Insurance Overview

• The Medical Plan offers 100% coverage while hospitalized and also a very generous Foreign Travel Benefit. There is complete freedom of choice of Doctors, as there are no networks, and the only restriction in the plan is that the Doctor takes Medicare.
• The prescription drug plan is one of the most comprehensive available on the market.
• The Dental and Vision Plans are with the same carriers used by many airlines' active employees.
• The Hearing Discount Service Plan is included FREE to all airline industry retirees, their relatives and friends, regardless of age.

Member Advocacy

Member Advocacy is a concierge service providing you with one-on-one support, and is designed to help you save time and money. Advocacy provides experienced professionals who offer personal guidance, education and resources customized to members' individual benefits, including assistance with open enrollment. We “speak the language” and can help you in any part of the benefits spectrum – including helping you understand your benefits and offering assistance as you navigate the health care system.

Our Advocates

Our Advocates are comprised of RNs, LPNs, nutritionists, benefit specialists, health coaches, wellness specialists, case managers and both clinical and nonclinical support staff. We pride ourselves in providing friendly, experienced professionals who can explain options and provide solutions in a way that is easy for you to understand. Their sole focus is guiding you through every detail of your benefits and care options — offering the strategic advice you need to help lead a happy and healthy life.

Benefits

Our professional advocates offer broad answers to benefit questions, including simple explanations of:

• Basic coverage provided by the health plan, including explanation of EOBS, co-payments, deductibles and out-of-pocket expenses
• Coverage provided by the dental plan, vision coverage
• Assistance locating doctors and specialists

Claims

Our advocates offer expert assistance with claims and other billing issues and can answer your questions, including explaining the claims process and providing general guidance and administrative support. These services include:

• Assisting with appeals for denied claims
• Explaining claim denials
• Explaining the details of the medical claims payment process
• Answering all questions about paid or denied claims
• Explaining EOBs and what out-of-pocket responsibilities specific claims may represent
• Resolving claim and billing issues
• Making arrangements for visiting nurses or personal care providers, hospice, home health, or equipment
• Facilitating coordination of benefit filing
• Facilitating discussions with non-network providers on reasonable and customary charges

Claim Form

Clinical Care

Advocacy also offers assistance with the coordination of care. Our nurses and healthcare advocates counsel members on medical needs and guide them when seeking help from a physician — or after initial care has been provided. Members may speak confidentially about medical concerns or discuss difficult personal or family issues. Their respect and privacy is our top priority. We provide:

• Assistance finding a doctor, hospital, or community resources
• Help scheduling appointments with primary care physicians and specialists
• Assistance with referrals and pre-authorization
• Assistance transferring medical records, including x-rays and test results
• Explanations of test results after a doctor visit or after a health screening
• Clarifications regarding recent diagnoses - what they mean and what treatment options are available
• Clarifications regarding recommended treatments, explained in simple and straightforward terms
• Help obtaining a second opinion if requested
• Coordination of transfers between hospitals or other medical service providers
• Coordination of home healthcare visits and equipment
• Options for less expensive care and pharmaceuticals
• Referrals to appropriate care programs and other healthcare services
• Explanations of what to expect before and after a surgery, procedure, or diagnosis
• Explanations of discharge orders and help coordinating care after a hospital stay
• Coach members on lifestyle change to improve health

To learn more about this valuable service, contact an Airline Retiree Benefit Plan Advocate at (844) 413-1989.

Benefits and Rates

The Hartford is the Medical Insurance carrier for retirees. They were chosen as the Medical Insurance carrier for the Retiree Group Medical Coverage because of their superior program and many years of experience in the retiree market. The medical plans that are available to you are designed to help you cover approved costs that Medicare may not pay.

Medical Plan Highlights (Countrywide / Florida / Washington)

You have the option to choose from three different Medical Plans. A Premium Plus Plan, Premium Plan and a Value Plan. You can choose the plan that best suits your healthcare needs and your budget.

Effective January 1, 2022, The Hartford is offering a NEW Medical Plan, the Premium Plus Plan. Did you know the NEW Premium Plus Plan is similar to Medicare Supplement Plan F? On the Premium Plus Plan, you pay your premium and the Premium Plus Plan covers everything else with no deductible and no copays on most services*. The Florida Department of Insurance has not approved the issuance of this new offering, so Florida residents are not able to enroll in this new plan.

