OPEN ENROLLMENT EDITION A publication of the Arizona State Retirement System - Arizona State ...
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OPEN ENROLLMENT EDITION ● A publication of the Arizona State Retirement System
Director’s Message: representatives from our medical
and dental insurance carriers. In
• Medical insurance plans from
UnitedHealthcare, including
A Look at Open addition, we will have on-demand new lower rates for Medicare
Enrollment for educational videos available for your
review anytime along with much
plans and new choices for non-
Medicare coverage.
Plan Year 2021 more information on our website at
• Continuation of lowered medical
AzASRS.gov.
by Paul Matson, ASRS Director premiums due to application
You are eligible to participate in of funds accumulated from
Dear Retirees:
the ASRS medical and/or dental the ASRS’ Retrospective
This newsletter and the enclosed 2021 insurance plans if you retired from Rate Agreement with
retiree Health Insurance Enrollment the Arizona State Retirement System UnitedHealthcare.
Guide have been designed to (ASRS), Public Safety Personnel
Retirement System (PSPRS), Elected This is a passive open enrollment,
provide you with an overview of our
health insurance plan offerings and Officials’ Retirement Plan (EORP), which means that if you are pleased
additional benefits afforded to you as Corrections Officer Retirement Plan with your current coverages and do
(CORP), or the University Optional not wish to make any changes, then
an ASRS retiree.
Retirement Plans (UORP). no action is required on your part.
I especially encourage you to review You will automatically be enrolled
this newsletter and the enclosed Open enrollment will take place in your existing plans or in the
materials as health care and the during the entire month of closest aligned plan offered for
options you have are such important November. New coverages begin 2021. This would include moving
decisions in these unprecedented January 1, 2021. from SunLife Financial, our current
times. dental insurance provider, to one of
Explained in detail in the Open our new providers, Cigna Dental or
To assist you in your decision Enrollment Guide are: Delta Dental of Arizona.
making, we will be holding a
• New dental plan options, If you are not currently enrolled in
number of interactive webinars and
including plans from Cigna an ASRS plan, wish to change the
teleconferences beginning October
Dental and Delta Dental
29. They will feature ASRS staff and
of Arizona. Continued on page 3
2020 Open Enrollment
Benefits Overview Enrollment Period:
Sunday, Nov 1 -
Monday, Nov 30, 2020
Dental Coverage: New Carriers for 2021
B eginning in 2021, we are
offering plans from two new
carriers: Cigna Dental and Delta
dental plan that the ASRS believes
most closely aligns with your existing
plan in order to avoid any lapse in
enrollment period. The default plan
migration is shown below. For more
information about the new plans, see
Dental of Arizona. These new plans coverage for 2021. Or, you may select “Dental Plans Comparison” on
include enhanced benefits at lower a different plan during the open page 25 of your Enrollment Guide.
monthly premiums.
If you are enrolled in How 2020 dental plans will migrate to 2021 offerings:
a dental plan through
the end of 2020, and 2020 Plan New 2021 Plan
take no action during
SunLife Freedom Advance (High Option) Delta Dental High Plan Option
the open enrollment
period, you will SunLife Freedom Basic (Low Option) Delta Dental Low Plan Option
automatically be SunLife DHMO 220, Heritage Secure & Prepaid Cigna DHMO
enrolled in a new
Non-Medicare: UnitedHealthcare Group Plans
f you are satisfied with your current ASRS coverage and do not wish to make any changes, no action is
I necessary. Your present coverage will simply roll over to the new plan year, which begins January 1, 2021.
For 2021, we we will continue to offer both Choice Premier and Choice Value plans, with premiums increasing in
2021. We are also introducing a new lower-premium plan option, Choice Economy, for in-state retirees.
Medicare: UnitedHealthcare Group Advantage Plans
f you are satisfied with your current ASRS coverage and do not wish to make any changes, no action is
I necessary. Your present coverage will simply roll over to the new plan year, which begins January 1, 2021.
For 2021, we will continue to offer both the Group Medicare Advantage HMO and Group Medicare Advantage
PPO plans from UnitedHealthcare. The premiums have decreased and additional programs and services have been
added including an online weight loss program and home-delivered meals immediately after an inpatient hospital
or skilled nursing stay.
