Railroad Healthcare Benefits Information - Retirement and Supplemental Plans Information

Retirement and Supplemental Plans Information
The summary set forth below provides only general terms for informational purposes only. All benefits are subject to the terms of the applicable summary plan description.

Every employee’s situation can be unique. You must contact Customer Service at 1-800-842-5252 at least one month prior to retirement for information and questions, requests for GA-46000, and GA-23111 coverage books and COBRA FORMS. You must notify Customer Service at 1-800-842-5252 if an individual is Medicare eligible due to disability.

GA-23111 Plan A, B and C Brochure

GA-23111 Certificate of Coverage, all Plans

The GA-46000 is a Major Medical Expense Benefit Plan. It has a $100 per calendar year deductible and pays up to 80% of covered expenses.

Prescription coverage remains with Medco (co-pays $2 & $6 at retail pharmacy, $5 for a three month supply)

Lifetime limit is based on yearly Medical Cost Index. The 2011 calendar year lifetime maximum is $126,200.

Coverage will end when a covered individual becomes eligible for Medicare.

An individual may become eligible for Medicare:

Due to age, and eligibility is effective the first day of the month the individual turns 65 (MCA), OR
The individual is awarded disability Medicare (MCD).

If the employee becomes eligible for Medicare prior to 65, the dependent coverage continues until the employee is eligible for Medicare due to age.
If the dependent becomes eligible for Medicare prior to the employee’s age 65, the dependent’s GA-46000 coverage ends.
Coverage under GA-23111 Plan F is available to individuals eligible under Medicare.

Supplemental Information GA-23111, Plan E

Major Medical Expense Benefits

Maximum Amount per lifetime- $500,000

Cash Deductible per calendar year -$100

Out-of-Pocket Maximum per calendar year - $5,000

Percentage of Covered Expenses payable:

All expenses except Non-confining Mental or Nervous Disorders - 70%

Expenses for Non-confining Mental or Nervous Disorders -50%

Percentage of Covered Expenses payable after the Out-Of Pocket Maximum is reached -100%

Treatment Center Expense Benefits

Confinements in a Treatment Center:

28 days per Calendar Year

12 days per Calendar year for detoxification services

Plan E covers employee and eligible dependents until the employees becomes Medicare eligible due to age 65. Coverage will terminate for dependents but can be extended for up to 36 months through COBRA. Call 1-800-842-5252 for current COBRA rates.

Coverage for Dental and Vision terminates when employee retires, but can be extended under COBRA for 18 months. Call 1-800-842-5252 for current COBRA rates