Human Resources
2012 Enrollment and Change Period for State of Iowa Retirees
The enrollment and change period is the time of year when you have an opportunity to elect or change your benefits for 2012.
Click on the link to view 2012 Retiree Enrollment & Change Presentation (42 mins)
Retiree Health and Dental Premiums |
| Before Medicare-Eligibility Premiums |
| Before Medicare-Eligibility health premiums |
| SERIP before Medicare-Eligibility health premiums |
| SLIP health premiums |
| Medicare-Eligibility Premiums |
| Medicare-eligible without SilverScript health premiums |
| Medicare-eligible with SilverScript health premiums |
| Group N Plan health premium |
| SERIP Medicare-eligible with SilverScript health premiums |
| SERIP Medicare-eligible without SilverScript health pemiums |
| Dental Premiums |
| Dental Premiums |
Contacts |
|
| Rachel Orris, DAS Retirement Specialist 1-515-281-6124 rachel.orris@iowa.gov |
SilverScript 1-866-808-7475 http://stateofiowa.silverscript.com |
| Wellmark Customer Service | |
| Blue Access, Blue Advantage 1-800-553-7801 www.wellmark.com |
Deductible 3 Plus, Gold Preferred, Iowa Select, Program 3 Plus 1-800-622-0043 www.wellmark.com |
| Group N Plan 1-800-622-0043 www.wellmark.com |
Delta Dental 1-800-544-0718 www.deltadentalia.com |
| Group MedicareBlueSM Rx | |
| Pre-enrollment Customer Service 1-866-456-2885 1-866-456-1550 (TTY/TDD) http://www.wellmark.com/_soiretiree |
Post-enrollment Customer Service 1-877-838-3827 1-711 (TTY/TDD) http://www.wellmark.com/_soiretiree |
2012 Enrollment and Change Period
The 2012 enrollment and change period is:
 |
October 15, 2011 - December 7, 2011 | (health insurance) |
| October 15, 2011 - November 15, 2011 | (dental Insurance) |
Benefit elections made during the enrollment and change period will be effective January 1, 2012.
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Enrollment and Change Meetings
Nine educational sessions are scheduled to answer your questions about the State-sponsored health insurance plans. Registration is not required.
| Oct. 18, 2011 | 9:00 - 11:00 a.m. | Ames | Iowa State University | Pioneer Room ISU Memorial Union 2229 Lincoln Way |
| Oct. 20, 2011 | 1:00 - 3:00 p.m. | Des Moines | Wallace State Office Building | Auditorium 502 E. 9th St (Parking is available in the free parking ramp on the corner of Grand and Pennsylvania.) |
| Oct. 25, 2011 | 1:00 - 3:00 p.m. | Council Bluffs | Iowa School of the Deaf | Lied Multipurpose Complex 3501 Harry Langdon Rd |
| Oct. 25, 2011 | 7:00 - 9:00 p.m. | Sioux City | Western Iowa Community College | Cargill Room Applied Technology Building 4647 Stone Ave (Park in lot 4, use entrance 14) |
| Nov. 3, 2011 | 7:00 - 9:00 p.m. | Des Moines | Wallace State Office Building | Auditorium 502 E. 9th St (Parking is available in the free parking ramp on the corner of Grand and Pennsylvania.) |
| Nov. 7, 2011 (This meeting will be conducted by the ISU HR staff.) |
9:00 - 11:00 a.m. | Ames | Scheman Building ISU Campus |
1810 Lincoln Way |
| Nov. 8, 2011 | 1:00 - 3:00 p.m. | Waterloo | Hawkeye Community College | Tama Hall, Room 107A 1501 East Orange Rd |
| Nov. 10, 2011 | 11:00 - 1:00 p.m. | Iowa City | University of Iowa | Iowa Memorial Union Bijou Theater 125 N Madison |
| Nov. 10, 2011 | 4:00 - 6:00 p.m. | Bettendorf | Scott Community College | Student Life Center, 2nd Fl Belmont Building 500 Belmont Road |
| Nov. 15, 2011 | 9:00 - 11:00 a.m. | Des Moines | Wallace State Office Building | Auditorium 502 E. 9th St (Parking is available in the free parking ramp on the corner of Grand and Pennsylvania.) |
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Benefit Elections
During the enrollment and change period you can:
Change your health insurance plan
Add eligible family members to your health and/or dental insurance plans
Benefit elections made during the enrollment and change period will be effective January 1, 2012.
