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2019 benefits options for retirees under 65

LCRA is proud to help our retirees and their families have access to competitive medical, prescription drug, vision, dental and legal coverage options. 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. When retirees turn 65, they must enroll in Medicare. Note: Eligibility for Retiree Reimbursement Accounts will change effective Jan. 1, 2019.

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

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.

New in 2019, for your convenience you can fill a 90-day supply of maintenance prescriptions at a retail pharmacy. The cost would be the equivalent of paying for three months.

Participants won't receive a new ID card as the plan is the same.

Participants who use tobacco products will pay $75 more per month in health care premiums. Complete the tobacco affidavit on the benefits worksheet. Participate in the free Quit for Life program by Nov. 30, 2018, and the additional fees paid in 2019 will be reimbursed to you.

Dental insurance

MetLife - The plan 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



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