Premium Plan and Value Plan Annual Out-Of-Pocket Maximum of $1,000 applies to Medicare Part B outpatient expenses only. Your deductible and any Part B coinsurance (your 10% cost share) will count towards meeting the annual out-of-pocket maximum of $1,000.

Under either the Premium Plus Plan, Premium Plan or Value Plan Medical plan, if you are admitted to the hospital you will have no cost for Medicare-approved inpatient services. For outpatient services:

Premium Plus Plan Medical Plan – After the Retiree pays their premium, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges.

Premium Plan Medical Plan – After the retiree pays the Medicare Part B front end deductible, he/she will be responsible for 10% of the cost of any Medicare-approved outpatient service up to an annual out-of-pocket maximum of $1,000, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges.

Value Plan Medical Plan – After the retiree pays the $400 front end deductible (which includes the Medicare Part B deductible), he/she will be responsible for 10% of the cost of any Medicare-approved outpatient service up to an annual out-of-pocket maximum of $1,000, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges. Value Plan Medical Plan is not available to Washington residents.

*For additional benefit information, please click on the forms and Benefit Guide below.

Medical Plan – 2023

Medical Plan Premiums – 2023 (Countrywide)

Medical Plan Premiums – 2023 (Washington State Residents)

Medical Plan Premiums – 2023 (Florida State Residents)

Note: There is an additional $1.00 VEBA Trust Fee, a $1.25 QualityCare Connect fee, and a $2.54 Silver & Fit fee per person in addition to the rates quoted above.

Have questions about the Retiree Medical Plan? View the FAQs or Contact Us today!

Benefits and Rates

Express Scripts is an industry-leading pharmacy benefit manager (PBM) with extensive knowledge of Medicare programs and requirements. Express Scripts serves tens of millions of Americans as a PBM for health maintenance organizations, health insurers, employers, union-sponsored benefit plans, third-party administrators, and workers’ compensation and government health programs.

Express Scripts’ focus is driving out waste while improving health outcomes by coordinating the distribution of prescription drugs. The company offers a combination of services, including clinical management programs, retail drug card programs, home delivery of maintenance medications from the Express Scripts Pharmacy, formulary management programs, and specialty patient care and clinical programs spanning both the pharmacy and medical benefit to enhance care and reduce waste.

Community Pharmacies

Express Scripts has more than 67,000 community pharmacies for your use, including most chain drug stores and many independents. Express Scripts also has the largest Employer Group Waiver Plan (EGWP) in the market.

Mail Order Pharmacy

Ordering prescriptions by mail is like having a pharmacy at your door. It can save you trips to the pharmacy while providing confidentiality in your prescription needs.

Only you know what pharmacy options best suit you. Express Scripts is pleased to offer you the choice of local pharmacies, prescriptions by mail and specialty pharmacies that support you and your specific needs. If you have questions on any of these pharmacy options or your Express Scripts plan, please contact the Express Scripts Member Services staff at (888) 345-2560 or by visiting www.Express-Scripts.com.

Notice about the Coverage Gap (Donut Hole)

During the INITIAL COVERAGE LIMIT your cost-sharing for the Medicare Preferred Value Plan will be: $15 Generic, $50 Preferred Brand, $70 Non-Preferred Brand, and 32.5% Specialty. When the shared costs (what you contribute through your copay and what the Medicare Express Scripts Plan pays) for your drugs exceed $4,660, you leave the Initial Coverage Phase and enter the coverage gap, also called the “donut hole”.

Please note: the above cost-sharing is for a 31-day supply using the Medicare Preferred Value Plan.

Example of how you could get in the Donut Hole:

Assume that during the calendar year in the Initial Coverage Phase, Express Scripts has paid $3,790 in drug costs and you have paid $870 in co-pays.

$3,790 + $870 = $4,660
(You have reached the Initial Coverage Limit)

Please note: this is only an illustration of how the $4,660 Initial Coverage Limit can be reached; it could be a different combination of shared costs between you and Express Scripts depending on how your cost-sharing adds up and how much the Express Scripts Plan pays for the drugs. Regardless of how it is met, the total limit is $4,660.

What happens when I am in the Donut Hole?:

For the 2023 Medicare Preferred Value Plan in the Donut Hole:
Preferred Brand and Non-Preferred Brand Drugs: You pay 25% of the cost plus a portion of the dispensing fee. (The manufacturer provides a 70% discount and the plan pays the difference.)
Generic Drugs: You will continue to pay the same cost-sharing amount as in the Initial Coverage Stage.

