The eligibility and enrollment rules for the U

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Retiree Health Care SPD Effective January 1, 2012 address as your mailing address will ensure you receive all retiree health care mailings. For example: John’s permanent address is Minnesota. John doesn’t like Minnesota winters so from December to April, he lives in Arizona. Just before John leaves for Arizona (his alternate address), he contacts the U.S. Bank Employee Service Center and designates his Arizona address as his mailing address. Just before John returns to Minnesota, he contacts the U.S. Bank Employee Service Center and designates his Minnesota address as his mailing address. By doing this, John is sure to receive all mailings regarding his retiree health care. If you are enrolled in the UnitedHealthcare, Medica or Kaiser option, you will also need to refer to the materials provided to you by UnitedHealthcare, Medica or Kaiser to determine the provisions and requirements of these benefit options while traveling. It is important to remember not to change your alternate address to your permanent address. If you do change your alternate address to your permanent address, your health care option may change. If you are enrolled in the Kaiser option and that option is not available to you in your new location, you will have to enroll in the option available in your new location. Once you have changed coverage from Kaiser to another option, you will not be allowed to re-enroll in the Kaiser option, even if you change your permanent address back to the Kaiser network area. Please note: This process does not apply to a covered dependent that may spend part of the year away at school. Refer to the “Non-Custodial and Full-Time Student Dependents Under the Early Retiree Medical Option” section in this SPD. If Your Address Changes It is important that you call the U.S. Bank Employee Service Center to report any change of address as soon as possible. You may update your address by calling the U.S. Bank Employee Service Center at 1-800-806-7009 and asking a representative to update your address. Some address changes may result in a change to your Retiree Health Care Program option. In that event, the process is different depending on the option that you are enrolled in. Please refer to the following to determine how the process will work for you: • In you are enrolled in the Early Retiree Medical option and there is no longer a BCBS network available in your area, you will automatically be placed in the Comprehensive option. If you are enrolled in the Comprehensive option and there is a now a BCBS network available in your area you will be automatically place in the Early Retiree Medical option. The U.S. Bank Employee Service Center will send you a letter confirming this change. You can obtain information about providers in your new location by visiting the BCBS Web site or by calling their phone number. • If you are enrolled in the Medica or UnitedHealthcare Plan option, and your current option is not available at your new location, the U.S. Bank Employee Service Center will send you an enrollment kit to enroll in the option that is available in your area. It is critical that you complete the enrollment application into your new option and return it the U.S. Bank Employee Service Center right away, to avoid a lapse in coverage. To obtain information about providers in your new location contact your new 108
Retiree Health Care SPD Effective January 1, 2012 UnitedHealthcare or Medica Plan option. See the “Important Resources” section of this SPD for contact information. • If you are enrolled in the Kaiser Colorado option and it is not offered in your new area, and you are pre-65 and not Medicare eligible you will automatically be enrolled into either the Early Retiree Medical option or the Comprehensive option (depending on whether there is a network available in your area or not). If you are age 65 or older or Medicare eligible you will need to enroll in the UnitedHealthcare or Medica Plan option available in your area. See the “Your Health Care Options – Retirees Age 65 or Older or Pre-65 and Medicare Eligible” section in this SPD for more information. Even if you know that the same health care option is available in your new location, the address for submitting claims may not be – so you should report an address change to be sure that your claims are processed appropriately. If you do not change your address, you may receive the outof-network level of benefits (which for some services is no coverage) unless your situation is deemed an emergency. Network Providers If you are enrolled in the Early Retiree Medical or Comprehensive option, you may access eligible providers on the BCBS Web site or by calling their customer service department (see the “Important Resources” section of this SPD). Identification Cards For all options, you can expect to receive new ID cards sent directly to your home address from your new medical Claims Administrator within two to four weeks following your enrollment. You must present the applicable ID card when receiving services, so your claim will be handled promptly. If you do not, you may need to pay for services yourself and file a claim for reimbursement. Additional or replacement cards can be obtained by contacting the applicable Claims Administrator. 109
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