2019 benefits options for retirees ages 65 and older

Retirees ages 65 and older do not have access to LCRA's group medical and prescription drug plan. (Note: retirees who are 65 and older and have children on an LCRA group plan will continue to be covered under LCRA's group medical and prescription drug plans until they no longer carry children on the plan.)

LCRA’s benefits program for retirees 65 and older includes vision, dental and legal insurance.

During the benefits review period Oct. 8-26, you have an opportunity to keep or waive current benefits options that will be in place for all of 2019. If you are currently enrolled in legal or vision coverage, you have the option to switch between the standard and enhanced plans. Once you decide to drop coverage in any of LCRA's group plans, you cannot add it back in future years.

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At a glance: your benefits options for 2019

Medical and prescription insurance

There are many Medicare Supplement plan providers in the marketplace from which to choose. If you wish to consider a UnitedHealthcare Medicare solution, refer to the enrollment packet from UHC or contact them at 877-791-9964 for assistance with enrollment and supplemental plans. If you are eligible to receive the retiree reimbursement you must participate in a UHC Medicare solution. LCRA will contribute to RRAs for those eligible to participate at the following rates in 2019: up to $150 each month for a participating retiree and up to $125 for a participating spouse.

Dental insurance

Dental insurance through MetLife 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. Participants won't receive a dental insurance ID card. Your dentist will call MetLife to verify coverage.

Dental information is also available through the MetLife mobile app.

Vision insurance

EyeMed - Benefits include coverage for eye exams, frames, lenses and contacts.  Two plans are available. The standard 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 will pay a $10 copay for an eye exam once every 12 months.

The enhanced plan offers a maximum frames allowance of $150 every 12 months on lenses and frames. Contact lens are in lieu of eye glass lenses and frames benefit at $150 per year. Participants will pay a $0 copay for an eye exam once every 12 months.

View a summary of both plans. Participants won't receive a vision insurance ID card. Your optometrist will call EyeMed 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.


Questions? Need assistance?

UnitedHealthcare (LCRA group plan)

  • 844-637-7503 (LCRA group plan)
  • 877-791-9964 (Medicare supplement)

MetLife (Dental)
800-942-0854

EyeMed (Vision)
866-804-0982

ARAG (Legal)
800-247-4184

LCRA Human Resources
512-578-4004, option 3
lcra.benefits@lcra.org