{"id":216,"date":"2024-06-05T02:31:21","date_gmt":"2024-06-05T02:31:21","guid":{"rendered":"https:\/\/mdlzbmr.com\/pre65retiree\/?page_id=216"},"modified":"2026-03-04T20:12:02","modified_gmt":"2026-03-04T20:12:02","slug":"medical","status":"publish","type":"page","link":"https:\/\/mdlzbmr.com\/pre65retiree\/medical\/","title":{"rendered":"Medical"},"content":{"rendered":"\n\n\t\t<h2>Medical<\/h2>\t\n<h2>\n\t\t\tcomprehensive coverage for certain services-including in-network preventive care covered at 100%\t<\/h2>\n\t<p>The Mondel\u0113z Global Pre-65 Retiree and Long-Term Disability Medical Plan (the Pre-65 Plan) offers coverage options and carrier options:<\/p>\n<ul>\n<li><strong>Three coverage options<\/strong>\u00a0(see\u00a0<a href=\"https:\/\/businessolver.foleon.com\/mondelez\/pre65-retiree-medical-coverage-options\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">side-by-side comparison<\/a>).<\/li>\n<li><strong>Up to three carrier options<\/strong>, depending on which carriers are available in your area. Carriers may include Aetna, Blue Cross and Blue Shield of Illinois (BCBS), and Cigna. Some carriers aren&#8217;t available in all areas.<\/li>\n<\/ul>\n<p>Log in to your <a href=\"http:\/\/www.mdlzmybenefitsonline.com\/\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a> account to see your current coverage elections (if you&#8217;re currently enrolled), and for additional coverage and carrier-related details.<\/p>\n<p>Note that all medical coverage options include prescription drug coverage through retail and mail order programs. <a href=\"https:\/\/mdlzbmr.com\/pre65retiree\/prescription-drugs\/\">Prescription drug coverage<\/a>\u00a0is through CVS Caremark.<\/p>\n\t<style>#sp-ea-242 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-242.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-242.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-242.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-242.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-242.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1717556637\"><div id=\"sp-ea-242\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-2420\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2420\" aria-controls=\"collapse2420\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Key Features<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse2420\" role=\"region\" aria-labelledby=\"ea-header-2420\"> <div class=\"ea-body\"><p>The $750, $2,250, and $3,500 Deductible options have key features.<\/p><h4 class=\"blue-text\">How the coverage options are the same<\/h4><ul><li><span class=\"blue-text\"><strong>Covered services:<\/strong><\/span>\u00a0All three coverage options provide comprehensive coverage for the same medical services, such as doctor office visits and hospital stays.<\/li><li><span class=\"blue-text\"><strong>Carrier options:<\/strong><\/span> Same carriers are available under all three coverage options, all with high-quality provider networks.<\/li><li><span class=\"blue-text\"><strong>Preventive care coverage:<\/strong><\/span>\u00a0In-network preventive care is covered at 100% (e.g., annual physical, mammogram, well-child care).<\/li><li><span class=\"blue-text\"><strong>Medical coinsurance amount:<\/strong><\/span>\u00a0After reaching the deductible, you pay 20% coinsurance for most covered services until reaching the out-of-pocket maximum (then you pay nothing).<\/li><li><span class=\"blue-text\"><strong>Prescription drug coinsurance\/copay amounts (retail pharmacy): <\/strong><\/span>For a 30-day supply, pay a maximum of $15 for Generic, 30% coinsurance for Preferred Brand ($35 min\/$85 max) and 40% coinsurance for Non-Preferred Brand ($60 min\/$110 max). Under all three coverage options, you must satisfy the deductible first before these cost-sharing amounts apply. Out-of-network prescription drug services aren\u2019t covered under any of the coverage options.<\/li><\/ul><h4 class=\"blue-text\">How they are different<\/h4><p>Here's a quick comparison. For the full details, check out the <a href=\"https:\/\/businessolver.foleon.com\/mondelez\/pre65-retiree-medical-coverage-options\/\" target=\"_blank\" rel=\"noopener\">side-by-side comparison<\/a>.