responsible for paying
the remainder of the premium cost.
Frequently Asked Questions
Q: Can I be enrolled in IRMP and use my
SERMA to purchase other insurance
as well
A: Yes, new in 2013 you can enroll in IRMP
and also request SERMA reimbursement
for eligible premiums such as the MetLife
Dental Plan.
Q: Can I use SERMA to purchase coverage
for my spouse or dependent children
A: Yes, you can use your SERMA to
purchase individual insurance for
yourself, your spouse, and your
eligible dependent children.
Q: If I want to remain enrolled in IRMP, may
I use SERMA to purchase other coverage
for my family
A: Yes, if you are enrolled in IRMP you may
use SERMA towards IRMP premiums
for yourself, while also requesting
reimbursement for eligible non-IRMP
premiums for your dependents.
Q: I am enrolled in my spouse’s employer
group medical plan. Can I use SERMA
to pay the premium
A: No, you may not use SERMA to reimburse
yourself for another company’s active
employee group coverage.
METLIFE OFFERS
DENTAL COVERAGE
MetLife is offering voluntary dental
plans to Intel Retirees. These plans
offer access to comprehensive dental
coverage. You will be receiving communications
directly from MetLife on
when and how to enroll.
You may use your existing SERMA
balance to reimburse yourself for any
eligible dental premium.
7

IRMP CIGNA Coinsurance
What You Need to Know Before You
Enroll in this Plan:
• Retirees and dependents who are not
eligible for Medicare (typically those who
are under the age of 65) can enroll in the
IRMP CIGNA Coinsurance Plan.
• Retirees, who are healthy, can often
purchase individual health insurance that
costs much less; contact your local health
insurance agent or State’s Department of
Insurance for health insurance information
and pricing.
What’s Changing for 2013
• Premiums increasing from $822
to $896 per person.
2013 Monthly Premium
You Only
Spouse 2 Only
Child(ren) 3 Only
You + Spouse
You + Child(ren)
Spouse + Child(ren)
You + Spouse + Child(ren)
$896 $1,792 $2,688
2
Spouse definition includes eligible Domestic Partners.
3
Same price for child or multiple children.
IRMP CIGNA Coinsurance Plan Benefit Summary
Additional details available at www.intel.com/go/myben or in the IRMP Summary Plan Description (SPD); call Intel Benefits Center
to request the IRMP SPD.
In-Network
Out-of-Network
Deductible $600 Individual/$1,200 Family $600 Individual/$1,200 Family
There is a separate deductible for in-network and out-of-network care
Out-of-Pocket Maximum
$3,000 Individual/$6,000 Family
Medical Services
20% coinsurance 40% coinsurance
(e.g., office visit, hospital inpatient,
outpatient, ancillary services)
Vision Exam $0 copayment Reimbursed up to $42
Eyeware
Limits apply
$25 copayment for lenses
$130 allowance for frames or contacts
Lens reimbursement:
Single – $40; Bifocal – $60
Trifocal – $80; Lenticular – $125
Frame reimbursement: $70; or,
Contact reimbursement: $130
Prescription Benefit
Retail
(34-day supply)
Mail
(90-day supply)
Retail Penalty 4
(34-day supply)
Generic $10 $20 $20 5
Preferred Brand
Non-Preferred Brand
Formulary
(list of plan approved drugs)
20% coinsurance
$25 minimum/$60 maximum
40% coinsurance
$40 minimum/$100 maximum
4
Penalty applies after the first two purchases of a maintenance (long-term) prescription at a retail pharmacy.
5
The out-of-pocket costs beyond the standard benefit will not apply towards deductible/out-of-pocket maximums.
20% coinsurance
$62.50 minimum/$150 maximum
40% coinsurance
$100 minimum/$250 maximum
Please review at www.medco.com/intel
50% coinsurance 5
$25 minimum
50% coinsurance 5
$40 minimum
8
2013 IRMP Annual Enrollment Guide

