2017 benefits options for retirees under 65
LCRA provides a comprehensive benefits program for retirees that includes medical, prescription drug, legal, dental and vision coverage. These benefits are available to retirees under the age of 65 and retirees of any age who have covered children on an LCRA group health plan. Once you turn 65, retirees must enroll in Medicare.
At a glance: your benefits options for 2017
Medical and prescription insurance
UnitedHealthcare Choice Plus – The plan provides in-network and out-of-network benefits.
View the copays and benefits.
Prescription Drug – Retirees who enroll in the LCRA group medical plan automatically receive prescription coverage through UHC. The plan categorizes prescription drugs into three pricing tiers, with additional tiers for specialty drugs.
Review the pricing tiers and copays. UHC provides a
prescription drug list that shows the pricing tiers for the most commonly prescribed medications. It’s organized by the type of medication so you and your doctor can see all the covered medications for specific conditions.
UHC Choice Plus Summary of Benefits and Coverage
Dental insurance through Humana Dental covers preventive care at 100 percent when you use a network dentist. Participants may choose when to schedule four preventive cleanings within the calendar year. The calendar year maximum benefit is $2,000.
View a summary of the plan benefits. There is no dental insurance ID card. Your dentist will call Humana to verify coverage.
Vision insurance through Superior Vision includes coverage for eye exams, frames, lenses and contacts. The plan offers a maximum frames allowance of $125 every 24 months and lenses every 12 months. Contact lens are in lieu of eye glass lenses and frames benefit at $120 per year. Participants pay a $10 copay for an eye exam once every 12 months.
View a summary of the plan benefits. There is no vision insurance ID card. Your optometrist will call Superior Vision to verify coverage.
Prepaid legal plan
ARAG offers two prepaid legal plans, Ultimate Advisor and Ultimate Advisor Plus. Both give you access to a national network of credentialed lawyers – you choose your lawyer. Most covered legal matters are 100-percent paid-in-full when you work with a network attorney. The plans also offer access to legal databases and other online and over-the-phone legal resources.
The Ultimate Advisor Plus plan also includes comprehensive identity theft coverage, financial counseling, divorce representation and resources to help you with caregiving and eldercare issues.
Learn more about both plans.
Whether you participate in the legal plans or not, all LCRA retirees have access to an online legal self-help library that includes articles and do-it-yourself forms for a variety of legal issues. Visit the ARAG legal center and use the access code 18181ret.
UnitedHealthcare (LCRA group plan)|
UHC Medicare pre-enrollment questions (65+)|
UHC RRA questions (65+)
LCRA Human Resources
512-578-4004, option 3