If you drop your State of Iowa health and/or dental plans for any reason, you will not be able to rejoin at a later date.
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What's New in 2012?
The following are highlights of the benefit changes that will go into effect in January 1, 2012.
For All State of Iowa Retirees
If you are currently enrolled in dental insurance, you may add eligible family members to your dental coverage.
If you are enrolled in Program 3 Plus or Deductible 3 Plus in 2012, you will receive a new Wellmark ID card. You must use the new card as your ID number will change.
For Medicare-Eligible Retirees
A new Employer Group Retiree Health Insurance Program – Group N Plan – is being offered, with coverage effective January 1, 2012.
General Information
Family Coverage
Dependents eligible for health and dental insurance coverage are:
Your spouse (A husband or wife as the result of a marriage that is legally recognized in Iowa. This does not include a spouse from whom you are legally separated or divorced.)
Your domestic partner
Your dependent children
In the case of your death, if your spouse is on your health or dental plan, he/she may continue health and/or dental coverage. Your surviving spouse will need to contact Rachel Orris. They will need to complete a new insurance application under their own name.
Eligible Dependent Child
An eligible dependent child may be covered for health and dental insurance through the end of the year in which they turn age 26.
A child, under the age of 27, can:
Be a student or a non-student
Live in Iowa or outside of Iowa
Be unmarried or married
A child, over the age of 27, must be unmarried and a full-time student in an accredited institution of postsecondary education; or
An unmarried child who is totally and permanently disabled, physically or mentally, regardless of age. The disability must have existed before the dependent child turned age 27 or while a full-time student.
If you do not enroll an eligible dependent who is currently not on your insurance during the enrollment and change period, you will have to wait until the 2013 enrollment and change period. The only exception to this enrollment opportunity is if there is a qualified life event that allows an eligible dependent to be added to the health and/or dental plans during the year.
If you have a spouse that is going to lose health insurance due to their retirement, or their company no longer offers them coverage, you can add them to your health insurance during the year. Contact Rachel Orris to add an eligible dependent during the year due to an event.
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Health Insurance Before You Are Eligible for Medicare
The 2012 health insurance plans offer you a variety of health benefits, plan designs and out-of-pocket costs that allows you to choose the best health coverage that meets your individual and family needs. You may change your health plan election every year during the enrollment and change period.
You have a choice of one of the following health plan design types.
Managed Care Organization (MCO) plans provide services by a network of doctors and hospitals, with the exception of emergency services.
- Blue Access
- Blue Advantage
Regardless of your location in Iowa, you can enroll in either Blue Access or Blue Advantage. The map indicates the Iowa counties that have sufficient number of participating providers in the Blue Access and Blue Advantage network.
It is your responsibility to ensure that providers you seek services from are part of the managed care network for the Blue Access or Blue Advantage plan in which you are enrolled. Services received from non-participating providers will not be paid by Wellmark. Visit the Wellmark website to check participating providers in your area.
Guest Membership If you are enrolled in either Blue Access or Blue Advantage and you and/or your dependents are out of the service area long-term, you may be eligible for the Guest Membership benefit. Guest Membership is a valuable benefit for: Guest Membership allows you access to Blue Cross and Blue Shield participating hospitals, physicians, and other health care providers from which you can receive covered services. Guest Membership is only available to members traveling or residing outside Iowa, but still within the United States. It’s important to note preventive services are not covered. To set up a guest membership, call the Customer Service number on your ID card before you leave the Blue Access or Blue Advantage network area. |
Preferred Provider Organization (PPO) plans allow you to choose any health care provider but you pay lower coinsurance if your provider is a part of Wellmark's Alliance Select network and providers that participate with other Blue Cross Blue Shield plans (BlueCard).
- Gold Preferred
- Iowa Select
Indemnity plans allow you to choose any health care provider (doctors, hospitals, etc.). These plans provide the most flexible coverage.