IRMP CIGNA Indemnity with Rx
What You Need to Know Before You
Enroll in this Plan:
• Retirees and dependents that are eligible
for Medicare can enroll in the IRMP CIGNA
Indemnity with Rx Plan.
• This plan includes prescription drug
coverage. If you enroll in this plan, you
do not need to purchase a Medicare
Part D program to provide prescription
drug benefits.
• This plan coordinates with Medicare which
means that it will only provide a benefit
for services not covered by Medicare.
See note/examples on page 11.
What’s Changing for 2013
• Premiums increasing from $500 to $545
per person.
Resources Available to Help You:
Aon Hewitt Navigators is an optional
resource offered through Hewitt, to help
Medicare-eligible retirees navigate the
complex health insurance market during
Medicare Open Enrollment (October 15 to
December 7, 2012) and beyond. This service
is available at no cost to you. To contact
Aon Hewitt Navigators, call the Health
Benefits Center Monday through Friday at
(877) GoMyBen (466-9236) and select the
Aon Hewitt Navigators option.
2013 Monthly Premium
You Only
Spouse 6 Only
Child(ren) 7 Only
You + Spouse
You + Child(ren)
Spouse + Child(ren)
You + Spouse + Child(ren)
$545 $1,090 $1,635
6
Spouse definition includes eligible Domestic Partners.
7
Same price for child or multiple children.
IRMP CIGNA Indemnity Plan with Rx Benefit Summary
Additional details available at www.intel.com/go/myben or in the IRMP Summary Plan Description (SPD); call Intel Health Benefits
Center to request the IRMP SPD. Also refer to Medicare Part A & B (www.medicare.gov).
Medicare
Indemnity Plan
Deductible Part B deductible may apply $500 Individual/$1,000 Family
Medical Services
20% coinsurance 20% coinsurance
(e.g., office visit, hospital inpatient,
outpatient, ancillary services)
Vision Exam Not covered $0 copayment
Eyeware
Limits apply
Not covered
$25 copayment for lenses
$130 allowance for frames or contacts
Prescription Benefit
Retail
(34-day supply)
Mail
(90-day supply)
Retail Penalty 8
(34-day supply)
Generic $10 $20 $20 9
Preferred Brand $20 $40 $40 9
Non-Preferred Brand $30 $60 $60 9
Formulary
(list of plan approved drugs)
Please review at www.medco.com/intel
8
Penalty applies after the first two purchases of a maintenance (long-term) prescription at a retail pharmacy.
9
The out-of-pocket costs beyond the standard benefit will not apply towards deductible/out-of-pocket maximums.
Important Note: Intel Annual Enrollment and Medicare Open Enrollment do not occur at the same time. Aon Hewitt Navigators will help
coordinate any changes that may be necessary to your Intel elections as a result of your Medicare Open Enrollment elections.
Annual Enrollment: Oct. 22 – Nov. 9, 2012
9

IRMP CIGNA Indemnity Without Rx
What You Need to Know Before You
Enroll in this Plan:
• Retirees and dependents who are eligible
for Medicare can enroll in the IRMP CIGNA
Indemnity without Rx Plan.
• This plan does not cover prescription
drugs. If you enroll in this plan, it is recommended
that you purchase a Medicare
Part D program to obtain prescription
drug benefits.
• This plan coordinates with Medicare which
means that it will only provide a benefit
for services not covered by Medicare.
See note/examples on page 11.
What’s Changing for 2013
• Your premiums will remain unchanged
for 2013.
Resources Available to Help You:
Aon Hewitt Navigators is an optional
resource offered through Hewitt, to help
Medicare-eligible retirees navigate the
complex health insurance market during
Medicare Open Enrollment (October 15 to
December 7, 2012) and beyond. This service
is available at no cost to you. To contact
Aon Hewitt Navigators, call the Health
Benefits Center Monday through Friday at
(877) GoMyBen (466-9236) and select the
Aon Hewitt Navigators option.
2013 Monthly Premium
You Only
Spouse 10 Only
Child(ren) 11 Only
You + Spouse
You + Child(ren)
Spouse + Child(ren)
You + Spouse + Child(ren)
$175 $350 $525
10
Spouse definition includes eligible Domestic Partners.
11
Same price for child or multiple children.
IRMP CIGNA Indemnity Plan without Rx Benefit Summary
Additional details available at www.intel.com/go/myben or in the IRMP Summary Plan Description (SPD); call Intel Health Benefits
Center to request the IRMP SPD. Also refer to Medicare Part A & B (www.medicare.gov).
Medicare
Indemnity Plan
Deductible Part B deductible may apply $500 Individual/$1,000 Family
Medical Services
20% coinsurance 20% coinsurance
(e.g., office visit, hospital inpatient,
outpatient, ancillary services)
Vision Exam Not covered $0 copayment
Eyeware
Limits apply
Not covered
$25 copayment for lenses
$130 allowance for frames or contacts
Prescription Drugs Not covered Not covered
Important Note: Intel Annual Enrollment and Medicare Open Enrollment do not occur at the same time. Aon Hewitt Navigators will help
coordinate any changes that may be necessary to your Intel elections as a result of your Medicare Open Enrollment elections.
10
2013 IRMP Annual Enrollment Guide

