health insurance resource guide · private marketplace. (see pages 11-21 as a starting point to...
TRANSCRIPT
Health Insurance Resource Guide
What’s Inside
About This Resource Guide ................................................................................. 1
Finding the Right Medical Coverage for You ............................... 2
Understanding the Basics ...................................................................................... 3
Decide Which Type of Plan Is Right for You ................................. 5
Research Your Medical Plan Options ..................................................... 7
Enroll ................................................................................................................................................ 8
Researching a Dental Plan .................................................................................... 9
Brokers ....................................................................................................................................... 10
Medical Contact Information by State ................................................ 11
Important Legal Information .......................................................................... 22
1
About This Resource Guide To help you explore potentially more cost-effective medical and/or dental plans, this Health Insurance Resource Guide provides a good starting point, including:
• Basic health care terminology;
• An overview of the difference between the public Health Insurance Marketplace and private insurers;
• Contact information for the public Health Insurance Marketplace (either federally- or state-facilitated) in your state—you can enroll in a plan directly either online or by phone;
• Contact information for a sampling of the insurance carriers that provide private plans available for purchase* in your state—you can enroll in a plan directly through the carrier of your choice online or by phone;
• Information about how to shop for a dental plan and a list of dental plan options.
* Please note that the enclosed provider list may change and is not all-inclusive, nor is it an
endorsement of particular carriers.
A couple of examples of brokers are provided in this guide (see page 10). You may wish to contact a broker if you need further assistance in researching the plans and pricing available in your area. Please keep in mind that individual brokers are not employed by or agents of 3M and 3M does not endorse or recommend and is not responsible for any advice, actions, views, opinions or statements of the brokers.
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Finding the Right Medical Coverage for You There are three main steps to help you find the right coverage:
Understand the basics
• What is the 3M non-Medicare Health Reimbursement Arrangement (HRA)? (See page 3 for more details.)
• Am I eligible to receive the Premium Tax Credit (or “subsidy”) and what are the advantages of receiving that subsidy? (See page 3 for more details.)
• How do the public and private Health Insurance Marketplaces work? (See page 4 for more details.)
Research your medical plan options
• Compare prices, plan coverage, providers and other features for the following two options:
– Public Health Insurance Marketplace (or “exchange”) plan options in your state (see overview on page 4).
– Individual plan through a private insurer in your state (see overview on page 4).
• Review the plans that are available in your state either through the public or private marketplace. (See pages 11-21 as a starting point to research qualified health plans.)
Enroll by the 15th of the month prior to your desired effective date
Public Exchange Private insurance
Call or enroll online through the Exchange
Call or enroll online through private plan or broker
If eligible and paying with Premium Tax Credit:
Call 3M FIRST Line Center to defer your HRA
3
Understanding the Basics Use your 3M non-Medicare HRA to help pay your post-tax medical and/or dental premium
• The 3M non-Medicare HRA can be used to help pay your post-tax premiums for a medical plan in the public Health Insurance Marketplace or through a private insurer. Effective Jan. 1, 2016, it can also be used to pay your post-tax dental plan premium.
Find out if you qualify for a premium tax credit Some people may qualify for a premium tax credit to help pay their premium or out-of-pocket costs.
To find out if you qualify, you will need to visit the exchange site for your state. See the contact information by state beginning on page 11. You will need to provide financial and other information, so make sure you have the following information:
• W-2 forms
• Pay stubs or tax returns
• Social Security Numbers for all those applying for coverage
• Policy numbers for any current health coverage you and all members of your household may have
• Employer information Note: You may only receive the premium tax credit if you enroll in a plan through the public Health Insurance Marketplace.
If you take advantage of a premium tax credit If you are eligible for a premium tax credit and choose to receive the credit by enrolling in a public Health Insurance Marketplace Plan:
• You are not allowed to use your 3M HRA credits to help pay your medical or dental premiums, because the government doesn’t allow individuals who receive the premium tax credit to also participate in an HRA.
• Notify 3M FIRST Line Center of your decision, otherwise you may have tax implications. Call (888) 611-5500 (toll free). You may save the credits in your HRA account for future use (such as when you become Medicare eligible).
4
What is the public Health Insurance Marketplace? Your state Health Insurance Marketplace is a one-stop shop that allows you and your family to compare health insurance plan prices, quality and benefits, select the plan that’s best for your needs, and enroll in it.
