1. B ENEFITS O VERVIEW FOR E MPLOYEES P LANNING TO R ETIRE Employee Health & Benefits 114 State House Station Augusta ME 04333-0114 (207)624-7380 or 1-800-422-4503 TTY users dial Maine Relay 711 www.maine.gov/deh Rev 06/14/2016

2. Y OUR C URRENT B ENEFIT P ROGRAMS Health Insurance Wellness Dental Insurance Vision Insurance MaineSaves 457b Long-Term Care Insurance Flexible Spending Accounts Living Resources Program 2

3. H EALTH I NSURANCE Health Plans Eligibility Premium Cost Retiree Dependents Medicare Coordination of Benefits Turning 65 after retirem ent 3

4. H EALTH I NSURANCE : H EALTH P LANS Does Not Qualify for Medicare Point of Service Plan Qualify for Medicare Medicare Advantage Plan 4

5. H EALTH I NSURANCE : E LIGIBILITY One – You must be enrolled as an employee in the health plan one full year (12 consecutive months) immediately prior to retirement. Two – Retire *If not retiring but terminating after 25 years or more of credible employment, you may opt to waive or pay for the insurance until you retire. 5

6. H EALTH I NSURANCE : P REMIUMS FOR THE R ETIREE O NLY The individual premium is determined by: 1. Date first hired by the State of Maine a) On or before 7/1/1991 b) After 7/1/1991 but before 7/1/2011 c) On or after 7/1/2011 2. Age at retirement (normal retirement age “NRA”?)* 3. Years of participation in the health plan Above will determine how much the State will contribute to your own individual health insurance premium in retirement. *NRA not required if retiring under a “special” or disability retirement plan 6 Eligibility requirements must be satisfied

7. H EALTH I NSURANCE : R ETIREE P REMIUM If you were first hired on or before 7/1/1991 and you are at least at your normal retirement age*, the individual premium is paid 100% by the State of Maine OR… you are younger that your normal retirement age, the individual premium is paid 100% by you, the retiree, until you reach normal retirement age. Remember, with 25 years of credible service you can put your health insurance “on hold” until you reach normal retirement age. *NRA requirement does not apply to “special” or disability retirees. Eligibility requirements must be satisfied 7

8. H EALTH I NSURANCE : R ETIREE P REMIUM You were first hired after 7/1/1991 but before 7/1/2011 and you are at least normal retirement age* State contribution is prorated based on years of participation in the health plan: *You will be responsible for 100% of your retiree premium if you are younger that your normal retirement age at retirement unless retiring under a “special” or disability retirement plan. Eligibility requirements must be satisfied Participation in the Health Plan State Paid Premium Contribution Less than 5 years0% 5 years but less than 650% 6 years but less than 760% 7 years but less than 870% 8 years but less than 980% 9 years but less than 1090% 10 years or more100% 8

9. H EALTH I NSURANCE : R ETIREE P REMIUM You were first hired on or after 7/1/2011 and you are at least normal retirement age* State contribution is prorated based on years of participation in the health plan: *You will be responsible for 100% of your retiree premium if you are younger than your normal retirement age at retirement unless retiring under a “special” or disability retirement plan. Eligibility requirements must be satisfied Participation in the Health Plan State Paid Premium Contribution Less than 10 years0% 10 years but less than 1550% 15 years but less than 2075% 20 years or more100% 9

10. H EALTH I NSURANCE : P REMIUMS FOR D EPENDENTS Once retired, the State does not contribute towards the premium for your spouse or dependent children. For example: $868.24/month (Spouse not on Medicare) $286.31/month (Medicare Advantage - Spouse) 10 Eligibility requirements must be satisfied

11. H EALTH I NSURANCE P REMIUMS Health insurance premiums are collected by: Withdrawal from monthly MainePERS pension check or Direct bill 11

12. M EDICARE B ENEFITS Medicare part A – pays for hospitalizations. Part A is free for most. Medicare part B – pays for doctor visits, diagnostic testing, etc. Part B is at your own expense. Parts A & B are also known as “Original Medicare” Medicare part D – Do not purchase. The State of Maine Medicare Advantage plan contains a Medicare D component. You are not allowed to carry two Medicare D plans. Once you terminate or retire, you must apply for Medicare if you qualify for premium-free Part A 12