For 2021, Centers for Medicare and Medicaid Services (CMS) has modified prescription drug coverage thresholds
and stage limits. Please review the Open Enrollment Guide for your plan’s relevant prescription drug features.
2 Give us your feedback! Email us at DigitalCommunications@AzASRS.govHow to Access this Year's Open Director's Message,
Enrollment Meetings Continued
plan you are in, or would rather
S ome of our most popular and
anticipated meetings each year
are our open enrollment meetings.
reminders about your meeting in the
days and hours leading up to it.
not be moved to the closest aligned
plan where plans have changed,
then you must complete the open
In conjunction with the Health 2. On-Demand enrollment process via the ASRS
Insurance Enrollment Guide, these
Videos online health insurance application
meetings offer an opportunity for available through your secure
retirees to learn about the health myASRS account or submit a paper
The second meeting option is to view
insurance offerings for the upcoming enrollment form if that is your
pre-recorded, on-demand educational
plan year. 2020 has been a historic preference. The online application
videos. These videos will be available
year and the ASRS has adapted to the allows you to view your current
24/7 at AzASRS.gov for you to view
changes this pandemic has presented ASRS medical and dental elections,
at your convenience. They are self- enroll in a new plan, make changes
by hosting meetings in the safest and
paced with segmented navigation to to your plans, and add or remove
most convenient way possible.
allow you to watch, and re-watch, any dependents.
This year during the enrollment parts you desire.
timeframe of November 1 through I encourage you to learn more
November 30, you will have three 3. Teleconferences by visiting AzASRS.gov. Simply
different virtual options to learn select the Retirees tab and click
Healthcare. There you will find
about the 2021 open enrollment: Finally, the third option is an
resources and links to videos
audio-only teleconference.
explaining your plan options.
1. Interactive There will be three of these to
Webinars choose from, in which you can ask We recognize you may have
general questions at the end of the additional choices for your medical
The first option presentation via an operator. This is and dental insurance needs and we
is live online webinars. There will an especially beneficial option for encourage you to explore all your
be eleven days of webinars with retirees lacking availability to or options, such as programs offered
various presentation times, with comfort with the internet, as it allows through a current employer, a
different meetings for Medicare, non- for audio-only communication. former employer, a spouse’s plan or
Medicare, and dental that go over our the public market.
Your health is important to us. We
plan offerings in detail. During these Be sure to review the Health
are excited to share the 2021 updates
webinars, you will be able to ask Insurance Enrollment Guide which
and changes with you as we strive to
questions via a chat box. Registration contains contact information for the
bring you excellent health insurance
will not be required, but it is various ASRS plan providers.
offerings at competitive prices with
encouraged so you can get helpful
flexible options. | Please stay safe and know that we
are here to assist should you have
A schedule with the dates and times of interactive questions.
webinars and teleconferences is available in this Paul Matson
newsletter on pages four and five. Director
Arizona State Retirement System
Visit AzASRS.gov and log into your secure myASRS account to view & update your account information 3NON-MEDICARE
Due to safety concerns for our
retirees and staff, there are
no in-person meetings this
year. We will have a variety of
Meeting Schedule interactive webinars, videos, and
phone conferences available
throughout November.
On-Demand Videos
Videos will be available 24/7 at AzASRS.gov for you to view at your convenience. They are self-paced
with segmented navigation to allow you to watch, and re-watch, any part you desire. All aspects of open
enrollment are covered, including medical and dental plan options.
Interactive Webinars
Visit the open enrollment section of AzASRS.gov to access our open enrollment webinars. These live
video presentations will be available on select dates and times throughout November. You will be able
to ask questions in a chat box and get them answered in real-time. Registration via your secure myASRS
account is highly encouraged so that you can get helpful reminders about your meeting in the days and
hours leading up to it.
