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Group Retiree Health Insurance for the Retirees of the County of FresnoJill M. Cooke, CEBSRegional Sales Director – Western RegionOctober 29, 2010
October 2010 County of Fresno2
Agenda
• Why The Hartford?
• Group Retiree Health
– What is it?
– How does it work?
• The County of Fresno Group Retiree Health Plan with The Harford
• How do I get enrolled?
• Questions
October 2010 County of Fresno3
Group Retiree Health
Why The Hartford?
• Solutions. We listen and work with employers to provide their retirees with necessary solutions.
• Flexibility. We recognize that there’s no such thing as a one-size-fits-all approach.
• Experience. Over 60 years of group benefits experience and over 20 years in group retiree health - a proven track record of success.
• Integrity. We honor our commitments.
October 2010 County of Fresno4
Group Retiree HealthWhy The Hartford?
• A leader in Group Retiree Health for more than 25 years
• 2010 Customer Survey Rating of 90% or more:
– Company you can trust
– Responsive to needs of our customers
– Easy to do business with
• In-force $128,000,000 in insured premium (cases 2 to thousands)
• Tailored plans to meet employers’ needs
– Flexible administration
– Countrywide availability – no networks
– Claims and enrollment support
– Network of Third-Party Administrators (TPAs)
*2010 GRH Customer Assessment Survey, conducted by Zeldis Research Associates. Results shared are based on 46 employer interviews completed between April 29 – June 10, 2010.
October 2010 County of Fresno5
Group Retiree Health
What is it?
• It’s an employer sponsored retiree medical plan for retirees and their spouses of the County of Fresno that are eligible for Medicare benefits. A fully insured indemnity plan that works with original Medicare. The plans include:
– NO networks
– NO co-payments
– NO deductibles
– NO referral required to see a specialist
– NO worries when seeking emergency care
– Guarantee issue for both you and your spouse
– Seek coverage from any doctor that accepts Medicare patients
– Countrywide coverage
October 2010 County of Fresno6
Group Retiree Health (cont)
– Retiree focused
– Specially trained staff in senior issues
– Plan is sponsored by the County of Fresno
* Customized for YOU by the County to best meet your health and
financial needs
* Only available to you as a retiree of the County and for your
spouse and not available on an individual basis
October 2010 County of Fresno7
Group Retiree Health
How Does it Work?
– Integrates with Medicare…supplements Medicare Parts A and B
– Secondary to Medicare – no need to ask you doctor if they take Hartford
– Fills the “gaps” in Medicare : Pays Part A and B deductibles and co-pays
– Paperless/electronic claims processed by your provider
The County of Fresno Hartford’s Group Retiree Health Plan
October 2010 County of Fresno9
Group Retiree Health – Summary of Coverage1
October 2010 County of Fresno10
Group Retiree Health – Summary of Coverage1
October 2010 County of Fresno11
Group Retiree Health – Summary of Coverage1
October 2010 County of Fresno12
How do I get Enrolled?
October 2010 County of Fresno13
Group Retiree Health
How do I get Enrolled?
• If you are currently enrolled in the County’s sponsored private fee service plan through Anthem, you have been auto enrolled into The Hartford’s Group Retiree Insurance Plan effective January 1, 2011. You do not need to complete an enrollment form.
• If you would like to enroll for the first time into The Hartford’s Group Retiree Insurance Plan, you simply need to complete the enrollment form found in your packet of information that you received from the County. The completed enrollment form is due back to the County by November 10, 2010.
October 2010 County of Fresno14
Questions
October 2010 County of Fresno15
Group Retiree Health
Questions
• How to contact us:
- Representatives from Hartford are here today: Karolyn Schillinger and
Jill Cooke to answer your questions
- Plan Administrator – Benistar at 1-800-236-4782
3696 NS 02/10 ©2010 The Hartford, Hartford, CT 06115
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
Insurance. Investments. Retirement.
Insurance. Investments. Retirement.
October 2010 County of Fresno17
3668 NS 02/10
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. This presentation explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Benefits are subject to state availability.
