Find the information you need for your group retiree health care plan.

What is the difference between Original 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 coinsurance 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, but are only offered through an employer group or plan sponsor. 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. Employer groups and plan sponsors commonly offer both a Senior Supplement plan and a separate Medicare Part D prescription drug plan.

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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. Keep in mind, if you have the Group Medicare Advantage (PPO) plan, as long as your Doctor accepts Medicare, you pay the same cost share as if your Doctor was in network.

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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, navigate to the "My Plans" tab in the menu at the top of your screen and select the "Benefits and Coverage" option in the sub-navigation. The Benefits and Coverage page will provide your annual deductible and 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, navigate to the "My Plans" tab, in the menu at the top of your screen, and select the "Claims" option in the sub-navigation. 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 group-sponsored coverage at any time?

Your former employer or plan-sponsor may have specific rules that tell you when you can change or disenroll from your plan. Usually there is a defined "open enrollment" period during which those changes can occur. It's important to understand your group's rules and timing. For example, if you disenroll from your group-sponsored retiree health coverage, some groups may not allow you to re-enroll in the future. Speak with your Benefits Administrator to see what applies to you.

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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, navigate to the bottom of any page and click on the "Print temporary ID card" link. You can also navigate to the "My Plans" tab in the menu at the top of your screen and select the "Order Materials" option in the sub-navigation. The Order Plan Materials page enables you to request a replacement ID card be mailed to you.

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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Also called Medicare Part C. These plans provide your Medicare Part A (Hospital) and Part B (Medical) benefits, plus additional benefits. In most cases, Medicare Advantage plans also offer Medicare Part D prescription drug coverage. A Medicare Advantage plan can be an HMO, a PPO, a Private Fee-for-Service (PFFS) plan, or a Medicare Medical Savings Account (MSA) plan.

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North Carolina State Health Plan

Group retiree benefits for the North Carolina State Health Plan

This is not my group.


Access your benefits

Complete these steps to access your UnitedHealthcare benefits:

1. Go to www.myncretirement.com*
2. Click the ORBIT button
3. Register and/or Login to ORBIT
4. Click the 'eEnroll' link**
5. Click the 'Yes I agree to terms & conditions.' link**
6. Within Quick Links section, click 'Manage My UnitedHealthcare Account' link
**You may need to set your browser to allow pop-up windows for this to work.

*If you currently are not in receipt of a pension from the NC Retirement Systems, you will need to call UnitedHealthcare Customer Service at 1-866- 747-1014 to access your claims information.

IMPORTANT DATES

2014 Open Enrollment Period
Began: October 1, 2013
Ended: November 15, 2013

Benefits effective January 1, 2014.

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