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Detailed Table of Contents |
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| Index | |
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Introduction
Who Is Eligible
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Enrolling for Coverage
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Program Premium Cost
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Your Rights and Responsibilities
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How the Retiree Group Health Program Works
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| Retiree Group Health Program Design – Mental Health and Substance Abuse Program |
| A Summary Chart of the Retiree Group Health Program – CIGNA Open Access Plus |
| A Summary Chart of the Retiree Group Health Program – CIGNA Indemnity |
| A Summary Chart of the Retiree Group Health Program – CIGNA Post-65 Medicare |
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| What Is an Expense That May Be a Covered Expense – Medical Program |
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| What Expense Is Excluded From Being a Covered Expense – Medical Program |
| What Is an Expense That May Be a Covered Expense – Mental Health and Substance Abuse Program |
| What Expense Is Excluded From Being a Covered Expense – Mental Health and Substance Abuse Program |
How the Prescription Drug Program Works
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| What Is an Expense That May Be a Covered Expense – Prescription Drug Program |
| What Expense Is Excluded From Being a Covered Expense – Prescription Drug Program |
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| How to Fill Your Prescriptions Through the Mail Service Pharmacy |
Your Legal Right to Continuation Coverage
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Coordinating Benefits With Other Programs
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How to File a Claim
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ERISA Claims and Appeals Procedures
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Situations Affecting Your Benefits
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| Right to Reimbursement, Assignment of Rights, and Duty to Notify |
Administrative and Contact Information
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Your ERISA Rights
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Retiree Medical, Prescription Drug and Mental Health and Substance Abuse Programs - RR Donnelley
Coordinating Benefits With Other Programs
Medicare
Medicare is a federal program available to individuals who are age 65 or older, as well as some people under age 65 with certain disabilities and people of all ages with end-stage renal disease. Your medical benefits under the Program are coordinated with Medicare as explained in the previous section.
If you are eligible for Medicare Parts A and B, then Medicare is your primary health care plan. This means that all of your health care claims are first submitted to Medicare for payment. The Program is your secondary health care plan.
If Medicare (which is your primary health plan and is thus submitted first) pays more of your claim than the Program would have paid, there is no payment from the Program. You will still owe the remaining amount. The amount the Program would have paid counts toward both the Program and your Medicare deductible.
Medicare does not allow coverage for services rendered outside of the United States.