A Note on How the CIGNA Indemnity Plans Work
The IRMP CIGNA Indemnity plans assume you are enrolled in Medicare Part A and B. The
plans will only cover eligible expenses not covered by Medicare. After you reach the plan
deductible, the plan then pays a percentage of covered charges (based on Medicare allowable
charges), your coinsurance amount is 20 percent or a copayment based on the service
received (see plan compare for details). Below are two examples of how the plan works:
Example: You have met your annual IRMP deductible. You visit your doctor and the bill is
$100. Medicare considers $65 of the charge an allowable Medicare reimbursement.
Doctor submits bill $100
Medicare allowable on this bill $65
Medicare Pays 80% of allowed amount $52 (65 x .80)
Your coinsurance amount (20% of allowed amount) $13 (65 x .20)
CIGNA Indemnity Plan pays $0
Your Total Out-of-Pocket $13
Why does the plan pay $0 The IRMP CIGNA Indemnity Plan reimburses 80 percent of
the $65 allowed by Medicare. The IRMP CIGNA Indemnity amount is reduced by the
amount paid by Medicare. In this case, since the CIGNA benefit of $52 (80 percent of $65)
is the same amount paid by Medicare, therefore, the amount paid by the IRMP CIGNA
Indemnity plan is $0.
Example: You have not met your annual IRMP deductible and are hospitalized.
The bill is $50,000. Medicare considers $11,951 of the charge an allowable
Medicare reimbursement.
Hospital submits bill $50,000
Medicare allowable
$11,951
This is the maximum amount the provider may charge for the
services provided.
Medicare pays $10,795
Your Medicare Deductible
$1,156
This is the amount you would owe the provider if you were not
enrolled in IRMP.
Your Out-of-Pocket after Medicare $1,156
Your IRMP Cigna Plan deductible $500
Allowable amount applied to IRMP $ 656
Your coinsurance amount (20% of allowed amount) $131.20
(656 x .20)
IRMP Cigna Indemnity Plan pays (80% of allowed amount) $524.80
(656 x .80)
Your Total Out-of-Pocket on IRMP Indemnity
$631.20
The $500 deductible plus the $131.20 coinsurance.
If you are enrolled in IRMP your total out-of-pocket cost for this hospitalization is
$631.20 vs. $1,156 if you were only enrolled in Medicare.
In this example, Medicare pays $10,795, the IRMP Cigna Indemnity plan pays
$524.80, and you pay $631.20
Benefits of the IRMP Cigna Indemnity Plans
Once you have met the Indemnity Plan out-of-pocket maximum, the plan will pay
100 percent of your eligible expenses. Also the plans will cover some non-Medicare
eligible expenses such as vision and for those enrolled in IRMP with Rx, prescription drugs.
Annual Enrollment: Oct. 22 – Nov. 9, 2012
11

Aon Hewitt Navigators: A Resource
for Medicare-Eligible Retirees 12
Aon Hewitt Navigators is an optional resource offered to help Medicare-eligible retirees
navigate the complex health insurance market during Medicare Open Enrollment (October
15 to December 7, 2012) and beyond. This service is available at no cost to you.
Aon Hewitt Navigators works with many insurance companies, which allows them to offer
unbiased, expert advice. They will work with you to compare many plans to find coverage
that is right for your specific healthcare needs and budget.
Beginning with Medicare Open Enrollment, Aon Hewitt Navigators will be available. Aon
Hewitt Navigators will send an introductory kit to eligible retirees prior to the Medicare
Open Enrollment period to provide more information on how to use their services. During
Medicare Open Enrollment, Aon Hewitt Navigators will be available Monday through Friday,
6 a.m. to 6 p.m. (Pacific). To contact Aon Hewitt Navigators, call the Health Benefits Center
Monday through Friday at (877) GoMyBen (466-9236) and select the Aon Hewitt Navigators
option. Aon Hewitt Navigators will continue to be available year-round for those who
elect Medicare eligible plans.
12
Aon Hewitt Navigators is a service offered through Aon Hewitt, not an Intel sponsored program.
12
2013 IRMP Annual Enrollment Guide

