Benefits options: Under 65 | LCRA Benefits options: Under 65 | LCRA

2021 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.

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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 (this list is subject to change after Jan. 1, 2021). It’s organized by the type of medication so you and your doctor can see all the covered medications for specific conditions. If you are now taking a medication that is excluded in 2021 and there is no reasonable covered alternative, it will be grandfathered into your 2021 prescription coverage.

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. You also have the option to save money by filling prescriptions via mail order.

Although the plan is the same, participants will receive a new ID card.

UHC participants also have access to additional benefits:

Virtual Visits offers 24-hour telemedicine support from the comfort of your home and the copay is $0.

Choosing in-network providers lowers your financial responsibility, but out-of-network support is available through Naviguard if you are balance billed for out-of-network services. Use the phone number on the back of your new UHC insurance card to contact a Naviguard member advisor. Together, you can review your bill and discuss options that may be available to lower the expense.

Spine & Joint Solution connects you with a dedicated team to help you understand treatment choices, where to go for care and potentially lower out-of-pocket costs.

2nd. MD – offers a free second medical opinion on a current or new diagnosis, treatment options and can help you manage chronic conditions.

Medical information is also available through the UnitedHealthcare app.

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. MetLife will mail ID cards in December.

Dental information is also available through the MetLife mobile app.


Vision insurance through EyeMed includes 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. Choose contact lenses in lieu of the eye glass lenses and frames benefit at $120 per year. Participants 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. Choose contact lenses in lieu of the eye glass lenses and frames benefit at $150 per year. Participants pay a $0 copay for an eye exam once every 12 months.

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?

866-633-2474 (LCRA group plan)

MetLife (Dental)

EyeMed (Vision)

ARAG (Legal)

LCRA Human Resources
[email protected]
512-578-4004, option 3