- Deductible 3 Plus
- Program 3 Plus
Health Insurance Plans Side-by-Side Comparison
To assist you in making a decision about which health plan best meets your individual and family needs, a side-by-side comparison of the different plans is available for your review.
The chart compares coverage of each plan in areas such as:
| Deductible | The amount you pay each year toward your initial covered expenses before the plan begins to pay. |
| Coinsurance | The percentage of the covered expenses you must pay. |
| Copayment | The amount you must pay at the time a service is rendered. |
| Out-of-Pocket | The maximum amount you would pay for covered expenses in a year. |
2012 Health Insurance Plans Side-by-Side Comparison
Some services require notification or review by Wellmark prior to the services being performed. If you do not follow notification requirements, you may have to pay for services yourself. Check with Wellmark for pre-certification requirements for inpatient hospitalization, rehabilitation, nursing facility and home health services.
Wellmark Contact Information
Contact Wellmark directly if you need additional information about the different health insurance plans.
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Sick Leave Insurance Program (SLIP)
If you retired under the SLIP program from the central payroll system (Non-DOT, Regents or any CBC), you will be receiving a letter from the Department of Administrative Services-State Accounting Enterprise (DAS-SAE) containing your SLIP balance. If you are a SLIP retiree from DOT or a CBC, you receive your SLIP information from your former agency.
Your SLIP money is available to you until you run out of money, or you become eligible for Medicare, whichever is earlier. You will be sent a letter regarding your SLIP account when:
You are 3 months from turning 65
Your spouse is 3 months from turning 65
You are less than 3 months from running out of money in your SLIP account
If you receive Medicare before age 65 due to a disability, your SLIP account will no longer be available to you. Contact Rachel Orris for more information.
Notify Rachel Orris if you make any changes to your insurance while on SLIP. If you are a SLIP retiree from DOT or a CBC, you need to notify your former agency if you make any changes to your insurance.
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State Employee Retirement Incentive Program (SERIP)
If you retired from February 10 – June 24, 2010, under the provisions of the State Employee Retirement Incentive Program (SERIP) program, the State contributes to the cost of a state-sponsored health insurance plan up to five years. This SERIP contribution goes into effect if your SLIP account is not sufficient to pay the State’s share of the premiums for five years or you are not eligible for SLIP due to being Medicare-eligible. The time that your SLIP account is used to pay health insurance premium is counted towards the five years.
As a non-Medicare-eligible State retiree, the State’s contribution toward a state-sponsored health insurance plan is the Blue Access (single or family premium) and you will pay the difference if you elect a higher cost plan. For 2012, the State’s contribution to SERIP will be:
| Blue Access Single Coverage | $471.85 |
| Blue Access Family Coverage | $1,104.11 |
If you make any changes to your insurance this year, you must notify Rachel Orris.
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Health Insurance Premiums Before Medicare-Eligibilty
Health Premiums - Non-Medicare Eligible
Health Premiums - Sick Leave Insurance Program (SLIP)
Health Premiums - State Employee Retirement Incentive Program (SERIP)
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Health Insurance After You Are Eligible for Medicare
You can continue your health coverage with the State of Iowa when you become eligible for Medicare.
Medicare Supplemental Plan
As a Medicare-eligible retiree, you may elect to drop the State of Iowa group coverage and purchase a private Medicare supplement plan. A Medicare supplement plan differs from the State of Iowa group in that the benefits provided vary by supplement option. If you drop your State of Iowa health plan and purchase a Medicare supplemental plan, coverage for your spouse and dependents are also cancelled.
If you are considering an individual Medicare supplemental plan as an option, there are many plans to choose from. For more information about individual Medicare supplement plans, contact the Senior Health Insurance Information Program (SHIIP) at 1-800-351-4664 or at their website http://www.therightcalliowa.gov/.
If you drop your State of Iowa coverage for any reason, you will not be able to rejoin at a later date.
Continue with State of Iowa Plan
As a Medicare-eligible retiree, you can continue with the same health plan you had or select a different health plan during this enrollment and change period. Health benefits offered to Medicare-eligible retirees are the same as the benefit plans offered prior to becoming Medicare-eligible. Medicare will become the primary payer on your claims and the State of Iowa group will pay as secondary. You need to have Medicare Part A and B for your claims to be paid correctly by Wellmark and to avoid a penalty from Medicare.