Thursday, Oct 29, 2020* Friday, Nov 6, 2020 Wednesday, Nov 18, 2020
11 AM - Dental 11 AM - Dental 9 AM - Dental
2 PM - Non-Medicare 2 PM - Non-Medicare 2 PM - Non-Medicare
* Note: This meeting is prior Monday, Nov 9, 2020 Thursday, Nov 19, 2020
to open enrollment, which 9 AM - Non-Medicare 9 AM - Dental
starts Nov 1
2 PM - Dental 2 PM - Non-Medicare
Monday, Nov 2, 2020 Tuesday, Nov 10, 2020 Monday, Nov 23, 2020
11 AM - Dental
9 AM - Non-Medicare 11 AM - Dental
2 PM - Non-Medicare
2 PM - Dental 2 PM - Non-Medicare
Wednesday, Nov 4, 2020 Monday, Nov 16, 2020 Monday, Nov 30, 2020
11 AM - Dental
9 AM - Dental 11 AM - Dental
2 PM - Non-Medicare
2 PM - Non-Medicare 2 PM - Non-Medicare
Teleconferences
Audio-only teleconferences in which you can ask general questions at the end of the presentation via an
operator. This may be a good option for retirees without an internet connection.
Thursday, Nov 5, 2020 Thursday, Nov 12, 2020 Tuesday, Nov 17, 2020
1 PM - Non-Medicare & Dental 9 AM - Non-Medicare & Dental 1 PM - Non-Medicare & Dental
Toll Free Dial-In: 844-291-6360 Toll Free Dial-In: 844-291-6360 Toll Free Dial-In: 844-291-6360
Access Code: 8379964 Access Code: 8379964 Access Code: 8379964
Coming Soon: 24/7 Education from UnitedHealthcare
Explore your non-Medicare plan benefits virtually with the Virtual Education Center from
UnitedHealthcare. Available November 1 at UHCvirtualretiree.com/ASRSpre65
4 Like us on Facebook, Twitter and LinkedIn!MEDICARE
Due to safety concerns for our
retirees and staff, there are
no in-person meetings this
year. We will have a variety of
Meeting Schedule interactive webinars, videos, and
phone conferences available
throughout November.
On-Demand Videos
Videos will be available 24/7 at AzASRS.gov for you to view at your convenience. They are self-paced
with segmented navigation to allow you to watch, and re-watch, any part you desire. All aspects of open
enrollment are covered, including medical and dental plan options.
Interactive Webinars
Visit the open enrollment section of AzASRS.gov to access our open enrollment webinars. These live
video presentations will be available on select dates and times throughout November. You will be able
to ask questions in a chat box and get them answered in real-time. Registration via your secure myASRS
account is highly encouraged so that you can get helpful reminders about your meeting in the days and
hours leading up to it.
Thursday, Oct 29, 2020* Friday, Nov 6, 2020 Wednesday, Nov 18, 2020
9 AM - Medicare 9 AM - Medicare 9 AM - Dental
11 AM - Dental 11 AM - Dental 11 AM - Medicare
* Note: This meeting is prior Monday, Nov 9, 2020 Thursday, Nov 19, 2020
to open enrollment, which 11 AM - Medicare 9 AM - Dental
starts Nov 1
2 PM - Dental 11 AM - Medicare
Monday, Nov 2, 2020 Tuesday, Nov 10, 2020 Monday, Nov 23, 2020
9 AM - Medicare
11 AM - Medicare 9 AM - Medicare
11 AM - Dental
2 PM - Dental 11 AM - Dental
Wednesday, Nov 4, 2020 Monday, Nov 16, 2020 Monday, Nov 30, 2020
9 AM - Medicare
9 AM - Dental 9 AM - Medicare
11 AM - Dental
11 AM - Medicare 11 AM - Dental
Teleconferences
Audio-only teleconferences in which you can ask general questions at the end of the presentation via an
operator. This may be a good option for retirees without an internet connection.
Thursday, Nov 5, 2020 Thursday, Nov 12, 2020 Tuesday, Nov 17, 2020
9 AM - Medicare & Dental 1 PM - Medicare & Dental 9 AM - Medicare & Dental
Toll Free Dial-In: 844-767-5679 Toll Free Dial-In: 844-291-6360 Toll Free Dial-In: 844-291-6360
Access Code: 5840243 Access Code: 8379964 Access Code: 8379964
Coming Soon: 24/7 Education from UnitedHealthcare
Explore your Medicare plan benefits virtually with the Virtual Education Center from
UnitedHealthcare. Available November 1 at UHCvirtualretiree.com/ASRS
Find more education & information for retirees at AzASRS.gov/content/retirees 5Adults with dental coverage are
more likely to visit the
Plus, you have
dentist at least once a year.
the freedom to
Adults who report visit any licensed
good oral health are almost dentist you like!