13. Q UALIFYING FOR M EDICARE Age 65 or older Disabled (by the Social Security Administration) End-stage renal disease (“ESRD”) Premium-Free Part A Your own earnings history, former/current spouse, parent or child Required specified number of quarters of coverage Number of quarters depends on qualification reason (age, disabled or ESRD) www.cms.gov 13

14. M EDICARE P LAN FOR R ETIREES : M EDICARE A DVANTAGE PPO P LAN Continued enrollment in Medicare A & B required. You will only need to show your Aetna card; your Medicare card will be kept but not used. The Medicare Advantage plan has an annual deductible of $250. 14

15. T URNING 65 A FTER R ETIREMENT ? Employee Health and Benefits will be contacting you prior to your 65 th birthday Medicare Eligibility (Premium-free Medicare Part A) Yes – enroll in Original Medicare Parts A & B Complete Medicare Advantage application No – provide Employee Health with a copy of your ineligibility letter from Social Security Spouse’s birthday Two separate plans possible Medicare Advantage & Point of Service 15

16. C OORDINATION OF B ENEFITS You may be eligible for other health insurance plans Tri Care (for example) Under 65: Aetna POS plan is primary 65+ : Medicare is primary, Aetna Medicare Advantage second & Tri Care third www.tricare.mil for more information www.tricare.mil Important to maintain the appropriate level of coverage 16

17. W ELLNESS P ROGRAMS Aetna POS Plan Global Fit – Fitness discount program Weight Management discount program Aetna Medicare Advantage Plan Silver Sneakers Aetna Healthy Lifestyle Coaching program State of Maine On-Site Gyms East Side (Augusta) & Bangor Wellness Centers 17

18. D ENTAL I NSURANCE Dental is not a benefit of retirement Federal COBRA Law Coverage for up to 18 months Combined Services, Inc. - COBRA administrator Other group policies MSEA Maine Association of Retirees You may also purchase as an individual policy directly through the insurance carriers 18

19. D ENTAL I NSURANCE : M ONTHLY COBRA R ATES One person $26.78 Two people $47.88 Family $91.62 The retiree does not need to enroll in order to cover family member(s). 19

20. B LUE V IEW V ISION Current participants - it follows you into retirement Same coverage as active employee plan You will be directly billed by Anthem Blue View Vision (premiums are not withheld from MainePERS pension) Not a member? You can enroll during open enrollment as a retiree. You will notified by Anthem. 20

21. B LUE V IEW V ISION Quarterly Retiree Rates Retiree only $15.75 Retiree + 1 dependent $25.29 Family rate $41.01 *Directly billed by Anthem as premiums cannot be withheld from your pension 21

22. “COBRA” Consolidated Omnibus Reconciliation Act of 1985 Federal requirement to extend current coverage for a limited time Health Insurance Dental Insurance Vision Insurance Administered by Combined Services, Inc. 22

23. COBRA – W HAT TO E XPECT You will receive COBRA Election Notice A letter from Employee Health & Benefits COBRA Program Administrator: Combined Services, LLC Daphne Paige 1-888-227-9745 ext. 2023 23

24. M AINE S AVES 457 B P LAN Vacation pay deferral option Plan ahead! Work with your local representative; many distribution options available If you’re not enrolled, it’s never too late to start saving Update your beneficiary information www.MaineSaves457.com 24

25. M AINE S AVES ( CONTINUED ) There is no age 59 ½ penalty on the State’s 457b plan You must start taking a required minimum distribution at age 70 ½ (if you are no longer working for the State of Maine) 25

26. L ONG -T ERM C ARE I NSURANCE For current participants only: Follows you into retirement Direct bills for premiums will continue Prudential Aetna (Membership is closed to new enrollees) 26

27. F LEXIBLE S PENDING A CCOUNTS Current participants Positive account balance=COBRA will be offered* Negative account balance=account is closed *Navia Benefit Solutions will provide COBRA administration Call 1-800-669-3539 for more information This is not a benefit in retirement 27

28. L IVING R ESOURCES P ROGRAM Continues as a no cost benefit to retirees and members of their household Up to 5 confidential counseling visits offered per year Legal & financial discount programs available 1-800-207-LINK (5465) www.GuidanceResources.com 28

29. S TILL H AVE Q UESTIONS ? Employee Health & Benefits www.maine.gov/deh 1-800-422-4503 (207) 624-7380 TTY users dial Maine Relay 711 29