UAW Retiree Medical Benefits Trust
Questions and Answers
AFFORDABLE CARE ACT

1. Do I need to sign up for a health plan through the health care exchanges?
Since you have Trust-provided group health coverage, you do not need to seek coverage through the exchanges.

ADMINISTRATION

2. What is the UAW Retiree Medical Benefits Trust (the “VEBA”)?
The Trust was established as a result of settlement agreements between the UAW and the three Auto Companies – Chrysler Group LLC, Ford Motor Company, and General Motors Corporation (and certain companies associated with them). The Trust has been established as a tax-exempt trust, commonly referred to as a VEBA (Voluntary Employees’ Beneficiary Association). Each Auto Company provides funding to the Trust into separate accounts, and the Trust tracks the assets and liabilities for each Auto Company separately

CALL CENTER

3 . Who do I contact to change an address?
To change your address for medical benefit purposes, you will need to contact Retiree Health Care Connect service center.

All retirees can call 866-637-7555 between 8:30 am & 4:30 pm Eastern Time or go the web site at
http://resources.hewitt.com/rhcc

To change your address for pension purposes, you should call your pension administrator. GM retirees call 800-489-4646, Ford retirees call 800-248-4444, Chrysler retirees call 888-409-3300 and Chrysler Financial retirees call 866-269-3921.

4. Why do I need to contact two different places to change my address?
It is important for you to keep your information updated in both places since one call center is the pension administrator from your former employer and the other is for your health care eligibility through the UAW Retiree Medical Benefits Trust.

5. Who do I contact if I want to change health care plans?
You are able to change health plans as part of the rolling enrollment process - as long as you have been in your current plan for a minimum of 12 months.

To change your plan you will need to contact Retiree Health Care Connect at 866-637-7555 between 8:30 am & 4:30 pm Eastern Time or go the web site at 
http://resources.hewitt.com/rhcc

6. What PIN do I use to access my account?
Retirees can access their account by providing personal information including, date of birth, zip code, and last four digits of their social security number.

7. Can I access my information online?
You can access your health care information and make changes online at 
http://resources.hewitt.com/rhcc

8. Who do I call with a question about a medical claim?
You should call your health plan carrier. The customer service number is on the back of your ID card. 

COVERAGE / ELIGIBILITY


9. What if I have coverage with another health care plan like my spouse’s and waive Trust coverage now—can I come back later?
Yes, if you are an eligible retiree or surviving spouse covered under another plan you can enroll in the Trust in the future. When you notify Retiree Health Care Connect, your coverage will begin the first of the following month as long as you are able to provide proof of continuous health care coverage.

10. My spouse and I both are UAW retirees - can we cover one another?
If you each retired from different auto companies yes, you can. You can carry your own coverage individually or you can each cover the other as a dependent. However, if you decide to cover each other, both of you will be responsible for monthly family contribution rates. If you both retired from the same auto company each of you can carry your own coverage or one of you can carry the coverage with the other as a dependent.

11. Am I eligible for medical coverage?
Based on the terms of your retirement, if you are a UAW retiree or surviving spouse from Chrysler, Chrysler Financial, Ford or GM and eligible for retiree medical benefits, you are eligible for coverage under the UAW Retiree Medical Benefits Trust.

DEPENDENTS

12. Can I cover my spouse/domestic partner?
Yes. Your spouse and/or domestic partners are eligible for coverage. New domestic partners however, cannot be added after retirement.

13. Can I cover my children?
You can cover your children as long as they remain eligible. Your eligible children can remain on coverage until the end of the month in which they turn 26 years of age. If your child is Permanent and Totally Disabled (PTD) coverage may be continued beyond age 26. (Contact Retiree Health Care Connect to obtain a Disabled Dependent Certification package.) Children must be unmarried, reside with you, and be eligible to be legally claimed as an exemption for federal tax purposes, unless you are responsible for their medical coverage due to a divorce decree or Qualified Medical Child Support Order.

