Your Medicare Advantage Enrollment Booklet

1 Your Medicare Advantage Enrollment Booklet Anthem Medicare Preferred (PPO) with Senior Rx Plus Group Plan 01/01/2020 - 12/31/2020. Teachers' Retirement Fund (TRF). Here is what's inside How Medicare 2. Frequently asked 3. How Anthem Medicare Preferred (PPO). with Senior Rx Plus 4. Summary of 6. Your 2020 Prescription Drug Benefits Extra benefits and services Information and care when you need it Preventive health and wellness Stay well and save money with SpecialOffers Appendix: Required information for Plan Star Enrollment election Y0114_20_110679_I_M_ISTRF 07/17/2019 503140 INSENABS_ISTRF. 5064903 503140 INSENABS 2020 GRS Enrollment Booklet Guts - ISTRF. How Medicare works Medicare is a federal government health insurance program offered to people 65 years of age or older, people under age 65 with certain disabilities and anyone with end-stage renal disease (ESRD). The ABCDs of Medicare You may have heard about the different parts of Medicare . Here's a quick look at what they mean to your medical coverage: Medicare Parts A + B = Original Medicare , the government program.

2 Medicare Part C = Original Medicare + additional benefits. Part C is also called Medicare Advantage (MA). Medicare Part D = the prescription drug benefit. Your plan includes Part D, so your plan name includes MA + Part D, or MAPD. Part C = Medicare Advantage = private insurance Medicare Part Medicare Part Medicare Part Medicare Part A B C D. Inpatient care in Doctor services and Additional benefits Prescription drug hospitals, skilled outpatient care nursing facilities (SNFs) and hospice Original Medicare = government program Medicare Advantage + Part D = MAPD plan Learn more about Medicare Download the Booklet Medicare & You at Or you can order a printed copy by calling 1-800- Medicare (1-800-633-4227), 24 hours a day, 7 days a week. TTY users, call 1 877 486-2048. 2. Frequently asked questions pp What is a deductible? pp How is inpatient care different from When applicable, a deductible is the amount outpatient care? of money you pay for health care services Inpatient care is medical treatment that is before your plan starts paying.

3 After you reach provided when you have been formally admitted your deductible, you'll still have to pay toward to the hospital or other facility with a doctor's your cost share for services. Some plans have order. If you are not admitted with a doctor's no deductible and will cover your health care order, you may be considered to be receiving services from the start. Some services will outpatient care, even if you stay in the hospital be covered by your plan before you reach the overnight. deductible. Outpatient care is any health care services pp What is a copay? provided to a patient who is not admitted to When applicable, a copay is a fixed dollar a facility. Outpatient care may be provided in amount that you pay for covered services. a doctor's office, clinic or hospital outpatient A copay is often charged to you after your department. appointment. pp What is a primary care provider (PCP)? pp What is coinsurance? A primary care provider (PCP) is a general Coinsurance is the percentage of a covered practice doctor who treats basic medical health care cost that you would pay after you conditions.

4 Primary care doctors do physicals meet your deductible, while the plan pays the or checkups and give vaccinations. They can rest of the covered cost. If you have not yet help diagnose health problems and either met your deductible, you pay the full allowed provide care or refer patients to specialists if amount. the condition requires. They are often the first pp What is an annual out-of-pocket maximum doctor most patients see when they have a (or Max OOP)? health concern. Another feature of Medicare Advantage is the pp What are preventive services? Max OOP. It is the maximum total amount you Preventive care and services help you avoid may pay every plan year for your covered health an illness or injury. Common examples of care costs, including copays, coinsurance and preventive care are immunizations and annual deductibles. Once you reach the Max OOP, you physicals. Any screening test done in order to pay nothing for your covered health care costs catch a disease early is considered a preventive until the start of the next plan year.

5 Service. Advice or counseling, such as nutrition Not all of your medical costs add to the annual and exercise guidance, are also examples of out-of-pocket maximum. For more details and preventive care and services. what services are covered by this plan, please call the First Impressions Welcome Team at 1-833-848-8729, TTY: 711, Monday through Friday, 8 to 9 ET, except holidays. 3. How Anthem Medicare Preferred (PPO). with Senior Rx Plus works Harry broke his leg and was admitted to his local hospital for two days for treatment. The monthly premium for the Anthem Medicare Preferred (PPO) with Senior Rx Plus plan is $62. Based on this monthly premium, examples of amounts Harry paid for services during his treatment are shown below. The person, situation and dollar amounts noted below are high level examples and are not real. Your actual experience may vary. The examples are only used to show how the plan works. Anthem Medicare Preferred (PPO) with Senior Rx Plus Hospital charge Doctor charge $4, $2, Anthem Medicare Harry pays: Anthem Medicare Harry pays: PPO pays: PPO pays: $3, $ $2, $ Original Medicare Hospital charge Doctor charge $4, $2, Medicare pays: Harry pays: Medicare pays: Harry pays: ( Medicare (Includes $185*.))