The public Health Insurance Marketplaces are available in each state and are operated by the state, by the federal government or through a partnership between the state and federal government. The health plans in the marketplace are offered by private health insurance companies and must cover certain services as directed by your state and the federal government.
How does the public Health Insurance Marketplace work? You will be able to enroll online or speak with a representative to help you find a health insurance plan that meets your needs. Each state’s Health Insurance Marketplace will offer a range of plan choices, and each will provide its own set of benefits and have its own cost. But all the plans available through the public Health Insurance Marketplace will have some benefits in common:
• Preventive care services, like routine check-ups and well-baby care visits, will be covered at 100%—you pay nothing.
• No lifetime dollar maximums, or dollar caps, on essential health benefits. Those include hospitalization, outpatient services, maternity care, prescription drugs, emergency care and preventive services.
• Limits on how much an individual pays out-of-pocket (such as a copay, coinsurance or annual deductible) in any given year.
How do the public and private marketplaces compare? Here are some important facts to know:
Public exchange
Individual plans in the private marketplace
Insurers Offered through the federal government, the state or a partnership between the two
Offered by insurance companies, benefits brokerages and various other organizations
Premium Tax Credit
Premium tax credit available depending on household income
No premium tax credit available
5
Decide Which Type of Plan Is Right for You Levels of coverage When you choose health coverage, you have a choice to spend more up front and pay less when you receive care, or you can spend less up front and pay more when you receive care. The public Health Insurance Marketplace classifies plans according to how much they cost and how much they cover. The levels of coverage are broken down into tiers:
Tier Percentage of health care costs covered
Potential premiums
Potential out-of-pocket costs
Lower Higher
Silver 70%
Platinum 90%
Higher Lower
Key terms to know Annual Deductible—The annual deductible is an amount you pay out-of-pocket each year towards the cost of certain covered care before your plan begins to pay coinsurance.
Coinsurance—The percentage you pay for covered health care services and prescription drug costs after you’ve satisfied the annual deductible, if applicable. The percentage varies by health insurance plan.
Copayment—A fixed dollar amount that you pay for certain services at the time of service.
Drug Formulary—This is a list of prescription drugs, both generic and brand name, used by practitioners to identify drugs that offer the greatest overall value.
Out-of-Pocket Costs—These are your expenses for medical care that are not reimbursed by your health plan. They include annual deductibles, coinsurance and copayments for covered services, plus all costs for services that are not covered.
Out-of-Pocket Maximum—The out-of-pocket maximum is the most you pay during the calendar year before your health plan begins to pay 100%. This generally includes copayments, annual deductibles and coinsurance payments. This limit never includes your premium, balance-billed charges from health care providers, or health care your health plan doesn’t cover.
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Through the public Health Insurance Marketplace or a private insurer, you will be able to select the right type of plan. You can choose from a number of plans, including:
• HMOs (health maintenance organizations) and EPOs (exclusive provider organizations): In these types
• of plans, you pick one primary care physician. You need a referral before you can see any other health care professional (except in an emergency), and visits to health care professionals outside of your network typically aren’t covered by your insurance.
• PPOs (preferred-provider organizations): In a PPO plan, you don’t need a primary care physician or a referral to see other health care professionals. You’ll pay lower costs when you stay in the plan network.
• POSs (point-of-service plans): POS plans combine the features of an HMO and a PPO. Like an HMO plan, you may be required to designate a primary care physician who provides referrals to specialists when needed. Like a PPO plan, you’ll pay lower costs when you stay in the plan network.
• HDHPs (high-deductible health plans): HDHP premiums are lower than premiums in other types of plans in exchange for the responsibility of paying higher costs out of your pocket (up to a maximum limit) when you receive care. HDHPs also provide the opportunity to contribute pre-tax dollars to a Health Savings Account (HSA).
Learn more about the plans available. Option 1: Explore the public Health Insurance Marketplace (or exchange) by state.
Option 2: Explore individual plans offered through private insurers by state.
Premium tax credit
When purchasing health coverage in your state marketplace, you may be eligible for a premium tax credit based on your household income and family size. These thresholds will
be adjusted over time to keep pace with inflation. The threshold is slightly higher in Alaska and Hawaii, where cost of living is higher.
Two types of subsidies are available: A premium assistance tax credit and cost-sharing assistance may also be available. In addition, if your income falls below certain levels, you may qualify for Medicaid, or your children may be eligible for the Children’s Health Insurance Program (CHIP). You can find out if you qualify for any of these programs when you fill out your state’s Health Insurance Marketplace application.