The Trust covers natural born children, step children and adopted children. Children for which you have court ordered legal guardianship are eligible until the end of the month in which they turn 18 years of age. 

14. Does the Trust have a student requirement for eligibility?
No. The Trust does not have a student requirement. Children must be unmarried, reside with you, and be eligible to be legally claimed as an exemption for federal tax purposes, unless you are responsible for their medical coverage due to a divorce decree or Qualified Medical Child Support Order.

GENERAL

15. Are all auto UAW retirees in the same Trust?
Although the UAW Retiree Medical Benefits Trust provides coverage to UAW retirees from Chrysler, Chrysler Financial, Ford and GM each auto funds the Trust separately based on the terms of the settlement agreements.

16. Are Union Benefits Representatives (UBRs) still available to assist me?
Union Benefits Representatives are still available to help future retirees with their Pension applications.

17. How do I request a Summary Plan Description (SPD)?
SPD’s were mailed to all eligible retirees and surviving spouses in November of 2009. You can view the SPD online on this site in the Medical Overview section or request a copy by contacting Retiree Health Care Connect at 866-637-7555.

HEALTH PLAN

18. What are the current cost sharing provisions?
Cost sharing provisions can be found in the Medical Cost Sharing Section of this site.

19. Who should I call with a claim issue?
You should call your health care plan carrier. A customer service number can be found on the back of your ID card.

20. Can I change my health care plan?
You can change your health care plan as long as you have been in your current plan for at least 12 months. The 12 month restriction may be waived when a new health plan is offered in your service area.

21. Who do I contact to change to a different health care plan?
To change your health care plan, you will need to contact the Retiree Health Care Connect service center.

All retirees can call 866-637-7555 between 8:30 am & 4:30 pm Eastern Time or go the web site at 
http://resources.hewitt.com/rhcc

ID CARDS

22. Who do I contact if I need a replacement ID card? 
Contact the customer service center of your health plan or Express Scripts at 1-866-662-0274 for prescription drugs to request a replacement ID card.

MEDICARE

23. If I have Medicare, how will my claims be processed?
Medicare will pay first, and then the UAW Retiree Medical Benefits Trust will consider the remaining balance for payment with any cost sharing requirements.

24. If I am eligible for Medicare but chose not to enroll, how will my claims be processed?
It is still important to maintain enrollment in Medicare Part B since health care claims are paid as if Medicare is primary whether or not you are enrolled. If you choose not to enroll you will be responsible for significantly higher out of pocket expenses until you enroll in Medicare Part B.

PAYMENT OPTIONS

25. If I don’t get a pension, how can I pay my premiums?
If you currently receive monthly invoices, as a convenience to you and to prevent you from missing a premium payment, you can arrange for automatic bank withdrawal, which is the preferred method of payment. You can enroll for this service by contacting Retiree Health Care Connect.

You can call 866-637-7555 between 8:30 am & 4:30 pm Eastern Time or go the web site at 
http://resources.hewitt.com/rhcc

26. If I have a number of deductions taken out of my pension and the gross amount doesn’t cover all of the deductions, what priority is followed?
You should contact your pension administrator to find out the priority level of deductions. GM Retirees call 800-489-4646, Ford retirees call 800-248-4444, Chrysler retirees call 888-409-3300. Chrysler Financial retirees cannot participate in the pension deduction option.

27. How do I sign up for pension deductions or direct debit payment options?
You can contact Retiree Health Care Connect to change payment options.

Call 866-637-7555 between 8:30 am & 4:30 pm Eastern Time or go the web site at 
http://resources.hewitt.com/rhcc

PRESCRIPTIONS

28. What is the difference between a group-sponsored Medicare prescription drug plan and an individual Medicare Part D plan?
The group-sponsored plan was created specifically for the Trust and is only available to its retirees and eligible dependents. Unlike an individual plan, you do not need to enroll in the Trust-sponsored plan; you will automatically be group enrolled. Please remember, it's important that you do not also enroll in an individual Part D prescription drug plan. CMS only allows coverage through one Medicare Part D plan.

