Introduction

The Retiree Health Plan covers you and your dependents for a wide range of medical services and supplies including preventive care, physician services, inpatient care, chiropractic care, and prescription drugs. Life insurance benefits are also available.

While the Retiree Health Plan was designed to cover the majority of medically necessary expenses, you and each dependent must share the cost of some of these expenses with an annual deductible, various copayment and coinsurance expenses, and expenses which exceed benefit or scheduled maximums.

When you move from the Employee Health Plan to the Retiree Health Plan, any annual deductible and annual coinsurance expenses that were satisfied under the Employee Health Plan will apply toward those expenses under the Retiree Health Plan. The annual maximums for specific benefits such as home health care and chiropractic treatment will not be reinstated until the first of the following calendar year. The $325,000 annual maximum is also not reinstated until the first of the following calendar year. Lifetime maximums are not reinstated under the Retiree Health Plan.