Gather Here. Go Far

NSU is where success begins. Here professors know their subjects and how to get you ready for a career after you graduate. We empower individuals to become socially responsible global citizens by creating and sustaining a culture of learning and discovery.

Gather Here. Go Far

NSU is where success begins. Here professors know their subjects and how to get you ready for a career after you graduate. We empower individuals to become socially responsible global citizens by creating and sustaining a culture of learning and discovery.

Gather Here. Go Far

NSU is where success begins. Here professors know their subjects and how to get you ready for a career after you graduate. We empower individuals to become socially responsible global citizens by creating and sustaining a culture of learning and discovery.

Gather Here. Go Far

NSU is where success begins. Here professors know their subjects and how to get you ready for a career after you graduate. We empower individuals to become socially responsible global citizens by creating and sustaining a culture of learning and discovery.

Gather Here. Go Far

NSU is where success begins. Here professors know their subjects and how to get you ready for a career after you graduate. We empower individuals to become socially responsible global citizens by creating and sustaining a culture of learning and discovery.

Health Insurance: UnitedHealthcare FAQs

United Healthcare FAQs

There will be a passive enrollment, which means members of OSEEGIB's health supplement to Medicare will automatically be enrolled 1-1-10 in the new OKHEEI United Healthcare senior medical supplement plan with UHC. In order to drop coverage, they will have to sign and return an Opt Out form. The same is true of retirees 65-or-older spouses currently enrolled as dependents on the OSEEGIB health supplement to Medicare.
This new OKHEEI plan is a customized senior supplement plan similar to a Medigap Plan F.

We will compile all the questions into one document and create a list of FAQs. UHC will provide the OKHEEI Group with answers to the FAQs to have on hand, to post on each school's website, or to provide to their Medicare retirees.

At this time a UHC custom OKHEEI Group website is not available, but is slated as a future enhancement for 2011. For now, please check your individual school website for information such as this FAQ, rate charts, etc.

The four tiers are:

  • Tier 1 = Generic drugs
  • Tier 2 = Preferred Brand drugs
  • Tier 3 = Non Preferred Brand
  • Tier 4 = Specialty drugs

The 90-day supply is a 3-month supply of medication. Some of the retail pharmacies in the UHC Plan's network have agreed to offer a 90-day supply of medications, which will result in a savings of 2 copayments at the time of dispensing. (Change approved 11-18-09.) Not all pharmacies, however, offer the 90-day supply. If you prefer a 90-day supply, and your local pharmacy does not provide this service, then you will need to order by mail and will pay an extra copayment for a 90-day supply.

Retirees can contact UHC Customer Service for a listing of the participating locations. We can also provide a listing for the schools to have on hand and share as appropriate.

The United Healthcare Medicare Rx phone number is: 1-888-556-6648.

Yes. Retirees can fill their prescriptions at any participating pharmacy or through mail order. Mail order is just an additional option that is available and retirees are not required to use it.

This depends on how the physician writes the prescription. The doctor may want you to take more than one pill a day. In that case, the 3-month supply will be more than 90 pills. Please realize some medications may have quantity limits.

Michele R. Carter is the Sr. Client Manager for this account. She is available to the group to assist in any way possible to make this a smooth transition. In addition, during the enrollment phase, retirees will have access to enrollment specialists who can answer any questions they may have. Once enrolled, Medicare retirees will have access to our Customer Service team to assist with any questions or issues ongoing. This toll-free number for the United Healthcare Senior medical supplement (commonly referred to as Sr. Supp ) is: 1-800-698-0822.

No enrollment forms are needed as we are doing a passive enrollment. An Opt Out form was included with the upcoming announcement letter that was mailed to you in early November. Only those Medicare retirees who want to change Rx Plans (from High to Low or from Low to High) or opt out of the insurance will be required to complete the form. Enrollment kits with complete plan information should have been mailed from UHC to your home on or around 11/5/2009.

It would be the first of the month in which a retiree or spouse turns 65 unless their birthday is on the first day of the month. If the birthday is actually on the first day of the month the retiree or spouse would become effective in Medicare the first day of the previous month. For example, if your 65th birthday is February 20, 2010, your Medicare effective date would be February 1, 2010. (Note: if your birthday is on the 1st day of any month, Medicare Part A and Part B will be effective the 1st day of the prior month. For example, if your 65th birthday is February 1, 2010, your Medicare effective date would be January 1, 2010.) Contact Medicare for more information as your date approaches. 1 800 MEDICARE.

The following items are scheduled to be mailed to Medicare retirees home addresses: 11/3/2009 announcement letter from your school. 11/6/2009 kit (plan information) from UHC. 12/16/2009 ID Card and post-enrollment kit from UHC.

In order for a legal dependent to be covered under this plan they would have to be over the age of 65 and on Medicare Parts A & B. Disabled dependents who are not yet 65, but have Medicare Parts A & B, would also be eligible for the plan. If you have dependents that are not Medicare eligible, then BCBSOK will be the carrier for their health and/or dental insurance, if certain legal conditions are met. Contact your school HR office for more information about the necessary documents.

Dental coverage will be with Blue Cross Blue Shield of Oklahoma (BCBSOK) for those retirees and/or dependents currently (2009) enrolled in a dental plan through OSEEGIB. Your deductible amounts will remain the same as what they have been in 2009 with OSEEGIB, which is $25 per person per year, and zero deductible for preventive care.

Yes, you can change from Rx low to Rx high during the annual open enrollment period.