<\/p><table><thead><tr style=\"background-color: #2d6eaa;color: #ffffff\"><th width=\"70%\">Features<\/th><th style=\"text-align: center;vertical-align: middle\" width=\"10%\">$750 Deductible<\/th><th style=\"text-align: center;vertical-align: middle\" width=\"10%\">$2,250 Deductible<\/th><th style=\"text-align: center;vertical-align: middle\" width=\"10%\">$3,500 Deductible<\/th><\/tr><\/thead><tbody><tr><td><strong>Pay up-front.<\/strong>\u00a0You pay more in contributions, but have a lower deductible, so generally pay less out of pocket when you need care.<\/td><td style=\"text-align: center;vertical-align: middle\"><strong>\u2713<\/strong><\/td><td><\/td><td><\/td><\/tr><tr style=\"background-color: #d5e2ee\"><td><strong>Pay as you go.<\/strong>\u00a0You have lower monthly contributions, but a higher deductible, so you generally pay more out of pocket if\/when you need care.<\/td><td><\/td><td style=\"text-align: center;vertical-align: middle\"><strong>\u2713<\/strong><\/td><td style=\"text-align: center;vertical-align: middle\"><strong>\u2713<\/strong><\/td><\/tr><tr><td><strong>Pay the deductible first for prescriptions.\u00a0<\/strong>After the deductible, you pay the same fixed-dollar copay or a percentage of the cost, depending on the type of prescription.<\/td><td style=\"text-align: center;vertical-align: middle\"><strong>\u2713<\/strong><\/td><td style=\"text-align: center;vertical-align: middle\"><strong>\u2713<\/strong><\/td><td style=\"text-align: center;vertical-align: middle\"><strong>\u2713<\/strong><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-2421\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2421\" aria-controls=\"collapse2421\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> About the Carrier Networks<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse2421\" role=\"region\" aria-labelledby=\"ea-header-2421\"> <div class=\"ea-body\"><p>Each carrier has its own network of providers. And, when you stay in-network, covered services are provided at a discount. It\u2019s important to note that there are <span class=\"blue-text\"><strong>two<\/strong><\/span> types of networks across the carrier options, and they\u2019re not the same:<\/p><ul><li><span class=\"blue-text\"><strong>Broad network<\/strong><\/span>: Includes a larger selection of providers, for example more doctors and hospitals, across the country.<\/li><li><span class=\"blue-text\"><strong>Select network<\/strong><\/span>: Includes a smaller group of providers, also referred to as High Performance Networks (HPNs). If a select network is available in your area and your provider is in-network, your contribution amount is generally lower.<\/li><\/ul><p>Here\u2019s a snapshot of the carrier options, type of network offered by each (broad or select), and the name of each network by carrier.<\/p><p>&nbsp;<\/p><table style=\"vertical-align: middle;width: 99.7602%;height: 198px\"><thead><tr style=\"background-color: #2d6eaa;color: #ffffff\"><th style=\"width: 18.1326%;height: 22px\" width=\"25%\"><strong><span style=\"color: #ffffff\"><span style=\"color: #ffffff\">Carrier Option<\/span><\/span><\/strong><\/th><th style=\"text-align: center;width: 17.5904%;height: 22px\" width=\"20%\"><strong><span style=\"color: #ffffff\"><span style=\"color: #ffffff\">Type of Network<\/span><\/span><\/strong><\/th><th style=\"text-align: center;width: 24.4576%;height: 22px\" width=\"30%\"><strong><span style=\"color: #ffffff\"><span style=\"color: #ffffff\">Network Name<\/span><\/span><\/strong><\/th><th style=\"text-align: center;width: 39.8194%;height: 22px\" width=\"25%\"><strong><span style=\"color: #ffffff\"><span style=\"color: #ffffff\">More About the Network<\/span><\/span><\/strong><\/th><\/tr><\/thead><tbody><tr style=\"height: 22px\"><td style=\"width: 18.1326%;height: 66px\" rowspan=\"2\">Aetna<\/td><td style=\"text-align: center;width: 17.5904%;height: 22px\">Broad<\/td><td style=\"text-align: center;width: 24.4576%;height: 22px\">Aetna Choice POS II<\/td><td style=\"text-align: center;width: 39.8194%;height: 22px\">Offered in Non-Premier Network Areas<\/td><\/tr><tr style=\"height: 44px\"><td style=\"text-align: center;width: 17.5904%;height: 44px\">Select<\/td><td style=\"text-align: center;width: 24.4576%;height: 44px\">Aetna Premier Care Network (APCN)<\/td><td style=\"text-align: center;width: 39.8194%;height: 44px\">Available Only in Certain Areas<\/td><\/tr><tr