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Research Your Medical Plan Options Understand your coverage options You and your eligible non-Medicare dependent(s) may enroll in one of the following options:
• A health care plan through the public Health Insurance Marketplace (also known as the “exchange”); or
• A health care plan through a private insurer, which could include your spouse's plan or another employer's plan if you become employed somewhere else.
If you wish to research your options in the public Health Insurance Marketplace and/or through a private insurer, consider the following:
What level of coverage do you need? You have a choice to spend more up front and pay less when you receive care, or you can spend less up front and pay more when you receive care. See more details beginning on page 5.
What type of plan is best for you? See page 6 for definitions of the different types of plans.
Which network(s) does/do your provider(s) participate in?
How are prescription drugs covered? Are your drugs on the formulary? (See page 4 for definition.)
What are the premiums for the type of plan you’ve selected? Your answers to the above questions will determine how much you’ll pay for coverage.
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Enroll Enroll in a plan The third step is to enroll in the plan of your choice.
If you choose a public Health Insurance Marketplace plan:
• Watch for new ID cards from your new medical plan administrator.
• If you have questions about your coverage or your new plan, contact your new plan administrator directly.
If you choose an individual plan offered through a private insurer:
• Watch for new ID cards from your new plan administrator.
• If you have questions about your coverage or your new plan, contact your new plan administrator directly.
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Researching a Dental Plan Helpful information as you shop for a dental plan Here are some things to consider as you explore your dental plan choices.
□ Check to see if your health plan offers dental coverage. Dental coverage is offered as part of some health plans, but not all of them—so review your health plan carefully to see if dental is covered.
□ Understand that plans and carriers differ by state. The local markets and regulatory requirements drive the products available in each state.
□ Review each plan’s provider network . Most independent dental insurance plans will only pay for your dental services if you go to a contracted and participating in-network dentist. Find out if you are required to go to a participating dentist or if you can choose your own. If the plan requires you to see an in-network dentist, ask for a list of the dentists in your area with whom they are contracted so you can decide if there is a dentist you would consider seeing. If you wish to stay with your current dentist, some policies allow you to see an out-of-network dentist, but the costs the plan covers may be significantly less.
□ Understand the yearly maximum . The yearly maximum is the most money that the dental insurance plan will pay within one full year. The yearly maximum will automatically renew every year. If you have unused benefits, these will not roll over.
□ Compare dental insurance waiting periods . A waiting period is the length of time an insurance company will make you wait after you are covered before they will pay for certain procedures.
□ Determine which plans cover which procedures . Dental procedures are typically broken down into three categories: preventive, basic or restorative and major. Since all dental insurance carriers are different, it is important to clarify which dental procedures fall under each specific category. This is important because some insurance plans don't cover major procedures and others have waiting periods for certain procedures.
1. Preventive: Most insurance companies consider routine cleanings and examinations as preventive dental care; however, X-rays, sealants and fluoride can be deemed as preventive or basic, depending upon the specific insurance carrier.
2. Basic or Restorative: Basic or restorative dental treatment usually consists of fillings and simple extractions. Root canals can be considered basic or major. However, the majority of dental plans list root canals as basic.
3. Major: Crowns, bridges, dentures, partials, surgical extractions and dental implants are dental procedures that most dental insurance companies consider major procedures.
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Dental Plan Options* • Aon Retiree Health Exchange: (888) 611-5500 (toll free)—for Medicare eligible only
• Delta Dental in your state of residence: http://www.deltadentalmn.org/3m-retirees/
• AARP: aarp.org or http://www.aarphealthcare.com/insurance/dental-insurance.html (You may be required to have an AARP membership.)
• Renaissance Dental: http://www.renaissancedental.com/
• Online broker such as eHealth: www.ehealthinsurance.com
• Individual broker
* This list is meant to serve as a starting point. It is not inclusive of all insurance carriers, nor is it an endorsement from 3M.
Brokers You may wish to contact a broker if you need further assistance in researching the plans and pricing available in your area. A couple of individual brokers are listed below. Please keep in mind that individual brokers are not employed by or agents of 3M and 3M does not endorse or recommend and is not responsible for any advice, actions, views, opinions or statements of the brokers.
Get Insured Online: www.getinsured.com Phone: (866) 602-8466 (toll free)
eHealthInsurance Online: www.ehealthinsurance.com Phone: (844) 229-4337 (toll free)
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Medical Contact Information by State
The contact information listed below may not display or provide all data on qualified health plans that are available in your state. You are encouraged to use this list as a starting point for your more comprehensive research.
