AT&T – Frequently Asked Questions
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Frequently Asked Questions


Obtain answers to commonly asked questions related to Medicare, your plan, and UnitedHealthcare ®.


What is the difference between Medicare, Medicare Advantage plans, Medicare Supplement plans, and Senior Supplement plans?

Medicare Part A and Part B are usually referred to as "Original Medicare". Part A offers coverage for your hospital stays, while Part B offers coverage for doctor visits and outpatient care. You receive your benefits directly from the government. Medicare then pays fees for your care directly to the doctors and hospitals you visit.

Medicare Part C plans are usually referred to as Medicare Advantage plans. All Medicare Advantage plans are provided by private insurance companies, like UnitedHealthcare Insurance Company, and they all combine coverage for hospital stays (Medicare Part A) with coverage for doctor visits and other outpatient care (Medicare Part B) into one plan. Some plans include prescription drug coverage (Medicare Part D), plus extra benefits like vision, hearing and dental coverage. Under Medicare Part C, the Medicare Advantage plan pays the fees for your care directly to the doctors and hospitals that you visit.

Medicare Supplement plans act as a supplement to "Original Medicare" (Parts A and B). Medicare Supplement plans help to pay for some of the costs, like co-insurance and deductibles that Original Medicare does not cover. If you enroll in a Medicare Supplement plan and need prescription drug coverage, you will need to enroll in a Medicare Part D prescription drug plan also.

Senior Supplement plans also act as a supplement to Original Medicare. They may have similar benefits as the Federal Medicare Supplement plans, but may also cover state-mandated benefits. If you enroll in a Senior Supplement plan and need prescription drug coverage, you will need to enroll in a Part D prescription drug plan also.

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When enrolled in a UnitedHealthcare plan, do I have to continue paying my Medicare Part B monthly premiums?

Yes. You must be enrolled in Medicare Part A and Part B to be eligible for our retiree plans and you must continue to pay your Part B premium to the government. This is a requirement for Medicare Advantage, Medicare Part D prescription drug, Medicare supplement, and Senior Supplement plans. If you stop paying your Part B premium, you may be disenrolled from your plan.

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Is my doctor included in the UnitedHealthcare Medicare Advantage Network?

To find doctors or hospitals in our network, see the online Provider Directory. This directory is updated regularly to provide you with the current listing of network providers. If you would like help finding a network doctor or to request a written copy of the Provider Directory, please call Customer Service.

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Where can I learn more about the appeals process?

Navigate to the Find and Learn tab in the menu at the top of your screen and click on the File Appeals & Grievances option in the sub-navigation. This page provides detailed information about the appeals process.

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Where do I find out if I have met my deductible or out-of-pocket costs?

This information is accessible within the member portion of the site. Once logged in, click the "Coverage & Benefits" link in the menu at the top of your screen. This page will provide your out-of-pocket costs for your health and prescription drug plan, as applicable.

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Where can I see my latest claims information?

This information is accessible within the member portion of the site. Once logged in, click the "Claims" link in the menu at the top of your screen. The Claims page will enable you to search for medical and/or drug claims by date range and will provide an overview of each claim searched.

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Can I change my coverage at any time?

AT&T may have specific rules that tell you when you can change or disenroll from your plan. Refer to your AT&T Group Medicare Advantage (PPO) plan SPD.

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How do I know what changes there will be to my plan for the next year?

Each year that you are a member of a UnitedHealthcare Medicare Advantage or Medicare Part D Prescription Drug plan, you will receive an Annual Notice of Changes (ANOC) about six weeks before your plan's effective date. The ANOC explains any changes in coverage, costs, and benefits that will be effective for the upcoming year. You may also call the customer service number listed on the back for your member ID card with any questions.

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What do I do if I have lost my member ID card?

This information is accessible within the member portion of the site. Once logged in, click on the "View and Print Member ID Card" link on the home page.

If you are unable to find the links noted above, please call customer service using the number listed on your plan materials or the number noted for Plan Members on the Contact Us page.

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Does this impact dental, vision or CarePlus coverage?

No. Dental and Vision plans will continue to be offered in 2021 through the Exchange. CarePlus will continue to be offered by AT&T during Annual Enrollment.