style=\"background-color: #d5e2ee\"><td style=\"width: 18.1326%;height: 44px\">Blue Cross and Blue Shield of Illinois<\/td><td style=\"text-align: center;width: 17.5904%;height: 44px\">Broad<\/td><td style=\"text-align: center;width: 24.4576%;height: 44px\">Blue Card PPO, BCBS Select Networks<\/td><td style=\"text-align: center;width: 39.8194%;height: 44px\">Available Dependent on Location<\/td><\/tr><tr style=\"height: 22px\"><td style=\"width: 18.1326%;height: 44px\" rowspan=\"2\">Cigna<\/td><td style=\"text-align: center;vertical-align: middle;width: 17.5904%;height: 22px\">Broad<\/td><td style=\"text-align: center;vertical-align: middle;width: 24.4576%;height: 22px\">Open Access Plus<\/td><td style=\"text-align: center;vertical-align: middle;width: 39.8194%;height: 22px\">Offered in Non-LocalPlus Network Areas<\/td><\/tr><tr style=\"height: 22px\"><td style=\"text-align: center;vertical-align: middle;width: 17.5904%;height: 22px\">Select<\/td><td style=\"text-align: center;vertical-align: middle;width: 24.4576%;height: 22px\">Cigna LocalPlus<\/td><td style=\"text-align: center;vertical-align: middle;width: 39.8194%;height: 22px\">Available Only in Certain Areas<\/td><\/tr><\/tbody><\/table><p>To confirm whether your doctor, hospital, or other care provider participates in a carrier\u2019s network (and whether the network is a broad or select network), be sure to use the provider look-up tool on <a href=\"http:\/\/www.mdlzmybenefitsonline.com\/\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a>. Before you decide on a carrier, it\u2019s also a good idea to double-check directly with your provider to make sure they participate in a carrier\u2019s broad or select network where you live. Your provider will have the most up-to-date information about their participation in the carrier networks.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-2422\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2422\" aria-controls=\"collapse2422\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How you pay for care<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse2422\" role=\"region\" aria-labelledby=\"ea-header-2422\"> <div class=\"ea-body\"><p>To decide what's right for you, take a close look at your costs and consider how you prefer to pay for coverage.<\/p><ul><li><span class=\"blue-text\"><strong>Paying more up-front<\/strong><\/span>\u00a0means you'll have higher contributions, but coverage will begin sooner (lower deductible and out-of-pocket maximum).<\/li><li><span class=\"blue-text\"><strong>Paying as you go<\/strong><\/span>\u00a0means your contributions will be lower, but it will take longer for coverage to begin (higher deductible and out-of-pocket maximum).<\/li><\/ul><p>Here's how the options compare against some of the key features that affect how and when you pay for care:<\/p><table><thead><tr style=\"background-color: #2d6eaa;color: #ffffff\"><th width=\"40%\"><\/th><th style=\"text-align: center\" width=\"20%\">$750 Deductible<\/th><th style=\"text-align: center\" width=\"20%\">$2,250 Deductible<\/th><th style=\"text-align: center\" width=\"20%\">$3,500 Deductible<\/th><\/tr><\/thead><tbody><tr><td><strong>Contributions<\/strong><\/td><td style=\"text-align: center\">Highest<\/td><td style=\"text-align: center\">Medium<\/td><td style=\"text-align: center\">Lowest<\/td><\/tr><tr style=\"background-color: #d5e2ee\"><td><strong>Deductible that must be met up-front<\/strong><\/td><td style=\"text-align: center\">Lowest<\/td><td style=\"text-align: center\">Medium<\/td><td style=\"text-align: center\">Highest<\/td><\/tr><tr><td><strong>What the Medical Plan pays after the deductible is met<\/strong><br \/><small><em>(for most covered services)<\/em><\/small><\/td><td style=\"text-align: center;vertical-align: middle\">80%<\/td><td style=\"text-align: center;vertical-align: middle\">80%<\/td><td style=\"text-align: center;vertical-align: middle\">80%<\/td><\/tr><tr style=\"background-color: #d5e2ee\"><td><strong>Out-of-pocket maximum amount<\/strong><\/td><td style=\"text-align: center\">Lowest<\/td><td style=\"text-align: center\">Medium<\/td><td style=\"text-align: center\">Highest<\/td><\/tr><\/tbody><\/table><p>Need a quick refresher on how you and the Pre-65 Plan\u2014regardless of whether you select the $750, $2,250, or $3,500 Deductible option\u2014share in the cost of coverage? Check out the graphic below.