Making Your Annual Enrollment Elections
If you make no changes, the coverage
you have today will automatically continue
in 2013.
The My Health Benefits website will
provide you tools and resources to allow
you to prepare, understand, and enroll
in the IRMP.
• You can access the website at
www.intel.com/go/myben.
• You will need to login with your User ID
and password.
• If you are accessing the site for the first
time, you will be asked to create a User
ID and password to login.
• To create your User ID, select “Register as
a New User” and follow the instructions.
• You will be asked to create a password and
answer a series of security questions.
• You can also make your elections over
the phone by contacting the Intel Health
Benefits Center at (877) 466-9236.
How to Enroll in the IRMP Online:
• Click the “Enroll” button. Then click the
medical plan.
• Select the plan option you want
to enroll in.
• Save your choices by selecting the
“Complete Enrollment” button.
• Print a copy of your confirmed elections
for your records. You can visit the My
Health Benefits website at any time to
view your elections. You may also make
changes to your elections multiple times
during Annual Enrollment.
There are certain changes not
available on the web; you must call
the Intel Health Benefits Center to
complete your enrollment if:
• You have dependents with split eligibility
(one who is Medicare eligible and one who
is not Medicare eligible).
• You are enrolling in IRMP for the first time.
• You have experienced a qualifying
change-in-status event (such as marriage).
When Do Benefit Election
Changes Take Effect
The benefit elections you make during
this Annual Enrollment period will become
effective January 1, 2013. The next opportunity
for you to make IRMP or Sheltered
Employee Retiree Medical Account (SERMA)
changes will be during next year’s Annual
Enrollment, or if you experience a qualifying
change-in-status event during the year.
You may be required to provide proof of
18 months of continuous health coverage
(see page 6).
If You Elect Coverage
Other Than IRMP
You are encouraged to explore options outside
of IRMP to get the best value for your
healthcare dollars. However, if you choose
not to enroll in IRMP, you may be required
to show proof of continuous health coverage
if you have a qualifying reason to enroll
at a later date (see page 6).
As You Explore Obtaining Health
Insurance Outside of Intel, Please
Be Aware
Companies selling individual health
insurance typically require a review
of your medical history that could result in
a higher premium or a denial of coverage.
You may wish to contact your local health
insurance agent or your state’s Department
of Insurance to assist you in selecting and
enrolling in a health insurance plan.
Have Questions: Call the Intel Health
Benefits Center at (877) 466-9236.
If you do not remember your password
state the word “representative” until you
reach a live agent.
need help
• To explore your Health Insurance
options call (877) 466-9236
– If you are not Medicare-Eligible,
an Intel Health Benefits Center
representative will help you explore
coverage options in your area.
– If you are Medicare-Eligible, call
the number above and select the
Aon Hewitt Navigators option. A
representative will help you find
and enroll in a Medicare supplemental
plan that is right for you.
• If you have questions regarding the
CIGNA plans, call (800) 468-3510 or
visit CIGNA online at www.mycigna.com
• If you have questions regarding
Medicare, call (800) 633-4227 or visit
Medicare online at www.medicare.gov
• If you have questions regarding prescription
drug coverage, call Medco at
(800) 899-2713 or visit Medco online
at www.medco.com
Annual Enrollment: Oct. 22 – Nov. 9, 2012
• If you have questions regarding
your vision coverage, call EyeMed
t (866) 798-9193 or visit EyeMed
online at www.eyemedvisioncare.
com/intel 13

