Page 2 - Benefits-Guide-2020

Table
Of Contents
Welcome To The Insurance Trust
A Message From Your Board Of Directors ..... 3 Exclusive Options Just For You ....................... 3 Looking Out For You ........................................ 3
Enrollment
Who Is Eligible? ................................................ 4 When Can You Enroll? ...................................... 4
The 2020 Annual Enrollment Period
October 15 Through December 31, 2019 ....... 5 Already Have A Plan With Us? ......................... 5 Address, Phone, Or Email Changing? .............. 5 How To Enroll ................................................... 6 Using Our Website To Access Your Account ... 6
Medicare Plans For Delta Retirees
Medical And Prescription Drug Coverage ...... 7 Understanding Medicare Supplements
& Medicare Advantage Plans .......................... 7 Medicare Advantage Plans
(Standard and Enhanced) ................................ 8 Medicare Supplement-Type Plans .................. 9 Prescription Drug Coverage ............................10
Additional Benefits ....................................11
Advocacy For Our Delta Family
Medicare Enrollment Advocate .......................12 Personal Health Advocate ...............................13
SilverSneakers® ........................................... 14
Hearing Aid Discount Programs
Amplifon Hearing Health Care ........................15 EPIC Hearing Healthcare .................................15
Dental Plans
MetLife Dental PPO ..........................................16 Cigna Dental HMO ............................................16
Vision Insurance
EyeMed .............................................................17
Life, Auto & Home Insurance
Life Insurance ...................................................18 Auto & Home Benefit Program (MetLife) .......19
Frequently Asked Questions ..................20
Getting Help
For Questions About... Enrollment ..................24 For Questions About... Benefits .......................24 Important Contact Information .......................24
Plan Premiums
Trust Plan Administrative Fees .......................26 Premium Subsidy For Eligible Employees ......26 Help With Prescription Drug Costs .................26 Medical & Prescription Drug Plans .................27 Dental Plans .....................................................27 Vision Plans ......................................................27
Summary Of Benefits
Medical Plans ...................................................28 Prescription Drug Plan .....................................38 Dental Plans .....................................................40 Vision Plan ........................................................41 Important Information For Medicare
Advantage Plan Members ...............................42 Important Information Regarding Your Medicare Advantage Plan ...............................43
2 | Insurance Trust For Delta Retirees | 2020 Benefits & Resources Guide