<\/p><p><img decoding=\"async\" style=\"width: 75%\" src=\"https:\/\/mdlzbmr.com\/pre65retiree\/wp-content\/uploads\/sites\/6\/2026\/03\/Deductible-OOP-Comparison-Pre-65.png\" alt=\"Deductible and out-of-pocket maximum graphic\" \/><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-2423\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2423\" aria-controls=\"collapse2423\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Family Coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse2423\" role=\"region\" aria-labelledby=\"ea-header-2423\"> <div class=\"ea-body\"><p>If you cover family members, it\u2019s important to understand how the deductibles and out-of-pocket maximums work\u2014it affects when the Pre-65 Plan\u2019s benefits kick in.<\/p><h4 class=\"blue-text\">Embedded<\/h4><p>The\u00a0<strong>$750 and $3,500 Deductible options<\/strong>\u00a0have an\u00a0<strong>embedded<\/strong>\u00a0approach to the deductible, which is the more traditional way of thinking about deductibles. With this approach, once one family member meets their individual deductible, it\u2019s considered met for that person. Benefits begin for them, but not yet for the other family members. This means:<\/p><ul><li>Each person only needs to meet the\u00a0<em>individual<\/em> deductible before the Pre-65 Plan begins paying benefits for that individual.<\/li><li>Other covered family members will continue to pay all of their health care expenses until two or more combined meet the family deductible. When that happens, the Pre-65 Plan then begins paying benefits for all covered family members.<\/li><li>If you have a family member who tends to have more health care costs than the others, you might want to consider choosing an option with this approach, as it could save you money.<\/li><\/ul><p><img decoding=\"async\" style=\"width: 75%\" src=\"https:\/\/mdlzbmr.com\/pre65retiree\/wp-content\/uploads\/sites\/6\/2024\/08\/MDLZ_embedded.png\" alt=\"Embedded deductible graphic\" \/><\/p><h4 class=\"blue-text\">Aggregate<\/h4><p>In order to meet IRS rules to be paired with an HSA, the\u00a0<strong>$2,250 Deductible option<\/strong>\u00a0has an\u00a0<strong>aggregate<\/strong>\u00a0approach to the deductible. With this approach, there\u2019s one deductible for the whole family. This means:<\/p><ul><li>You ignore the\u00a0<em>individual\u00a0<\/em>deductible amount completely.<\/li><li>Only the\u00a0<em>family<\/em>\u00a0deductible applies to each covered family member.<\/li><li>Once one person or a combination of covered family members meet the deductible, it\u2019s considered met for all covered family members and benefits begin for everyone.<\/li><\/ul><p><img decoding=\"async\" style=\"width: 75%\" src=\"https:\/\/mdlzbmr.com\/pre65retiree\/wp-content\/uploads\/sites\/6\/2024\/08\/MDLZ_aggregate.png\" alt=\"Aggregate deductible graphic\" \/><\/p><p>Out-of-pocket maximums under the\u00a0<strong>embedded<\/strong>\u00a0and\u00a0<strong>aggregate<\/strong>\u00a0approaches work the same way as the deductibles do for each method.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-2424\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2424\" aria-controls=\"collapse2424\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Telemedicine<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse2424\" role=\"region\" aria-labelledby=\"ea-header-2424\"> <div class=\"ea-body\"><p>With telemedicine, you can talk to a doctor 24\/7. Each carrier offers telemedicine for a variety of services (e.g., general medical, behavioral\/mental health). Per-visit costs vary by carrier and type of service received; but are often less than what you would pay for in-office care.<\/p><p>For specifics on telemedicine options and costs, contact the carriers directly:<\/p><ul><li><strong>Aetna:<\/strong>\u00a0<a href=\"tel:18558352362\">1-855-835-2362<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.teladoc.com\/aetna\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Teladoc Website<\/a><\/li><li><strong>BCBS:<\/strong>\u00a0<a href=\"tel:18007704622\">1-800-770-4622<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.mdlive.com\/bcbsil\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MD Live Website<\/a><\/li><li><strong>Cigna:<\/strong>\u00a0<a href=\"tel:18887263171\">1-888-726-3171<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.mdliveforcigna.com\/landing\/mdliveforcigna\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Cigna Website<\/a><\/li><\/ul><p>Learn more about telemedicine in this\u00a0<a href=\"https:\/\/telemedicine.tellmein2.