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SERIP after Medicare-Eligibility
If you retired under the provisions of the State Employee Retirement Incentive Program (SERIP) program, the State contributes to the cost of a state-sponsored health insurance plan up to five years. You can continue to participate in SERIP even when you become Medicare-eligible (in most cases, age 65) as long as you have not received a total of five years of state contributions toward health insurance.
When you or any enrolled family member is Medicare-eligible, the State’s contribution to your health insurance is the Blue Access with SilverScript premiums and you will pay the difference if the Medicare-eligible person does not enroll in SilverScript.
If you do enroll in SilverScript, you will pay the SilverScript premium of $68.00 per Medicare-eligible person.
For 2012, the State’s contribution to SERIP when anyone on the insurance is eligible for Medicare will be:
| Blue Access Single Coverage | $251.10 |
| Blue Access Family Coverage | $661.15 |
Note: If you are covered under the SERIP provisions and are Medicare-eligible, you are financially responsible for:
The Medicare Part B premium
The SilverScript premium, if elected
Part of the Wellmark premium if SilverScript is not elected
Part of the Wellmark premium if higher cost plan than Blue Access is selected
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Medicare-Eligible Health Insurance Premiums
Retiree – Medicare-EligibleRetiree – State Employee Retirement Incentive Program (SERIP)
Making Changes in Your Health Insurance during the 2012 Enrollment & Change Period
To make a change in your health (except for enrolling in the Group N Plan), you must complete a new health application. You can obtain the appropriate health form from:
This website
DAS-HRE by contacting Rachel Orris at 1-515-281-6124 or rachel.orris@iowa.gov.
Wellmark
Your former department's Personnel Assistant
Complete the application(s), write “Retired/Disabled Group” or “SLIP” or “SERIP” (if applicable) on the top of your application(s), and mail the application(s) on or before December 7, 2011 (health insurance) or November 15, 2011 (dental insurance) to:
Department of Administrative Services
Human Resources Enterprise
ATTN: Rachel Orris
Hoover Building, Level A
1305 E. Walnut Street
Des Moines, IA 50319-0150
Changes will be effective January 1, 2012.
Don't wait until the end of the enrollment and change period to submit your changes. Waiting until the end of the enrollment and change period may delay your receiving an ID card and having the ability of receiving medical services or getting prescriptions filled.
No action is required if you do not want to change your health insurance election. |
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GROUP N PLAN
All State of Iowa Medicare-eligible retirees will have a new health insurance and drug coverage option for January 2012; except current SLIP or SERIP retirees or spouses or retirees who are receiving health insurance contributions from their former agency. However, retirees who were SPOC supervisors and are utilizing the SPOC Sick Leave Trust Fund are eligible for this coverage. This plan is only available to retirees who are eligible for Medicare and their spouses and/or dependents who are eligible for Medicare.
Eligibility
You are eligible to enroll in the Group N Plan and the Group MedicareBlueSM Rx Plan if you are a Medicare-eligible State of Iowa retiree, or a Medicare-eligible surviving spouse of a retiree. If you currently have family coverage and you enroll in the Group N Plan, your dependents must also enroll in the Group N Plan. If your dependents are not eligible for Medicare, they cannot enroll in the Group N plan, so instead, they would be dropped from your coverage. They are not allowed to stay on the traditional State of Iowa insurance plans (Program 3 Plus, Blue Access, etc.) if you move to the Group N Plan. If your spouse or dependent is eligible for Medicare, but you are not, they cannot enroll in the Group N Plan until you, the retiree, are also eligible for Medicare and enroll in the Group N Plan.
Group N Plan Supplements Your Medicare Coverage
Group N Plan is a State of Iowa sponsored group health insurance plan offered by Wellmark Blue Cross Blue Shield. The plan design of the Group N Plan is similar to the Medicare Supplement Plan N that you can purchase individually.
The link below is a summary of this new Group N Plan. This summary indicates what Medicare, Wellmark, and you pay. Group N Plan provides extensive coverage in supplementing your Medicare coverage. You have national coverage with any healthcare provider that accepts Medicare. The plan covers the Medicare Part A expenses not covered by Medicare. After meeting the Medicare Part B annual deductible of $162, you pay up to $20 per office visit and $50 per emergency room visit (waived if admitted and if covered under Medicare Part A).