State Public Health Insurance Marketplace or “Exchange”
Private Insurer
Alabama www.healthcare.gov BlueCross BlueShield of Alabama www.bcbsal.org 855-890-7416
Celtic Insurance Company www.celtic-net.com 800-779-7989
Humana Insurance www.humana.com 888-371-9538
www.bcbsal.org 855-890-7416 Celtic I
Alaska www.healthcare.gov Aetna Life Insurance www.aetna.com 800-217-2386
Premera Blue Cross Blue Shield of Alaska www.premera.com 877-773-6372
Arizona www.healthcare.gov Aetna Life Insurance www.aetna.com 800-217-2386
Blue Cross and Blue Shield of Arizona www.azblue.com 877-864-4899
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Health Net www.healthnet.com 877-527-8410
Humana Insurance www.humana.com 888-371-9538
Arkansas www.healthcare.gov Arkansas Blue Cross & Blue Shield www.healthcare.gov 800-392-2583
www.ark
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California www.coveredca.com Anthem Blue Cross www.anthem.com/ca 888-553-5423
Blue Shield of California www.blueshieldca.com 888-273-0010
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Health Net Life Insurance www.healthnet.com 877-527-8409
Colorado www.connectforhealth.com Anthem BlueCross BlueShield www.anthem.com 855-629-9665
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Humana Insurance www.humana.com 888-371-9538
Connecticut www.accesshealthct.com Aetna Life Insurance www.aetna.com 800-217-2386
Anthem BlueCross BlueShield www.anthem.com 855-629-9665
Celtic Insurance Company www.celtic-net.com 800-779-7989
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Delaware www.healthcare.gov Aetna Life Insurance www.aetna.com 800-217-2386
Highmark BCBSD www.highmarkbcbsde.com 877-959-2562
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Florida www.healthcare.gov Blue Cross and Blue Shield of Florida (Florida Blue) www.bcbsfl.com 855-714-8894
Celtic Insurance Company www.celtic-net.com 800-779-7989
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Humana Insurance www.humana.com 888-371-9538
UnitedHealthOne www.uhone.com 800-985-2870
Georgia www.healthcare.gov Aetna Life Insurance www.aetna.com 800-217-2386
Alliant Health Plans www.alliantplans.com 800-811-4793
Blue Cross Blue Shield of Georgia www.bcbsga.com 888-553-5426
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Humana Insurance www.humana.com 888-371-9538
Hawaii www.hawaiihealthconnector.com Hawaii Medical Service Association (BCBS) www.hmsa.com 800-620-4672
Idaho www.healthcare.gov Blue Cross of Idaho Health Services www.bcidaho.com
888-462-7677
Regence Blue Shield of Idaho www.regence.com 888-734-3623
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Illinois www.healthcare.gov Aetna Life Insurance www.aetna.com 800-217-2386
Blue Cross and Blue Shield of Illinois www.bcbsil.com 866-514-8044
Celtic Insurance Company www.celtic-net.com 800-779-7989
Health Alliance Medical Plans www.healthalliance.org 888-382-9771
Humana Insurance www.humana.com 888-371-9538
Indiana www.healthcare.gov Anthem Blue Cross and Blue Shield in Indiana www.anthem.com 888-556-9101
Humana Insurance www.humana.com 888-371-9538
Iowa www.healthcare.gov Wellmark Blue Cross and Blue Shield www.wellmark.com 800-978-3221
CoOportunity Health www.cooportunityhealth.com 866-217-6111
Kansas www.healthcare.gov Blue Cross and Blue Shield of Kansas City www.bcbsks.com 800-438-1565
Celtic Insurance Company www.celtic-net.com 800-779-7989
Humana Insurance www.humana.com 888-371-9538
Kentucky www.kynect.ky.gov Anthem Blue Cross and Blue Shield in Kentucky www.anthem.com 888-556-9135
Humana Insurance www.humana.com 888-371-9538
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Louisiana www.healthcare.gov Blue Cross Blue Shield of Louisiana www.bcbsla.com 855-343-0361
Humana Insurance www.humana.com 888-371-9538
Maine www.healthcare.gov Anthem Blue Cross and Blue Shield www.anthem.com 888-557-8435
Maine Community Health Options www.maineoptions.com 855-624-6463
Maryland www.marylandhealthconnection. gov
CareFirst of Maryland (BCBS) https://member.carefirst.com 888-432-4380
Massachusetts www.mahealthconnector.org Blue Cross and Blue Shield of Massachusetts www.bluecrossma.com 800-422-3545