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">video<\/a>.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-2425\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2425\" aria-controls=\"collapse2425\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Carrier Processes and more<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse2425\" role=\"region\" aria-labelledby=\"ea-header-2425\"> <div class=\"ea-body\"><h4 class=\"blue-text\">Processes and standards vary by carrier<\/h4><p>Two carriers may treat a covered service differently when making a benefit determination. As a result, how services are covered and what you may pay can vary across carriers. Also, carriers might adjust costs for certain services (for example, negotiated rates for certain covered services and telemedicine costs) from year to year. If you have questions about how a specific service is covered, contact the carrier directly.<\/p><h4 class=\"blue-text\">About an HSA<\/h4><p>Even though an HSA isn't available to you through MDLZ, you may be able to open one on your own through a financial institution of your choice\u2014provided you enroll in one of the HSA-eligible coverage options under the Pre-65 Plan ($2,250 or $3,500 Deductible coverage option) and meet all other IRS eligibility requirements.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-2426\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2426\" aria-controls=\"collapse2426\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Contact info &amp; apps<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse2426\" role=\"region\" aria-labelledby=\"ea-header-2426\"> <div class=\"ea-body\"><p><span class=\"blue-text\"><strong>Aetna<\/strong><\/span><\/p><ul><li><a href=\"https:\/\/www.aetna.com\/\" target=\"_blank\" rel=\"noopener\">Aetna Website<\/a><\/li><li><a href=\"https:\/\/www.teladoc.com\/aetna\/\" target=\"_blank\" rel=\"noopener\">Teladoc Website<\/a><\/li><li>Main Phone:\u00a0<a href=\"tel:1-866-831-0051\">1-866-831-0051<\/a><ul><li>Telemedicine:\u00a0<a href=\"tel:1-855-835-2362\">1-855-835-2362<\/a><\/li><li>Nurseline:\u00a0<a href=\"tel:1-800-556-1555\">1-800-556-1555<\/a><\/li><\/ul><\/li><li>Mobile App:<strong>\u00a0<\/strong><a href=\"https:\/\/apps.apple.com\/app\/id1261033071\" target=\"_blank\" rel=\"noopener\">APPLE APP STORE<\/a>\u00a0|\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.aetna.aetnahealth\" target=\"_blank\" rel=\"noopener\">GOOGLE PLAY STORE<\/a><\/li><li>Group Number: 868605<\/li><li>Network:<ul><li>Select: Aetna Premier Care (only available in certain areas)<\/li><li>Broad: Aetna Choice POS II (offered in non-Premier network areas)<\/li><\/ul><\/li><\/ul><p>&nbsp;<\/p><p><span class=\"blue-text\"><strong>Blue Cross and Blue Shield of Illinois (BCBS)<\/strong><\/span><\/p><ul><li><a href=\"http:\/\/www.bcbsil.com\/\" target=\"_blank\" rel=\"noopener\">BCBS of Illinois Website<\/a><\/li><li><a href=\"https:\/\/www.mdlive.com\/bcbsil\" target=\"_blank\" rel=\"noopener\">MD Live Website<\/a><\/li><li>Main Phone: <a href=\"tel:1-877-238-5948\">1-877-238-5948<\/a><ul><li>Telemedicine: <a href=\"tel:1-800-770-4622\">1-800-770-4622<\/a><\/li><li>Nurseline: <a href=\"tel:1-800-299-0274\">1-800-299-0274<\/a><\/li><\/ul><\/li><li>Mobile App:<strong>\u00a0<\/strong><a href=\"https:\/\/itunes.apple.com\/us\/app\/bcbsil\/id571088532?mt=8\" target=\"_blank\" rel=\"noopener\">APPLE APP STORE<\/a>\u00a0|\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.hcsc.android.providerfinderil&amp;hl=en\" target=\"_blank\" rel=\"noopener\">GOOGLE PLAY STORE<\/a><\/li><li>Group Number: See your member ID card<\/li><li>Network: Broad\u2014Blue Card PPO or Blues Alternate Networks (depending on location)<\/li><\/ul><p>&nbsp;<\/p><p><span class=\"blue-text\"><strong>Cigna<\/strong><\/span><\/p><ul><li><a href=\"http:\/\/www.mycigna.com\/\" target=\"_blank\" rel=\"noopener\">Cigna Website<\/a><\/li><li><a href=\"https:\/\/www.mdliveforcigna.com\/landing\/mdliveforcigna\" target=\"_blank\" rel=\"noopener\">Cigna