Page 21 - Benefits-Guide-2020

Frequently
Asked Questions
What if my spouse and I are both Delta retirees?
If you and your spouse are both retirees of Delta, you can enroll in coverage separately or as a dependent under your spouse’s policy. If you decide to enroll separately, you will each need to complete an online or printed enrollment form. You do not need to elect the same coverages.
What if I am a surviving spouse of a Delta retiree?
If you are a survivor of a Delta retiree and have existing coverage, be sure
to enter the Delta PPR number of the deceased Delta retiree. Please note that you will be viewed as a retiree when enrolling for coverage from
the Insurance Trust.
Can I designate an individual, or individuals, the right to access my health information?
Yes, you may authorize whomever you choose to be a designated individual. When you visit our website, you can access the HIPAA Authorization Form to fill out and submit.
What if I am eligible for a Delta subsidy?
If you are subsidy-eligible, you’ll need to contact the Retiree Service Center at (877) 325-7265, and select Option 1 to determine the amount of your subsidy.
What can I do with my Health Savings Account (HSA)?
Health Savings Accounts (HSAs)
are accounts for individuals with high-deductible health plans. Funds contributed to an HSA are not taxed, as long as they are used to pay for qualified medical expenses.
When you enroll in Medicare Part A
or Part B, you can no longer contribute pre-tax dollars to your HSA. However, you may continue to withdraw money after you enroll in Medicare to pay
for health costs like deductibles, copayments, and coinsurance. You can even use your HSA money to pay premiums for health insurance you purchase through the Insurance Trust.
The Insurance Trust cannot provide tax advice. Members are encouraged to consult their tax advisor.
Insurance Trust For Delta Retirees | 2020 Benefits & Resources Guide | 21