(No primary care
Improve Your as likely to report good or
better overall well-being. dentist needed.)
Health
Preventive Care is 100% Covered
Routine cleanings, exams and bitewing X-rays
are fully covered for Delta Dental members.
Checkup PlusTM
Preventive and diagnostic services are not deducted Did You Know
from your annual maximum, giving you more money to You have two great Delta Dental
use when you need it most. plan options to choose from!
Key highlights include:
No Missing Tooth Limitations1
Over 1.2 million Your benefits are not limited due to any
Arizonans choose pre-existing conditions, like missing teeth.
Delta Dental to protect
their smiles. Implant Coverage1
Trust Implants are now covered
Delta Dental You can visit any of our
157,878 network
under major services!
dentists and specialists.
Stay strong and healthy with a dental plan from Delta Dental of Arizona, the state’s leading
dental benefits provider. With the largest network of dentists, quick answers and personalized
service, we make it easy to protect your smile and keep it healthy.
deltadentalaz.com/asrs
1
This benefit is only available on the Delta Dental High Plan Option. Refer to the plan benefit summary at deltadentalaz.com/asrs or azasrs.gov for more information.
Sources: 2014 Delta Dental Oral Health & Well-being Survey, Delta Dental of Arizona Internal Data (January 2020), Delta Dental National Provider File (March 2020), Arizona State Board of Dental
Examiners Data (January 2020)
Arizona Dental Insurance Service, Inc. dba Delta Dental of Arizona. DDAZ-0432-rev0820
67
What is the Retrospective Rate Agreement (RRA)?
“RRA funds” are funds that have accumulated as a result of a contractual
agreement between the ASRS and UnitedHealthcare which mandates that 2021
Monthly NEW
revenue in excess of medical costs and negotiated expenses be returned to the Monthly
Premium 2021
Savings
ASRS. BEFORE Monthly
due to the
Savings Premium
This plan year will be the third and final year RRA
of the three-year planned distribution of funds WITHOUT MEDICARE
You & your dependents DO NOT have Medicare Part A and B
accumulated through the RRA. In total, over the
Choice Premier (Single) $1,082 $20 $1,062
three-year planned distribution of funds during
Choice Value (Single) $906 $20 $886
plan years 2019, 2020 and 2021, ASRS retirees
are projected to save more than $127 million in Choice Economy (Single) $795 $20 $775
medical premiums. Choice Plus PPO
$1,381 $20 $1,361
(Out of State, Single)
For plan year 2022 and forward, an annual WITH MEDICARE A & B
analysis will be completed to determine if future You & your dependents have Medicare Part A and B
offsets can be made each plan year to reduce Group Medicare Advantage
$73 $73 $0
medical premiums. HMO (Single)
Group Medicare Advantage
For additional information about the RRA, $108 $41 $67
PPO (Single)
please visit page 10 of your Enrollment Guide.
Annual notice of right to
2020 Annual Notice to All ASRS Retirees elect or revoke federal
tax withholding
P eriodic pension payments will
be subject to federal income tax
withholding if the taxable portion
revoke an election by completing
Form W4-P, which is available at
your local IRS office, library or on have withholding applied to your
of the total annual payments equals the IRS website at: periodic pension payments, or if
or exceeds $25,140 ($2,095 per you do not have enough federal
IRS.gov/pub/irs-pdf/fw4p.pdf income tax withheld from such
month) unless you elect not to have
withholding apply. In the absence of You may revoke an payments, you may be responsible
an election, your withholding will election at any time. Your for payments
automatically be calculated in the withholding election will of estimated
same manner as withholding from remain in effect until tax. You may
wages. revoked. Any election also incur
not to have withholding penalties under
If you do not wish to make an
apply is prospective the estimated
election or change a prior election,
only and any election tax rules if your
no action is necessary.
made after a payment withholding and
If you wish to make, change or revoke is not an election estimated tax
an election, ASRS retirees may do so with respect to that payments are not
by logging in to their secure myASRS payment. sufficient. |
account at
If you elect not to
AzASRS.gov. You can also make or
8 Your Retirement (Copyright Arizona State Retirement System 2020)You can also read