Telemedicine Website<\/a><\/li><li>Main Phone:\u00a0<a href=\"tel:1-800-244-6224\">1-800-244-6224<\/a><ul><li>Telemedicine:<a href=\"tel:1-888-726-3171\">\u00a01-888-726-3171<\/a><\/li><li>Nurseline:\u00a0<a href=\"tel:1-800-564-9286\">1-800-564-9286<\/a><\/li><\/ul><\/li><li>Mobile App:\u00a0<a href=\"https:\/\/itunes.apple.com\/app\/id569266174\" target=\"_blank\" rel=\"noopener\">APPLE APP STORE<\/a>\u00a0|\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.cigna.mobile.mycigna\" target=\"_blank\" rel=\"noopener\">GOOGLE PLAY STORE<\/a><\/li><li>Group Number: 3341199 or 2500546<\/li><li>Network:<ul><li>Select: Cigna LocalPlus (only available in certain areas)<\/li><li>Broad: Open Access Plus (offered in non-LocalPlus network areas)<\/li><\/ul><\/li><li style=\"list-style-type: none\"><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/pre65retiree\/wp-content\/uploads\/sites\/6\/2024\/06\/Blue-Divider.svg\" alt=\"Blue-Divider\" itemprop=\"image\" height=\"0\" width=\"0\" title=\"Blue-Divider\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<h2><strong>Short videos you may find helpful<\/strong><\/h2>\n<p>Check out these videos to learn more about how to:<\/p>\n<ul>\n<li><strong><a href=\"http:\/\/medical.tellmein2.com\/\" target=\"_blank\" rel=\"noopener\">Compare the different options<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/carriers1.tellmein2.com\/\" target=\"_blank\" rel=\"noopener\">Consider details about carrier networks (broad and select)<\/a><\/strong><\/li>\n<li><strong><a href=\"http:\/\/jargon.tellmein2.com\/\" target=\"_blank\" rel=\"noopener\">Review common benefit terms<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/deductibles.tellmein2.com\/\" target=\"_blank\" rel=\"noopener\">Better understand aggregate and embedded deductibles<\/a><\/strong><\/li>\n<\/ul>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/pre65retiree\/wp-content\/uploads\/sites\/6\/2024\/06\/Blue-Divider.svg\" alt=\"Blue-Divider\" itemprop=\"image\" height=\"0\" width=\"0\" title=\"Blue-Divider\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<h2><strong>Key Considerations when Choosing Medical Coverage<\/strong><\/h2>\n<style>#sp-ea-803 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-803.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-803.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #2d6eaa;}#sp-ea-803.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-803.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-803.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #2d6eaa;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1722949611\"><div id=\"sp-ea-803\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-8030\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse8030\" aria-controls=\"collapse8030\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How and when do you prefer to pay for medical coverage?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse8030\" data-parent=\"#sp-ea-803\" role=\"region\" aria-labelledby=\"ea-header-8030\"> <div class=\"ea-body\"><ul><li>If you prefer to pay\u00a0<span class=\"blue-text\"><strong>more in up-front contributions and potentially pay less overall for care<\/strong><\/span>, the\u00a0<span class=\"blue-text\"><strong>$750 Deductible<\/strong><\/span> option might be the best fit for you. This option has the highest contribution, but the lowest deductible. This means more will be taken out of each paycheck, but the Pre-65 Plan will begin paying benefits sooner.<\/li><li>If you prefer to\u00a0<span class=\"blue-text\"><strong>pay less in up-front contributions but potentially pay more overall for care<\/strong><\/span>, the\u00a0<span class=\"blue-text\"><strong>$3,500 Deductible\u00a0<\/strong><\/span>option might be the best fit for you.<\/li><li>The\u00a0<span class=\"blue-text\"><strong>$2,250 Deductible <\/strong><\/span>option is in the middle, balancing up-front contributions and when the Pre-65 Plan begins to pay benefits.<\/li><\/ul><h3 class=\"blue-text\"><strong>COVERAGE OPTIONS IN ACTION<\/strong><\/h3><p>Let\u2019s take a look at an example. Mark is injury-prone so he prefers to pay less at the time of care. He falls off his bike, breaks his leg, and unfortunately ends up with a $3,000 hospital bill. This is Mark's first time needing medical care this year, so he hasn't had any out-of-pocket expenses applied toward his annual deductible.