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Will the AT&T Medicare Advantage Plan (AT&T MAPD) cover dental/vision?

No change to dental or vision coverage has been made at this time.

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Am I still eligible for a crediting to my HRA if I enroll in a dental plan from the Aon Retiree Health Exchange (ARHE) from Aon but enroll in the AT&T MAPD?

Yes, you are still eligible for a crediting to your HRA if you enrolled in a dental or vision plan from the AonRetiree Health Exchange.

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What will the price of the AT&T Medicare Advantage Plan be?

For plan year 2021, the premium charged for the Medicare Advantage Plan offered by AT&T is $0 for retirees who are eligible for an HRA. Retirees who are not eligible for a HRA are responsible for the full cost of coverage.

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If I sign up for the AT&T Medicare Advantage Plan, but my spouse/dependent signs up for a medical plan on the Aon Retiree Health Exchange (ARHE), will my spouse/dependent be able to receive a HRA?

Your election to enroll in the AT&T Medicare Advantage Plan for 2021 coverage will not impact your spouse/dependent’s eligibility to receive an HRA crediting.

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What if my spouse/dependent signs up for the AT&T Medicare Advantage Plan? Can I still sign up for a plan through the ARHE and receive an HRA credit for myself?

Your spouse/dependent’s election to enroll in the AT&T Medicare Advantage Plan for 2021 coverage will not impact your ability to enroll in coverage through the ARHE or eligibility to receive an HRA crediting.

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Will spouse/dependents be required to make the same plan election as the retiree?

No, your spouse/dependent is not required to sign up for the same plan as yourself. You and your spouse/dependent are each allowed to enroll in the plan option that you determine best fits your coverage needs.

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I already have an HRA with AT&T. What happens with my balance?

If you have an AT&T Health Reimbursement Account (HRA) and become eligible to enroll for benefits through the Aon Retiree Health Exchange, your AT&T HRA balance may be automatically transferred to your Medicare Exchange HRA. You will be eligible for this balance transfer if you enroll in the Medicare Exchange and are eligible to receive a Medicare Exchange HRA allocation. If you have questions about balance transfers, contact Your Spending Account at 877-722-0020. Representatives are available 7 a.m. to 7 p.m. Central time, Monday through Friday.

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Once I have enrolled, can I change my plan each year?

Based on the current provisions under the Plan, you can change plans, but there may be some important limitations you need to consider.

  • Medigap Plans – If your coverage in the AT&T group health plan is ending, you are granted a Special Enrollment Period which allows you to enroll in many Medigap plans without having to answer medical questions on the application. You are “guaranteed issue.” However, if later you wish to change to another Medigap plan, you may be subject to medical underwriting, where medical questions are asked. Because the rules can vary by carrier and state, you’ll want to talk with a Benefits Advisor to consider your options.
  • Medicare Advantage Plans – As long as you do not have End Stage Renal Disease, you can enroll in a Medicare Advantage plan or change to a different Medicare Advantage plan each year during the Open Enrollment Period without having to answer any medical questions (guaranteed issue every year).
  • Prescription Drug Plans – During your initial Special Enrollment Period, and during future Medicare Annual Open Enrollment Periods, you are allowed to enroll in any prescription drug plan without having to answer any medical questions (guaranteed issue every year).

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Is it true that I could lose my guaranteed issue in the second year if I stay with my Medicare Advantage plan?

For Medigap, Medicare Advantage and prescription drug plans, as long as you continue to pay your premiums on time, you will remain enrolled. The plans auto-renew. The only exception would be if the carrier that issues your policy decides to leave the Medicare marketplace altogether. In that case, you will need to find a new insurance policy and will have guaranteed issue rights to enroll in all available Medicare Advantage and prescription drug plans, and most Medigap plans.

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Will I still have access to my HRA balance if I enroll in the AT&T Group Medicare Advantage Plan

Yes, you will continue to have access to your HRA balance if you enroll in the AT&T Group Medicare Advantage Plan to use toward eligible expenses. However, you will not be eligible to receive additional HRA allocations for medical while you are enrolled in the Plan.

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Last updated: 04.20.2021 at 12:01 AM CT  H2001_040821CMR