Benefits of Enrolling in the Group N Plan
Lower monthly premiums than the traditional State of Iowa plans.
Plan design benefits that are more in line with the benefits and services that Medicare covers.
No network restrictions, you can see any provider who accepts Medicare.
Ability to move back to the traditional State of Iowa plans (Program 3 Plus, Blue Access, etc.) during the next Enrollment and Change period.
Enroll midyear if you need to wait for everyone on your plan to become eligible for Medicare.
Includes a foreign travel benefit.
Advantages of the Group N Plan over an Individual Medicare Supplement Plan
No age or gender-related premiums
Remain in the State of Iowa’s group health insurance and may move between the different health plans
No preexisting conditions
2012 Premium for Group N Plan
| Group N Plan | $159.54 |
| Group MedicareBlueSM Rx plan | $95.69 |
| Total Monthly Premium | $255.23 |
Enrollment in Group N Plan
To enroll in Group N Plan, you must complete paper applications for both you and your Medicare-eligible dependent. You can obtain the application from:
This website
DAS-HRE by contacting Rachel Orris at 1-515-281-6124 or rachel.orris@iowa.gov.
Wellmark at 1-800-622-0043
Complete the application and mail the application on or before December 7, 2011 to:
Department of Administrative Services
Human Resources Enterprise
ATTN: Rachel Orris
Hoover Building, Level A
1305 E. Walnut Street
Des Moines, IA 50319-0150
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You must also submit a MedicareBlueSM Rx Plan application in addition to the Group N Plan application. |
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Medicare Prescription D Drug Coverage
The State of Iowa has determined that your prescription drug coverage with the State of Iowa is as good as or better coverage than standard Medicare prescription drug coverage (Part D). This means that your coverage is considered “creditable coverage” and you will not pay a penalty if you later decide to enroll in a Medicare Part D plan. Please see the Notice of Creditable Coverage for more information.
Depending upon what State of Iowa health plan you have, you may be eligible for a Medicare Part D Prescription Drug Plan.
| Health Plan | Medicare Plan D Option
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| Blue Access | SilverScript |
| Blue Advantage | SilverScript |
| Deductible 3 Plus | No Medicare Part D plan available |
| Gold Preferred | SilverScript |
| Iowa Select | SilverScript |
| Program 3 Plus | SilverScript |
| Group N Plan | Group MedicareBlueSM Rx |
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SilverScript
If you are a Medicare-eligible retiree and enrolled in:
Blue Access
Blue Advantage
Gold Preferred
Iowa Select
Program 3 Plus
You have the option of coordinating pharmacy benefits with a Medicare Part D plan called SilverScript. This coordination between Wellmark and SilverScript will result in a monthly premium savings to you.
When you add SilverScript to your State of Iowa retiree insurance, you continue to have the Wellmark insurance as your secondary insurance to Medicare for your hospital and medical services. With SilverScript, Wellmark becomes secondary for your prescriptions as well.
SilverScript is available to anyone who has Medicare; this includes your spouse or dependents, even if you do not yet have Medicare.
If you elect to coordinate benefits with SilverScript, there will be no change to your pharmacy benefits with your Wellmark insurance.
SilverScript Premium
The 2012 SilverScript monthly premium is $68.00 per Medicare-eligible participant.
Benefit of Enrolling in SilverScript
The benefit of enrolling in SilverScript is that you save money on your monthly Wellmark premium. When you have SilverScript, Wellmark and SilverScript pay together for the actual cost of the prescription. This saves the plan money, and we transfer the savings to you.
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Medicare-Eligible Health Insurance Premiums with Enrollment in SilverScript
Retiree – Medicare-Eligible with SilverScript
Retiree – Medicare-Eligible SERIP with SilverScript
The savings in the Wellmark premium is significant. You can save anywhere from $197.34 to $650.56 per month in Wellmark premiums (depending upon health plan and coverage level.)
