Page 20 - Benefits-Guide-2020

Frequently
Asked Questions
If I am already enrolled will I receive new ID cards for 2020?
Members should continue to use their current ID cards in 2020, unless changing plans.
Can I elect Medical and Prescription Drug coverage separately?
No, you must elect both Medical and Prescription drug coverage together, unless you are covered by the VA
or TRICARE.
If you are currently receiving your prescription benefits through the VA
or TRICARE, you may be eligible to waive the Insurance Trust Plan’s Prescription Drug coverage. Please call the Retiree Service Center at (877) 325-7265, Option 1 for details.
What plans do you offer?
We offer Medicare plans from Anthem Blue Cross Blue Shield that come with a companion prescription drug plan from Express Scripts. In addition, we offer ancillary products, like dental, vision, and life insurance.
When should I enroll in coverage?
You can enroll as early as three months before the month in which you turn 65. Enrolling 45 to 60 days prior to your birthday month allows enough time
to set you up for coverage and for you to receive ID cards for your plan(s).
If you already turned 65 and previously selected another Medicare plan, and have never been enrolled in a plan with the Insurance Trust, you may enroll during the Annual Enrollment Period (October 15th through December 31st).
If you’re eligible for Medicare but continue to work for Delta, you should enroll before your retirement date. You must enroll no later than the month your employer group health coverage ends or within eight months of separating from your employer, whichever is sooner.
What if I already have my insurance through the Insurance Trust?
If you currently have insurance through the Insurance Trust and you want to keep your current selections, then you do not need to take any action. Your benefit choices will roll over to 2020.
20 | Insurance Trust For Delta Retirees | 2020 Benefits & Resources Guide