<\/p><p>If Mark has coverage for himself only, his medical costs would be as follows:<\/p><div class=\"table-responsive\"><table class=\"table table-striped\"><thead><tr style=\"background-color: #2d6eaa;color: #fff\"><th colspan=\"3\">$750 Deductible option<\/th><\/tr><\/thead><tbody><tr><td width=\"33%\"><strong>$750<\/strong><br \/>(Out-of-pocket costs to reach deductible)<\/td><td width=\"33%\"><strong>+ $450<\/strong><br \/>($2,250 Remaining x 20% coinsurance)<\/td><td width=\"34%\"><strong>= $1,200: Total costs + <em>Highest contributions<\/em><\/strong><\/td><\/tr><\/tbody><\/table><\/div><div class=\"table-responsive\"><table class=\"table table-striped\"><thead><\/thead><tbody><tr style=\"background-color: #2d6eaa;color: #fff\"><th colspan=\"3\">$2,250 Deductible option<\/th><\/tr><tr><td width=\"33%\"><strong>$2,250<\/strong><br \/>(Out-of-pocket costs to reach deductible)<\/td><td width=\"33%\"><strong>+ $150<\/strong><br \/>($750 Remaining x 20% coinsurance)<\/td><td width=\"34%\"><strong>= $2,400: Total costs + <em>Middle contributions<\/em><\/strong><\/td><\/tr><\/tbody><\/table><\/div><div class=\"table-responsive\"><table class=\"table table-striped\"><thead><tr style=\"background-color: #2d6eaa;color: #fff\"><th colspan=\"2\">$3,500 Deductible option<\/th><\/tr><tr><td width=\"66%\"><strong>$3,000<\/strong><br \/>(Out-of-pocket costs toward his deductible)<\/td><td width=\"34%\"><strong>= $3,000: Total costs + <em>Lowest contributions<\/em><\/strong><\/td><\/tr><\/thead><\/table><\/div><p>Given that Mark is injury-prone and might have a few accidents that require seeing a doctor in the future, he may want to consider paying higher contributions for the\u00a0<span class=\"blue-text\"><strong>$750 Deductible<\/strong><\/span>\u00a0option so that his benefits kick in sooner. When making your decision, consider how often you may need health care\u00a0<span class=\"blue-text\"><strong><em>plus<\/em><\/strong><\/span>\u00a0your contributions.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-8031\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse8031\" aria-controls=\"collapse8031\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Have you used your medical coverage this year?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse8031\" data-parent=\"#sp-ea-803\" role=\"region\" aria-labelledby=\"ea-header-8031\"> <div class=\"ea-body\"><p>Consider how you and your family members have used your medical coverage so far this plan year. Based on your personal situation and upcoming health care needs and preferences, decide which of the medical options\u2014$750, $2,250, or $3,500 Deductible\u2014might be best for you.<\/p><p><span class=\"blue-text\"><strong>If you or a covered family member:<\/strong><\/span><\/p><ul><li>Go to the doctor quite a bit, including visits with a specialist<\/li><li>Plan to take part in activities that could result in an accident or injury<\/li><li>Have a major surgery planned for next year<\/li><\/ul><p class=\"blue-text\"><strong>...then the $750 Deductible option might be right for you.<\/strong><\/p><p><span class=\"blue-text\"><strong>If instead, you or a covered family member:<\/strong><\/span><\/p><ul><li>Mostly need preventive care and regular immunizations<\/li><li>Don't often visit the doctor for illness\/injury<\/li><li>Don't have planned major health care needs for next year<\/li><\/ul><p class=\"blue-text\"><strong>...then the $2,250 or $3,500 Deductible options might be right for you.<\/strong><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-8032\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse8032\" aria-controls=\"collapse8032\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Who do you need to cover?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse8032\" data-parent=\"#sp-ea-803\" role=\"region\" aria-labelledby=\"ea-header-8032\"> <div class=\"ea-body\"><p>You can cover your dependents, younger than age 65, including your:<\/p><ul><li>Legal spouse<\/li><li>Same- or opposite-sex domestic partner<\/li><li>Child(ren)<\/li><\/ul><p>Consider whether it makes sense for you and your family to be covered under the Pre-65 Plan or through your spouse's\/domestic partner's employer (if applicable).