29. Do I have a choice about whether or not I want this prescription drug coverage?
Yes. You may "opt out" of the coverage; however, this is the only Medicare prescription drug coverage available to Medicare-eligible members through the Trust. 

30. Will I need to pay an additional premium beyond my monthly contribution for this coverage?
No, you will not pay a separate premium to the Trust for this plan in addition to your current monthly contribution. Prescription drug coverage is included in your monthly contribution. However, some people will need to pay an extra amount directly to the government because of their yearly income. If your income is $85,000 or above for an individual (or married individuals filing separately) or $170,000 or above for married couples, you will receive a separate notification from the government regarding the additional amount and the process to pay the extra amount.

31. Am I still able to use VA pharmacies? In other words, how will my enrollment in this plan impact my existing VA benefits?
VA pharmacies are not permitted to be included in Medicare Part D pharmacy networks. If you are eligible for VA benefits, you can still use VA pharmacies under those benefits. Please review the Trust prescription benefit against your VA benefit copayments to determine which option makes the most sense for you.

32. Can I keep both my VA and the Express Scripts Medicare prescription drug coverage?
Yes, you do not have to choose one or the other. You can use the VA at any time and this will not impact your Trust Medicare prescription drug coverage.

33. My spouse is not currently Medicare-eligible. How will he or she be impacted if I join this plan?
If your spouse is not Medicare-eligible, he/she cannot enroll in the Express Scripts Medicare PDP plan at this time and will remain in the current Trust prescription drug plan. There will not be any change to his or her Trust-provided prescription drug coverage as a result of this change. 

34. Do I qualify for Extra Help to pay for my prescription drug premiums and costs?
People with limited income and resources may qualify for Extra Help. Some people automatically qualify for Extra Help and don't need to apply. Medicare mails a letter to those who automatically qualify.

Many people are eligible for these savings and don't even know it. The Trust has partnered with Public Consulting Group (PCG) to assist members in applying for Extra Help. Contact PCG at 1-877-522-1061 to see if you qualify for Extra Help.

35. Does anything change in my prescription drug coverage when I become Medicare eligible?
In order to receive prescription drug coverage through the Trust, you must be enrolled in Medicare Parts A and/or B when first eligible. Effective January 1, 2013, the Trust implemented a group-sponsored Part D prescription drug plan. The prescription drug plan is offered through Express Scripts MedicareTM (PDP) on behalf of the Trust. The program allows us to better manage retiree prescription drug benefits and costs. 

These type of plans are not new -- they have been in place since 2006 and will provide the Trust with a more efficient way to deliver and coordinate prescription drug benefits with Medicare. There is no action required on your part. You will automatically be enrolled in the plan. Your overall benefit will remain similar to your current prescription drug coverage. For example, the three-tier copay structure, 90-day mail order program and prior authorizations for certain medications will remain the same. 

Please note that Medicare will only allow you to be enrolled in one Medicare prescription drug plan. This includes coverage you may have through another family member or individual health plan. In you are enrolled or are interested in enrolling in another Medicare Part D plan, you must contact Retiree Health Care Connect at 1-866-637-7555 to "opt-out" of the Trust prescription drug plan prior to your effective date in Express Scripts Medicare to avoid any disruption in your prescription drug coverage. Please be sure to open any communications that you receive from Express Scripts Medicare as it may contain important plan information.

Please note that if you choose to "opt-out," you will have no Trust-provided prescription drug coverage. If you mistakenly "opt-out," you will have the opportunity to re-enroll. You also may receive information from companies selling individual Medicare prescription drug plans. Please remember, it's important that you do not enroll in an individual prescription drug plan benefit in order to participate in the Trust prescription drug benefit. 
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