How SilverScript Works
When you enroll in SilverScript, you will receive an ID card from SilverScript and you will use this ID card in addition to the new Wellmark ID card you will receive. You must show both the SilverScript and your Wellmark card at the pharmacy for claims to be filed correctly.
Your SilverScript ID card should say: RxGRP: Rx9137, it if says Rx9110, you are not enrolled in our group, and Wellmark will not get notified. Contact SilverScript if your card shows Rx9110 to have it switched to Rx9137.
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Tell your pharmacist to file the prescription under the SilverScript card as primary, and the Wellmark card as secondary. If you are not charged your usual copay amount for your Wellmark plan, your pharmacist may not have filed the prescription correctly. |
Enrollment in SilverScript
To enroll in SilverScript, call 1-866-808-7475 between October 15 and December 7, 2011. SilverScript enrolls you right over the phone; have your Wellmark and Medicare cards handy. Tell them you are with the State of Iowa employer group number 9137. SilverScript will be effective January 1, 2012.
When you enroll, SilverScript will notify Wellmark of your enrollment. It is important to enroll as soon as possible to make sure that Wellmark receives your enrollment information timely. If Wellmark receives your SilverScript enrollment information after they have started their January billing cycle, you will be billed the higher amount. Wellmark will credit you if you overpay the January premium.
SilverScript will bill you by mail. The back of the bill has information on how to set up an automatic withdrawal.
SilverScript will send you letters; the information regarding plan design can be disregarded as it does not accurately show the coordinated benefits with Wellmark. You continue to have the State of Iowa Wellmark plan benefits.
If you are already enrolled in SilverScript, you do not need to do anything to continue it for 2012.
If you want to cancel your SilverScript coverage, you need to call them between October 15 and December 7, 2011. Your coverage would be cancelled December 31, 2011. (You do not have to call and cancel if you are enrolling in the Group N Plan with Group MedicareBlueSM Rx coverage.)
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Group MedicareBlueSM Rx
Coupled with the Group N Plan is a Group MedicareBlueSMRx plan. Since Group MedicareBlueSM Rx is a Medicare Plan D, you are not eligible to enroll in SilverScript because you cannot be enrolled in two Medicare Plan D plans at the same time.
The Employer Group N Plan and the Group MedicareBlueSM Rx plan is a health insurance package. You cannot elect to just take the Group N Plan or the Group MedicareBlueSM Rx plan.
Information on Group MedicareBlueSM is available at http://www.wellmark.com/_soiretiree.
Enrollment in Group MedicareBlueSM Rx
To enroll in Group MedicareBlueSM Rx, you must complete a paper application for you and your eligible dependent. You can obtain the application from:
The State of Iowa Retiree Group MedicareBlue Rx Enrollment Materials website
DAS-HRE by contacting Rachel Orris at 1-515-281-6124 or rachel.orris@iowa.gov
Wellamrk at 1-800-622-0043
Complete the application and mail the application on or before December 7, 2011 to:
Department of Administrative Services
Human Resources Enterprise
ATTN: Rachel Orris
Hoover Building, Level A
1305 E. Walnut Street
Des Moines, IA 50319-0150
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Remember: You must also submit a Group N application in addition to the Group Medicare Rx application. |
Extra help You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for extra help, call: Medicare Social Security Administration Your State Medicaid Office |
Group MedicareBlueSM Rx is a Medicare approved Part D sponsor. Group MedicareBlueSM Rx coverage is available to members of an employer or union group and separately issued by one of the following plans: Wellmark Blue Cross and Blue Shield of Iowa*; Blue Cross and Blue Shield of Minnesota*; Blue Cross and Blue Shield of Montana*; Blue Cross and Blue Shield of Nebraska*; Blue Cross Blue Shield of North Dakota*; Wellmark Blue Cross and Blue Shield of South Dakota*; and Blue Cross Blue Shield of Wyoming*. The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Benefits, formulary, pharmacy network, premium and/or copayments/coinsurance may change on January 1, 2013. You are eligible to enroll in Group MedicareBlue Rx if you are entitled to Medicare benefits under Part A and/or enrolled in Medicare Part B. You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party. You may enroll in only one Part D plan at a time. If you enroll in Group MedicareBlueSM Rx, you must receive your Medicare prescription drug coverage through this plan. If you are currently