Harvard Pilgrim Health Care www.harvardpilgrim.org 800-848-9995
Michigan www.healthcare.gov Alliance Health and Life www.hap.org 855-948-4427
Blue Cross Blue Shield of Michigan www.bcbsm.com 855-237-3501
HealthPlus www.healthplus.com 877-562-0907
Humana Insurance www.humana.com 888-371-9538
Priority Health Insurance www.priorityhealth.com 888-830-3443
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Minnesota www.mnsure.org Blue Cross Blue Shield of Minnesota www.bluecrossmn.com 800-262-0823
HealthPartners www.healthpartners.com 877-838-4949
Medica Insurance Company www.medica.com 800-670-5935
PreferredOne www.preferredone.com 800-997-1750
Mississippi www.healthcare.gov Blue Cross & Blue Shield of Mississippi www.bcbsmi.com 800-635-0879
Humana Insurance www.humana.com 888-371-9538
Missouri www.healthcare.gov Anthem Blue Cross and Blue Shield in Missouri www.anthem.com 888-556-9097
Blue Cross and Blue Shield of Kansas City www.bcbskc.com 800-875-3596
Humana Insurance www.humana.com 888-371-9538
Montana www.healthcare.gov Blue Cross and Blue Shield of Montana www.bcbsmt.com 800-438-2268
PacificSource Health Plans www.pacificsource.com 866-695-8684
Nebraska www.healthcare.gov CoOportunity Health www.cooportunityhealth.com 866-217-6111
Blue Cross and Blue Shield of Nebraska www.nebraskablue.com 888-233-8143
Nevada www.nevadahealthlink.com Anthem Blue Cross and Blue Shield www.anthem.com 888-556-9095
Humana Insurance www.humana.com 888-371-9538
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New Hampshire www.healthcare.gov Anthem Blue Cross and Blue Shield www.anthem.com 888-557-8432
Celtic Insurance Company www.celtic-net.com 800-779-7989
New Jersey www.healthcare.gov Aetna Life Insurance www.aetna.com 800-234-8454
Horizon Blue Cross Blue Shield of New Jersey www.horizonblue.com 888-765-7786
New Mexico www.bewellnm.com; www.healthcare.gov
Blue Cross and Blue Shield of New Mexico www.bcbsnm.com 888-809-1135
New Mexico Health Connections www.mynmhc.org 800-769-6642
New York www.nystateofhealth.ny.gov Aetna Life Insurance www.aetna.com 800-234-8454
BlueCross BlueShield of Western New York www.bcbswny.com 855-826-6996
BlueShield of Northeastern New York www.bsneny.com 855-826-6996
Empire BlueCross BlueShield www.empireblue.com 888-553-5429
Excellus BlueCross BlueShield www.excellusbcbs.com 888-679-7105
North Carolina www.healthcare.gov Blue Cross Blue Shield of North Carolina www.bcbsnc.com 800-894-2880
Celtic Insurance Company www.celtic-net.com 800-779-7989
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Humana Insurance www.humana.com / 888-371-9538
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North Dakota www.healthcare.gov Blue Cross Blue Shield of North Dakota www.bcbsnd.com 800-342-4718
Medica Insurance Company www.medica.com 800-670-5935
Sanford Health Plan www.sanfordhealthplan.org 800-752-5863
Ohio www.healthcare.gov Anthem Blue Cross and Blue Shield in Ohio www.anthem.com 888-556-9099
Humana Insurance www.humana.com 888-371-9538
Oklahoma www.healthcare.gov BlueCross BlueShield of Oklahoma www.bcbsok.com 866-793-8111
Celtic Insurance Company www.celtic-net.com 800-779-7989
Humana Insurance www.humana.com 888-371-9538
Oregon www.coveroregon.com Health Net of Oregon www.healthnet.com 888-926-4927
LifeWise Health Plan of Oregon www.lifewiseor.com 877-203-5851
PacificSource Health Plans—Oregon www.pacificsource.com 866-695-8684
Regence BlueCross BlueShield of Oregon www.regence.com 888-675-6570
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Pennsylvania www.healthcare.gov Aetna Life Insurance www.aetna.com 800-217-2386
Blue Cross of Northeastern Pennsylvania www.bcnepa.com 888-728-3840
Capital BlueCross www.capbluecross.com 800-451-1181
Highmark Blue Shield www.highmarkblueshield.com Central PA – 877-959-2553 Western PA – 877-959-2563
Independence Blue Cross www.ibx.com 888-475-6206
Puerto Rico Not applicable Humana Health Insurance of Puerto Rico 866-836-6162
Triple-S (Puerto Rico) 787-792-2226
Rhode Island www.healthsourceri.com Blue Cross & Blue Shield of Rhode Island www.bcbsri.com 855-690-2583
Tufts Health Plan www.tuftshealthplan.com 800-957-6596
UnitedHealthcare Insurance www.uhc.com 800-985-2870
