2023 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.
LCRA’s benefits program for retirees under 65 includes medical, dental, vision and legal insurance.
During the benefits review window, you have two options:
- 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 2023.
- Make a change or drop coverage.
- Complete this form and send it back to the LCRA Benefits Team, postmarked no later than Oct. 21, 2022.
- If you miss this deadline, your current benefit elections will carry forward to next year at the 2023 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.
Medical and prescription insurance
UnitedHealthcare Choice Plus provides in-network and out-of-network benefits. View the copays and benefits. If you become Medicare eligible, it is important to note that for coordination of benefit purposes Medicare becomes primary and UHC becomes secondary.
Retirees who enroll in the LCRA retiree 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. 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.
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.
UHC participants also have access to additional benefits:
Optum Virtual Care 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 if you do receive out-of-network services, free billing support is available through Naviguard. Use the phone number on the back of your UHC insurance card to contact a Naviguard advisor. Together, you can review your bill and discuss options that may be available to lower the expense.
Optum® Orthopedic Health Support connects you with a dedicated team who will help you understand treatment choices, direct you to a center of excellence to improve your outcome 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.
Download the UnitedHealthcare app to access your ID cards, review out-of-pocket maximums, find in-network providers and more.
Dental insurance through Guardian provides you and your dependent(s) coverage for routine cleanings and other dental services. Staying in-network saves you money. Search in-network providers on the DentalGuard Preferred network. 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. Your dentist will call Guardian to verify dental coverage. The calendar year maximum benefit per person is $2,000. View a summary of the plan benefits.
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 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.
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.
You won’t receive a vision insurance ID card. Your optometrist will call EyeMed to verify coverage.
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. 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. Learn more about both plans.