enrolled in a Medicare Advantage HMO or PPO or a Medicare Advantage Private Fee-For-Service plan that includes Medicare prescription drug coverage, you may not join MedicareBlueSM Rx unless you disenroll from your current plan. If you are currently enrolled in a Private-Fee-For-Service, Medicare Advantage Medicare Savings Account (MSA), or 1876 Cost Plan that does not include prescription drug coverage, you may join Group MedicareBlueSM Rx. Group MedicareBlueSM Rx has formed a network of pharmacy providers. You can use any provider who is part of our network or you may go to pharmacies outside of the network. However, you may have to pay more for services received out of the network, except in emergency/non-routine situations. The providers in our network may change at any time. Members may enroll in the plan only during specific times of the year. Contact Wellmark Blue Cross and Blue Shield for more information. |
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Putting Medicare-Eligible Health Insurance Cost Together
The following table demonstrates the savings in your cost of health insurance coverage by
Enrolling in SilverScript or
Enrolling the Group N Plan with Group MedicareBlueSM Rx
Premium Comparison |
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Program 3 Plus Single without SilverScript |
Program 3 Plus Single with SilverScript |
Group N Plan + MedicareBlueSM (PDP) |
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| Medicare Part A | $0.00 |
$0.00 |
$0.00 |
| Medicare Part B | $115.40 |
$115.40 |
$115.40 |
| Medicare Part D | $0.00 |
$68.00 |
$95.69 |
| Health Plan Premium | $855.55 |
$401.64 |
$159.54 |
| Total | $855.55 |
$585.04 |
$370.63 |
| Savings compared to Program 3 Plus without SilverScript | -- |
$385.91 |
$600.32 |
The above comparison indicates that there are savings by enrolling in SilverScript. Even more important is the tremendous savings by enrolling in Group N Plan.
Notice Required by Federal Law - Early Retiree Reinsurance ProgramYou are a plan participant, or are being offered the opportunity to enroll as a plan participant, in the State’s health plan which is certified for participation in the Early Retiree Reinsurance Program. The Early Retiree Reinsurance Program is a Federal program that was established under the Affordable Care Act. Under the Early Retiree Reinsurance Program, the Federal government reimburses the State’s health plan for some of the costs of health care benefits paid on behalf of early retirees and certain family members of early retirees participating in the State’s health plan. By law, the program expires on January 1, 2014. Under the Early Retiree Reinsurance Program, the State may use the Early retiree Reinsurance Program reimbursements to reduce or offset increases in its own costs for maintaining your health benefits coverage, which may increase the likelihood that it will continue to offer health benefits coverage to its retirees and employees and their families. If you have received this notice, you are responsible for providing a copy of this notice to your family members who are participants in this plan. |
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Dental Insurance
There are no benefit changes to the dental plan for 2012.
Open Dental Enrollment
The 2012 enrollment and change period is an open dental enrollment period. If you are currently enrolled in the State of Iowa dental plan, you can add a dependents to coverage. Changes are effective January 1, 2012.
Delta Dental Contact Information
Contact Delta Dental directly if you need additional information about the dental insurance plan.
2012 Dental Insurance Monthly Premiums
Single |
Family |
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| Delta Dental | $27.83 |
$74.83 |
Making Changes in Your Dental Insurance during the 2012 Enrollment & Change Period
To make a change in your dental insurance, you must complete a new dental application. You can obtain the appropriate dental application form from:
This website
DAS-HRE by contacting Rachel Orris at 1-515-281-6124 or rachel.orris@iowa.gov.
Delta Dental
Your former department's Personnel Assistant
Complete the application, write “Retired/Disabled Group” on the top of your application, and mail the application on or before November 15, 2011 to:
Department of Administrative Services
Human Resources Enterprise
ATTN: Rachel Orris
Hoover Building, Level A
1305 E. Walnut Street
Des Moines, IA 50319-0150
Changes will be effective January 1, 2012.
No action is required if you do not want to change your dental insurance election. |
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For More Information
Contact Rachel Orris, DAS-HRE Retirement Specialist at 1-515-281-6124 or rachel.orris@iowa.gov if you have any questions.
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10/19/2011