2013 IRMP Premiums
The following charts provide you a glance of the monthly and annual cost of the IRMP premiums and how much you would pay if you elect SERMA to pay for a portion of your premium.
Non-Medicare (typically under age 65) – IRMP CIGNA Coinsurance Plan
Monthly
SERMA Election You Only 13 Spouse/DP
You +
0%
(or No SERMA)
You + Child(ren)
or Spouse/DP +
Child(ren)
You + Spouse/
DP + Child(ren)
$896 $1,792 $1,792 $2,688
25% $672 $1,344 $1,344 $2,016
50% $448 $896 $896 $1,344
75% $244 $488 $488 $672
100% $0 $0 $0 $0
13
You only = Individual coverage of any eligible retiree, spouse or domestic partner, or child.
Annually
SERMA Election You Only 13 Spouse/DP
You +
0%
(or No SERMA)
You + Child(ren)
or Spouse/DP +
Child(ren)
You + Spouse/
DP + Child(ren)
$10,752 $21,504 $21,504 $32,256
25% $8,064 $16,128 $16,128 $27,192
50% $5,376 $10,752 $10,752 $16,128
75% $2,688 $5,376 $5,376 $8,064
100% $0 $0 $0 $0
Medicare (typically age 65 and over ) – IRMP Indemnity Plan with Rx
Monthly 14
SERMA Election You Only 15 Spouse/DP
You +
0%
(or No SERMA)
You + Child(ren)
You + Spouse/
DP + Child(ren)
$545 $1,090 $1,090 $1,635
25% $409 $818 $818 $1,226
50% $273 $545 $545 $818
75% $136 $273 $273 $409
100% $0 $0 $0 $0
14
Rounded to the nearest whole number.
15
You only = Individual coverage of any eligible retiree, spouse or domestic partner, or child.
Annually
SERMA Election You Only 15 Spouse/DP
You +
0%
(or No SERMA)
You + Child(ren)
You + Spouse/
DP + Child(ren)
$6,540 $13,080 $13,080 $19,620
25% $4905 $9,810 $9,810 $14,715
50% $3,225 $6,540 $6,540 $9,810
75% $1,613 $3,270 $3,270 $4,905
100% $0 $0 $0 $0
Medicare (typically age 65 and over ) – IRMP Indemnity Plan without Rx
Monthly
SERMA Election You Only 16 Spouse/DP
You +
0%
(or No SERMA)
You + Child(ren)
You + Spouse/
DP + Child(ren)
$175 $350 $ 350 $525
25% $131.25 $262.50 $262.50 $393.75
50% $87.50 $175 $175 $262.50
75% $43.75 $87.50 $87.50 $131.25
100% $0 $0 $0 $0
16
You only = Individual coverage of any eligible retiree, spouse or domestic partner, or child.
14
Annually
SERMA Election You Only 16 Spouse/DP
You +
0%
(or No SERMA)
You + Child(ren)
You + Spouse/
DP + Child(ren)
$2,100 $4,200 $4,200 $6,300
25% $1,575 $3,150 $3,150 $4,725
50% $1,050 $2,100 $2,100 $3,150
75% $525 $1,050 $1,050 $1,575
100% $0 $0 $0 $0
2013 IRMP Annual Enrollment Guide

Notes
Good Health Pays Off In More Than One Way
The healthy choices you make can help you live a longer, healthier life, and reduce your
overall healthcare costs. Given the substantial investment you make in your health
coverage, it makes sense to use your plan well and make healthy lifestyle choices.
Use Your Preventive Care Benefits
Taking advantage of preventive care such as annual exams and health screens allows
you to keep yourself on the road of good health by addressing health issues before
they become more serious.
If you choose to participate in IRMP, you can help reduce your costs by:
• Accessing in-network care 17 instead of out-of-network care. 18 Costs are higher
for you and for Intel when you use out-of-network providers.
• Accessing a primary care provider before going to a specialist.
• Scheduling an in-office doctor appointment instead of using the emergency room
for minor injuries or routine care.
• Using the nurse line (800) 468-3510 has no cost to retirees, and nurses can assist
you in determining the type of care you should seek.
• Requesting generic drug(s) or using mail order service (or both).
17
In-network care providers, such as physicians and hospitals, have contracted with the provider’s
network to provide services at a discounted rate.
18
Out-of-network care providers have not contracted with the provider’s network.
Annual Enrollment: Oct. 22 – Nov. 9, 2012
15

Copyright © 2012 Intel Corporation. All rights reserved. Intel and the Intel logo are trademarks of Intel Corporation in the U.S. and other countries.
Printed in USA 0912/LR/HBD/PP/5K Please Recycle CPS# H000112863