South Carolina www.healthcare.gov BlueCross BlueShield of South Carolina www.southcarolinablues.com 877-313-2583
Celtic Insurance Company www.celtic-net.com 800-779-7989
Cigna Health and Life Insurance www.cigna.com 877-683-2268
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South Dakota www.healthcare.gov Avera Health Plans www.averahealthplans.com 605-322-7384
Sanford Health Plan www.sanfordhealthplan.org 800-752-5863
Wellmark Blue Cross and Blue Shield of South Dakota www.wellmark.com 800-978-3225
Tennessee www.healthcare.gov Aetna Life Insurance www.aetna.com 800-217-2386
BlueCross BlueShield of Tennessee www.bcbst.com 888-995-7786
Celtic Insurance Company www.celtic-net.com 800-779-7989
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Humana Insurance www.humana.com 888-371-9538
Texas www.healthcare.gov Aetna Life Insurance www.aetna.com 800-217-2386
Blue Cross and Blue Shield of Texas www.bcbstx.com 800-531-4456
Celtic Insurance Company www.celtic-net.com 800-779-7989
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Humana Insurance www.humana.com 888-371-9538
Utah www.healthcare.gov Humana Insurance www.humana.com 888-371-9538
Regence BlueCross BlueShield of Utah www.regence.com 888-734-3623
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List current as of Oct. 1, 2014. Please note that coverage and carrier options vary by county. Not all private carriers may be offered in your county.
Vermont www.VermontHealthConnect. gov
Blue Cross and Blue Shield of Vermont www.bcbsvt.com 800-247-2583
Virginia www.healthcare.gov Anthem Blue Cross and Blue Shield in Virginia www.anthem.com 888-561-7976
CareFirst BlueCross BlueShield https://member.carefirst.com 888-432-4380
Humana Insurance www.humana.com 888-371-9538
Optima Health Insurance www.optimahealth.com 800-745-1271
Washington www.wahealthplanfinder.org LifeWise Health Plan of Washington www.lifewisewa.com 888-304-0693
Premera Blue Cross www.premera.com 877-773-6372
West Virginia www.healthcare.gov Highmark West Virginia www.highmarkbcbswv.com 877-959-2562
Wisconsin www.healthcare.gov Anthem Blue Cross and Blue Shield in Wisconsin www.anthem.com 888-556-9098
Celtic Insurance Company www.celtic-net.com 800-779-7989
Dean Health Plan, Inc. www.deancare.com 800-279-1301
Humana Insurance www.humana.com 888-371-9538
Medica Insurance Company www.medica.com 800-670-5935
Wyoming www.healthcare.gov Blue Cross Blue Shield of Wyoming www.bcbswy.com 800-851-2227
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Important Legal Information This document is intended to provide general information and is not intended to provide specific advice to individuals. This document should not be construed and is not intended to provide advice about the Health Insurance Marketplace, dental options in the private insurance marketplace, Medicare and your health care choices. You should consult with your own advisor for guidance specific to your own situation.
3M does not endorse or recommend any particular insurance plan. Individuals are encouraged to investigate individual insurance plans themselves and make their own informed decision about which individual insurance plan is best for them. The insurance plan that individuals select is their own individual plan and is not sponsored or maintained by 3M and is not part of any plan or program established or maintained by 3M.
This document is not the official plan document for the plan, and in the event of any conflict, inconsistency or ambiguity between this information and the official plan documents, the terms of the official plan document will control. 3M reserves the right to modify, amend or terminate the benefit plan, in whole or in part, at any time.
Neither receipt of this document nor its use of the term “you” indicate eligibility for 3M benefit plans. Only those individuals who satisfy the eligibility requirements and other criteria contained in the official plan document are eligible to participate in a 3M benefit plan.
This document is prepared for U.S. non-Medicare eligible active employees considering retirement.
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