6 Deductible and deductible and coinsurance) 20% of all other charges). $2, $1, * $1, $ * Based on 2019 Original Medicare deductible amounts. 4. Anthem's Medicare Advantage with Part D. (prescription drug) coverage, is designed to cover a wide range of services not covered or with limited coverage under Original Medicare , so you have less out-of-pocket expenses to worry about. Prescription drug charge Total Harry $ pays: Anthem Medicare Harry pays: PPO pays: $ $ $ Prescription drug charge Total Harry $ pays: Medicare pays: Harry pays: $ $ $1, Y0114_20_111347_I_M_ISTRF 08/02/2019 502505 INSENABS_ISTRF. 5. Summary of benefits PLAN NAME: Anthem Medicare Preferred (PPO) with Senior Rx Plus PLAN YEAR: January 1, 2020 December 31, 2020. Please note, you must be enrolled in both Medicare Parts A and B to enroll in the Anthem Medicare Preferred (PPO) with Senior Rx Plus plan. What you must pay for these Covered Services Covered Services Monthly Premium $62. Deductibles $0. $6,000 combined in or out of network.

7 All copays, coinsurance and deductibles listed in this benefits chart are accrued toward the Out-of-Pocket Maximum medical plan out-of-pocket maximum with the exception of the routine hearing services, foreign travel emergency and urgently needed care copay or coinsurance amounts. $275 copay per day, days 1-7, per admission. Inpatient Hospital Coverage Non-Mental* $0 copay For Medicare -covered hospital stays. for Medicare -covered physician services received while an inpatient. No limit to the number of days covered. 6. What you must pay for these Covered Services Covered Services Non-surgical: $10 copay for a visit to an in-network primary care physician in an outpatient hospital setting/clinic for Medicare -covered non-surgical services $40 copay for a visit to an in-network specialist in an outpatient hospital setting/clinic for Medicare -covered non-surgical services $225 copay for each Medicare -covered outpatient observation room visit Outpatient Hospital Coverage*. Surgical: $225 copay for a visit to an in network primary care physician in an outpatient hospital setting/clinic for Medicare -covered non-surgical services $40 copay for a visit to an in-network specialist in an outpatient hospital setting/clinic for Medicare -covered non-surgical services $225 copay for each Medicare -covered outpatient observation room visit $10 copay for a visit to an in- or out-of-network primary care physician.

8 Doctor Visits (Primary Care and Specialists)* No referral is needed. $40 copay for a visit to an in- or out-of-network specialist. No referral is needed. Preventive Care For abdominal aortic aneurysm screening, bone mass measurement, colorectal cancer screening/services, HIV. screening, sexually transmitted disease (STI) screening, breast cancer screening, cervical/vaginal cancer screening, prostate cancer screening, cardiovascular disease risk There is no coinsurance, copayment or reduction visit, cardiovascular disease testing, "Welcome to deductible for Medicare -covered visits, tests, Medicare " preventive visit, annual wellness visit, depression therapy or benefits, in or out of network. screening, diabetes screening, Medicare Diabetes Prevention Program (MDPP), obesity screening/therapy to promote sustained weight loss, screening/counseling to reduce alcohol misuse, lung cancer screening with low dose computed tomography (LDCT), medical nutrition therapy, smoking/tobacco cessation.

9 Emergency Care $90 copay for each Medicare -covered emergency room visit Services that are: worldwide in or out of network. Furnished by a provider qualified to furnish Services received outside of the United States emergency services, and are limited to what is allowed under the Medicare Needed to evaluate or stabilize an emergency fee schedule for the services performed/received medical condition. in the United States. 7. What you must pay for these Covered Services Covered Services $35 copay Urgently Needed Services for each Medicare -covered urgently neededcare visit worldwide in or out of network. Diagnostic Services/Labs/Imaging Outpatient diagnostic tests and therapeutic services and supplies*. $40 copay Covered services include, but are not limited to: for each Medicare -covered X-ray visit and/or X-rays simple diagnostic test. Complex diagnostic tests and radiology services $125 copay Radiation (radium and isotope) therapy, including for Medicare -covered complex diagnostic test technician materials and supplies and/or radiology visit.

10 Testing to confirm chronic obstructive pulmonary 20% coinsurance disease (COPD) for each Medicare -covered radiation therapy treatment. Surgical supplies, such as dressings $0 copay Splints, casts and other devices used to reduce for Medicare -covered testing to confirm chronic fractures and dislocations obstructive pulmonary disease. Laboratory tests 20% coinsurance Blood - including storage and administration. for Medicare -covered supplies. Coverage of whole blood, packed red cells and $0 copay all other components of blood begins with the first for each Medicare -covered clinical/diagnostic lab pint test. Other outpatient diagnostic tests $0 copay Certain diagnostic tests and radiology services are per Medicare -covered pint of blood. considered complex and include heart catheterizations, sleep studies, computed tomography (CT), magnetic resonance procedures (MRIs and MRAs), and PET scans. Outpatient: $40 copay for each Medicare -covered individual/group therapy visit, professional partial hospitalization visit, outpatient hospital facility individual/group therapy visit.