<\/p><p><strong><a href=\"https:\/\/mdlzbmr.com\/pre65retiree\/eligibility-rules\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Learn more about eligible dependents.<\/a><\/strong><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-8033\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse8033\" aria-controls=\"collapse8033\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What contributes to your cost for medical coverage?<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse8033\" data-parent=\"#sp-ea-803\" role=\"region\" aria-labelledby=\"ea-header-8033\"> <div class=\"ea-body\"><p>Estimating your total costs and considering your budget can help you determine which medical option makes the most sense for your situation.<\/p><p>Your costs depend on:<\/p><ul><li><span class=\"blue-text\"><strong>Medical option you select:<\/strong><\/span> You'll pay less in contributions and more at the time of care ($2,250 or $3,500 Deductible option) or more in contributions and less at the time of care ($750 Deductible), depending on the option you elect.<\/li><li><span class=\"blue-text\"><strong>Carrier you select:\u00a0<\/strong><\/span> Choosing a carrier with your preferred doctors and hospitals in that carrier's network can save you money. Note: Some carriers aren't available in all areas.<\/li><li><span class=\"blue-text\"><strong>Type of network you select:<\/strong><\/span> \u00a0You can have lower contributions if you choose a network with a smaller group of providers (also called a <em>select network<\/em>\u00a0if offered in your area). If you prefer a larger selection of providers, consider what's often referred to as a\u00a0<em>broad network<\/em>\u00a0option.<\/li><li><span class=\"blue-text\"><strong>Who you need to cover:\u00a0<\/strong><\/span> The number of family members you cover impacts your contribution amount. The more people you cover, the more you pay.<\/li><\/ul><p><span class=\"blue-text\"><strong>Need help choosing?<\/strong><\/span> Not sure which coverage is a good fit for you and your family? Choose <strong>I'd Like Help Choosing Plans<\/strong> when you enroll and answer a few questions to find what best fits your unique coverage needs. Results are based on your answers and are completely confidential.<\/p><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/pre65retiree\/wp-content\/uploads\/sites\/6\/2024\/06\/Heart-World-Graphic.png\" alt=\"Illustration of a world shaped like a heart with people helping each other on it.\" itemprop=\"image\" height=\"228\" width=\"238\" title=\"Heart-World-Graphic\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<h2><strong>Looking for more details?<\/strong><\/h2>\nYou can access more detailed coverage information, including provider finder tools on <a href=\"http:\/\/www.mdlzmybenefitsonline.com\/\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a>.<br \/>\n<a href=\"http:\/\/www.mdlzmybenefitsonline.com\/\" target=\"_blank\" rel=\"noopener\"><button>Go Now<\/button><\/a>\n\n","protected":false},"excerpt":{"rendered":"<div class=\"entry-summary\">\n<div class=\"entry-summary\">\nMedical comprehensive coverage for certain services-including in-network preventive care covered at 100%&hellip;\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/pre65retiree\/medical\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Medical&rdquo;<\/span>&hellip;<\/a><\/div>\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/pre65retiree\/medical\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Medical&rdquo;<\/span>&hellip;<\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template\/_fullwidth.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-216","page","type-page","status-publish","hentry","entry"],"acf":[],"_links":{"self":[{"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/pages\/216","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/comments?post=216"}],"version-history":[{"count":23,"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/pages\/216\/revisions"}],"predecessor-version":[{"id":1107,"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/pages\/216\/revisions\/1107"}],"wp:attachment":[{"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/media?parent=216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}