Yes, you can see any provider within the U.S. as long as the provider accepts Medicare.

UHC is looking forward to a long partnership with OKHEEI Group Medicare retirees. We specialize in plans that are tailored and geared towards post-65 retirees.

Pre-existing will be waived for those retirees and dependents transitioning from OSEEGIB to UHC.

Yes, you can add your spouse to your VSP vision insurance, 1-1-10 with this new group plan.

At this time, only medical (health) coverage and prescription drug coverage are being offered through UHC. Contact your previous employer for life insurance information.

SilverSneakers fitness benefit is included in the OKHEEI plan.

To continue coverage, your spouse will need to participate in the 1/1/2010 OKHEEI group insurance plans for Pre-65 retirees, and active faculty and staff. The carriers will be BCBSOK for health and dental, and VSP for vision.

Medicare-eligible spouses and any other eligible dependents currently covered through the OSEEGIB program (age 65 and over, or at that have certain disabilities which qualify for Medicare) will be covered under the UHC plan while the Pre-65 retirees or spouses, below the age of 65 and not yet qualified for Medicare, will be covered under BCBSOK.

There has been a recent development in the UHC/OKHEEI Rx (Part D) pricing. In order to provide the HealthChoice level of copayments for a 3-month supply of drugs, the pricing has been corrected to $17.10 more a month for Part D

Please refer to the formulary for drug tier information and applicable copays. The formulary was included in the packet of information that you received recently from United Healthcare or you can call the United Healthcare Rx (Part D) pre-enrollment toll free number at: 1-888-556-6648.

UHC rates are reviewed annually and are subject to change. Many variables are taken into consideration, including, but not limited to, actual or anticipated costs in a specific geographic location adjusted for additional characteristics such as benefit design, employer contributions, etc.

For post-65 retirees, or disabled dependents on Medicare Parts A & B, the enrollment option is the United Healthcare Sr. Supplement only, or combined with either a high prescription plan or a low prescription plan. For complete plan details or to review the difference in the prescription high vs. low option please refer to the packet of information from United Healthcare in the upcoming mailing. The monthly cost of the Rx (Part D High) portion of the premium structure is $126. One should never drop a Part D Plan unless it is for another credible Part D Plan.

If the spouse of the Medicare retiree is age 65 or above (or eligible for Medicare due to a disability), the spouse will have the same health premium rate as the retiree. If the spouse is below age 65, the spouse will be covered by BCBSOK for health at a premium rate subject to that health plan.

Yes. Remember that your doctor must be a network provider for the new network the OKHEEI group will use, in order to maximize your benefit. Use the VSP Signature Choice Network. If your favorite eye doctor is not a member of the network, ask him or her to contact VSP about joining.

No, the premiums for 2010 will be different. Also, vision coverage and rates will be the VSP Choice Plan for our OKHEEI Group. Dental coverage and rates will be with the BCBSOK Blue Care Network for our OKHEEI Group. This network was formerly referred to as the Traditional network.

Retirees who are already retired will be able to add or drop VSP vision each January 1, which is currently (2009) allowed through OSEEGIB. Retirees will not be able to add the new BCBSOK dental if they do not already have this coverage in place as a retiree.

Yes, you are correct. If you are already retired, and do not currently (2009) have the HealthChoice medical supplement plan, or you had it and dropped it, you cannot enroll for 2010 in this OKHEEI group senior supplement plan sponsored by United Healthcare.

Can I stay with OSEEGIB?

OSEEGIB informed our group, and confirmed for us on November 12th, that Medicare and pre-65 retirees will not stay with OSEEGIB but will transition with the OKHEEI Group insurance plans. OSEEIGB has provided the following statute to this effect: ((FN1) Title 74. 1308)) Except as otherwise provided by law, an educational entity may cease to participate in the State and Education Employees Group Insurance Act but provide health insurance coverage through another insurance carrier. The subsequent carrier shall provide coverage to the employees of the educational entity who terminated employment with a retirement benefit, with a vested benefit, or who have ten (10) or more years of service with a participating educational entity but did not have a vested benefit through the retirement system of the educational entity, if the election to retain health insurance coverage was made within thirty (30) days of termination of employment. Coverage shall also be provided to the eligible dependents of the employees if an election to retain coverage is made within thirty (30) days of termination of employment.

Who is UnitedHealthcare?

United Healthcare has a very large footprint in the insurance health care industry. United Healthcare is a nation-wide independent insurer to over 70 million individuals. Additionally, United Healthcare is the leading carrier of Medicare plans in the nation, serving 1 in 5 seniors.

There is no postage/shipping charges associated with shipping your prescriptions to you via the United Healthcare prescription mail order program. You will only be responsible for your mail order prescription copay.

Yes, as long as you remain enrolled in the UHC Senior Supplement Medical plan you can opt in and out of the UHC group prescription plan annually. Changes can only be made during the annual open enrollment period. Please keep in mind that if you are eligible for Part D but are not enrolled in any Part D plan, CMS will assess a 1% per month penalty. The penalty will be assessed for each month that you are not enrolled in any Part D plan. The penalty will be applied after you pick up another Part D plan. The penalty is applied forever and can not be waived or removed from the premium you pay for your Part D plan.

This test is only covered when it meets Medicare coverage criteria. In order to be covered one would have to have a family history of the disease.

No, if the actual retail cost is less then your prescription copay then you will pay the cost of the prescription. You always will pay the lesser of the two.