Catastrophic Coverage Limit:

In 2023, the limit for Catastrophic Coverage has been set at $7,400. After your yearly out-out pocket drug costs reach $7,400, you will pay the greater of 5% coinsurance or:

• a $4.15 copayment for covered generic drugs (including brand drugs treated as generics) with a maximum of the Initial Coverage Stage member cost share
• a $10.35 copayment for all other covered drugs

For additional benefit information, please click on the forms below.

Prescription Plan Premiums – 2023

Note: There is an additional $1.00 VEBA Trust Fee, a $1.25 QualityCare Connect fee, and a $2.54 Silver & Fit fee per person in addition to the rates quoted above.

Have questions about the Prescription Drug Plan? View the FAQs or Contact Us today!

Benefits and Rates

The Airline Retiree Benefit Plan has selected MetLife to provide dental insurance to you and your spouse. The MetLife Preferred Dental Program (PDP) provides access to over 190,000 dental locations across the country. By seeing PDP dentists you will see a savings of 5-35% from non-network dentists in your area. You can call them with questions at (866) 526-0965.

For additional benefit information, please click on the forms below.

Dental Plan Premiums – 2023

Note: There is an additional $1.00 VEBA Trust Fee, a $1.25 QualityCare Connect fee, and a $2.54 Silver & Fit fee per person in addition to the rates quoted above.

Have questions about the Dental Plan? Contact Us today!

Benefits and Rates

Superior Vision is proud to offer the Airline Retiree Benefit Plan unparalleled selection through the largest, most diverse network of premium vision care providers, while offering distinctive service in every interaction. From flexible plan options to expanded coverage and discounts, our members gain superior value from their vision care benefits with a plan that’s easy to use and manage. You can call them with questions at (800) 507-3800. Note: You must be enrolled in the medical plan in order to elect vision coverage.

For additional benefit information, please click on the Benefit Guide and forms below.

Vision Premiums – 2023

Note: There is an additional $1.00 VEBA Trust Fee, a $1.25 QualityCare Connect fee, and a $2.54 Silver & Fit fee per person in addition to the rates quoted above.

Have questions about the Vision Plan? View the FAQs or Contact Us today!

2023 Hearing Benefits

You and your family members have exclusive access to free hearing consultations and discounts up to 48% off all levels of hearing technology through Start Hearing. These member services are available with your retiree insurance sponsored by your former employer. Visit starthearing.com/partners/thehartford or call us today at (888) 612-6837 to take advantage of your exclusive member discounts. Please see the linked brochure below for details.

Start Hearing – Free Hearing Discount Program for Hartford Covered Retiree

QualityCare Connect^® Benefit

We find you the right doctor at the right time.

Benefits and Rates

Airline Retiree Benefits Plan provides you with exclusive access to QualityCare Connect®, a program that connects you with the best possible specialists and, effective January 2023, primary care physicians for you and your family’s healthcare needs. Don’t trust your health to an online search or the advice of friends – let QualityCare Connect find the best doctors for you.

QualityCare Connect uses your diagnosis to identify physicians that have experience and expertise in treating your specific condition or injury. We give you peace of mind and save you time by connecting you to the right doctors based on your family’s needs and preferences. We also verify insurance acceptance, appointment availability, current legal status and convenience of locations.

Highlights

• Convenient access online or by phone
• At least two physicians are recommended based on objective evaluation of their expertise with your specific condition
• Detailed profiles for recommended physicians provided via email
• Insurance acceptance, appointment availability and required medical records confirmed for you
• QualityCare Connect has no legal or financial relationship with recommended physicians

Learn more about requesting a specialist here.

Click this video to learn more about QualityCare Connect.

Request a Specialist Now

Help is at Your Fingertips. Go online or call for access to this valuable service.

Visit https://my.armadahealth.com/healthcomp/ARBP to learn more.

Requesting a Doctor is Easy

STEP 1 – Create an account by visiting your benefits site, https://my.armadahealth.com/healthcomp/ARBP OR Log in by going to ArmadaHealth.com/Request

STEP 2 – Request a doctor. You can search for either a primary care physician, a specialist or both. Click the FIND PHYSICIANS button to request a doctor.

STEP 3 – Fill out the online form with your information.

STEP 4 – Be sure to check your email! Within several business days, you will receive at least three profiles of physicians suited to your preference selection. If you don’t see the email, check your spam folder.

Questions?

Call us M-F, 8:30am to 8:00pm EST | (888) 302-5735

Have questions about this service? Contact Us today!