2024 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 dependent children under the age of 26 on an LCRA group health plan. When retirees turn 65 or become Medicare eligible, they must enroll in Medicare.

During the benefits review window, you have two options:

  1. Keep your existing coverage.
    • If you are not making changes to your current coverage, no action is needed.
    • Your current benefits selections will auto-renew for 2024.
  2. Make a change or drop coverage.
    • Complete this form and send it back to the LCRA Benefits Team, postmarked no later than Oct. 20, 2023.
    • If you miss this deadline, your current benefit elections will carry forward to next year at the 2024 premiums.
    • Remember: If you drop coverage or remove a dependent or spouse from any plan, you will not be able to add coverage back in future years.

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Medical and prescription insurance

UnitedHealthcare Choice Plus provides in-network and out-of-network benefits. If you become Medicare eligible, it is important to note that for coordination of benefit purposes Medicare becomes primary and UHC becomes secondary.

Download the UnitedHealthcare app to access your ID cards, review out-of-pocket maximums, find in-network providers and more.

Prescription insurance

Retirees who enroll in the LCRA retiree group medical plan automatically receive prescription coverage through a UHC company called OptumRx. The plan categorizes prescription drugs into three pricing tiers, with additional tiers for specialty drugs. To search for a prescription drug or view the cost, log in to your MyUHC member portal, click on Pharmacies & Prescriptions, then Drug Look Up.

UHC’s specialty medication copay card and coupon program may lower your monthly copay and help you save on your out-of-pocket costs for certain specialty medications.

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. Visit your MyUHC member portal or go to the UHC app to see if your drug is eligible for mail order through OptumRX.

UHC participants also have access to additional benefits

Virtual visits – Optum Virtual Care
Free virtual care available through UHC’s Optum Virtual Care benefit can save you money on doctor visits for routine illnesses like colds and fevers. It also gives you access to behavioral health specialists for needs such as depression, anxiety, stress or ADHD. Visit with a doctor from anywhere using video chat. Doctors are available 24/7.

Billing support – Naviguard
Choosing in-network providers lowers your financial responsibility, but if you do receive out-of-network services, free billing support is available. Use the phone number on the back of your UHC insurance card to contact a Naviguard advisor to review your bill and discuss options that may be available to lower the expense.

Orthopedic support – Specialist Management Solutions®
This program connects you with a dedicated team to help you understand treatment choices, direct you to a center of excellence to improve your outcome, and potentially lower out-of-pocket costs.

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

Pre/diabetes and hypertension support – Teladoc Health Chronic Condition Management
Free support to help members manage their pre-diabetes, diabetes and hypertension conditions using smart devices, personalized coaching and health management strategies. Available to you and your covered dependents 18 or older.

Wellness and weight management – Real Appeal and One Pass
Real Appeal provides online wellness management support by offering daily encouragement and incentives at no cost to you.

One Pass is a wellness subscription membership that provides access to a nationwide network of fitness locations and on-demand fitness classes. You can also get groceries and household essentials delivered to your home.

Dental insurance

Dental insurance through Guardian provides you and your dependents coverage for routine cleanings and other dental services.

Review plan coverage

View a summary of the plan benefits. The calendar year maximum benefit per person is $2,000.

If you use an out-of-network provider, you will pay more out-of-pocket since those providers do not have negotiated rates with Guardian. Search in-network providers on the DentalGuard Preferred network.

How to access your Guardian information

Learn how to view and print your Guardian member ID. Your dentist will call Guardian to verify dental coverage.

Dental information is also available through the Guardian mobile app to keep track of claims, retrieve electronic ID cards and more.

Vision insurance

Vision insurance through EyeMed includes coverage for eye exams, frames, lenses and contacts. Two plans are available.

Standard plan

The standard plan offers a maximum frames allowance of $125 every 24 months and eye glass lenses every 12 months. If you choose contact lenses in lieu of eye glass lenses and frames, the maximum benefit is $120 per year. Participants pay a $10 copay for an eye exam once every 12 months.

Enhanced plan

The enhanced plan offers a maximum allowance of $150 every 12 months for either eye glass lenses and frames or contact lenses. Participants pay a $0 copay for an eye exam once every 12 months.

How to access your EyeMed information

You won’t receive a vision insurance ID card. Your optometrist will call EyeMed to verify coverage.

EyeMed’s Member Web offers benefit breakdowns, savings snapshots, a cost estimator and a detailed eye doctor search. You can also find information on Lasik and hearing benefits. Find your coverage information on-the-go with the EyeMed mobile app.

Prepaid legal plan

ARAG (access code: 18181ret) offers two prepaid legal plans, Ultimate Advisor and Ultimate Advisor Plus. Both give you access to a national network of credentialed lawyers to choose from.

How these plans work
Most covered legal matters are 100-percent paid-in-full when you work with an in-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.

Questions? Need assistance?

866-633-2474 (Retiree Medical/Rx)
877-791-9964 (UHC Medicare supplement)

Guardian (Dental)

EyeMed (Vision)

ARAG (Legal)

LCRA Human Resources
[email protected]
512-578-4004, option 4