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FALL 2019

KEYNOTESFALL 2019

This is a brief description of the features of GEHA’s FEHB and FEDVIP plans. Please read the GEHA federal brochures available at geha.com and gehadental.com. All benefits are subject to the definitions, limitations and exclusions set forth in the federal brochures.

GEHA is committed to helping you live your life on your terms, one personal health goal at a time. Whether it’s walking 10,000 steps a day, maintaining a healthy smile or eating nutritious meals, GEHA wants to help you every step of the way. You don’t have to be the best to achieve something better. You just have to do what’s possible for you. Thank you for being a GEHA member.

DO YOUR POSSIBLE

GEHA is offering two new medical plans for 2020 that empower you to achieve the health you need to live the life you want. With an emphasis on innovative digital tools and convenient care, Elevate and Elevate Plus stand out as alternatives to traditional benefit plans. geha.com/ElevateLearn

ElevateGEHA’s lowest premium plan with broad access to care. This plan includes digital wellness tools to help you enjoy an active lifestyle and rewards you for your commitment to healthy living.

NEW! Elevate PlusGEHA’s plan with no in-network deductible and reasonable copays for common medical expenses. This plan supports your busy lifestyle with personalized services to simplify your health care experience.

NEW!

Dental plan members:

X Unlimited annual maximum benefit. The High Option annual benefit maximum increased to unlimited per person for combined Class A, Class B and Class C covered services.

X Bitewing X-rays. To align with industry standards, these X-rays are covered once per calendar year for adults 23 and older.

X 24 new CDT dental procedure codes. New codes have been added, including D9613 – for the “infiltration of sustained-release therapeutic drug” – which was added to combat the opioid epidemic. This code provides dentists an alternative option for pain management. Dentists can place this medication at the site of a third molar (wisdom tooth) extraction instead of writing an opioid prescription. D9613 will be allowed for third molar extractions only, for children up to 22, and once per lifetime.

X Up to $600 in reimbursements per calendar year. This amount may be used on Medicare Part B premium payments, for High Option plan members enrolled in Medicare Parts A & B.

X No preauthorization required for physical, occupational or speech therapy, on all GEHA medical plans.

X Expanded online doctor visits now include coverage for dermatology care in addition to previously available coverage for non-emergency medical and behavioral health consultations.

X 100% contraceptive coverage now limited to generics under the preventive benefit, on all GEHA medical plans.

X Increased cost share for non-preferred brand medications for the High Deductible Health Plan option, from 25% to 40% of the plan allowance.

X Increased coinsurance maximums for Standard Option, from $200 to $250 for generic and preferred brand specialty drugs, and from $300 to $400 for non-preferred brand specialty drugs.

Medical plan members:

NEW MEDICAL PLANS FOR 2020:

WHAT'S NEW IN 2020GEHA FEHB medical plans geha.com 800.821.6136 GEHA FEDVIP dental plans gehadental.com 877.434.2336

Connection Dental Plus geha.com/CDPlus 800.793.9335

Network provider list geha.com gehadental.com 800.296.0776 Mail-order pharmacy caremark.com844.4.GEHA.RX

SEE YOUR PRIMARY CARE PHYSICIAN As a GEHA medical plan member, an annual physical at an in-network provider locationis covered at 100%. Regular check-ups are important because they detect problems early, which increases your chances for successful treatment. Your weight, height, blood sugar levels, blood pressure and cholesterol should be measured at your check-up. A family history of diabetes, high cholesterol or hypertension may also place you at higher risk. Please schedule an appointment with your primary care physician so you can take the proper steps on your health journey. To find a medical provider, visit geha.com/Find-Care

Follow @gehahealth on Instagram for interactive and inspiring wellness content and information about your health and dental benefits. #DoYourPossible

Source: cdc.gov

/company/gehahealth/gehahealth

KEYNOTESFALL 2019

Vision coverage & discounts: $0 copay for Elevate and Elevate Plus — and a $5 copay for all other medical and dental plan members — for routine eye exams at qualified EyeMedSM providers. For out-of-network exams, EyeMed reimburses you up to $45 per covered member per year. geha.com/Vision • gehadental.com/Vision

Hearing aid savings: GEHA members get discounts on hearing aids purchased through TruHearing™. Most members see savings of 30% to 60% off the average retail price. geha.com/Hearing • gehadental.com/Hearing

Electric toothbrush: GEHA members can save more than 70% off a premium electric toothbrush by cariPRO™. geha.com/Toothbrush • gehadental.com/Toothbrush

Teeth whitening: GEHA members receive a 20% discount on the lowest published price on all Smile Brilliant home teeth whitening products. geha.com/Whitening • gehadental.com/Whitening

Medical alert system: GEHA members and extended family are eligible for discounted services from Life Alert®. Members receive free activation, plus a 10% monthly discount. geha.com/LifeAlert • gehadental.com/LifeAlertcial

Self OnlyWhat you pay Elevate HDHP Standard Option Elevate Plus High Option

Non-Postal biweekly $47.32 $59.29 $60.54 $72.67 $105.42

Postal biweekly – Category 1 APWU, IT/AS, NALC, NPMHU

$45.43 $56.92 $58.12 $69.77 $102.14

Postal biweekly – Category 2 PPOA

$39.28 $49.21 $50.25 $60.32 $92.32

Retirees monthly $102.53 $128.46 $131.18 $157.46 $228.41

These rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency or Tribal Employer that maintains your health benefits enrollment.

The included benefits listed are neither offered nor guaranteed under contract with the FEHB or FEDVIP programs, but are made available to all enrollees and their eligible family members who become members of GEHA.

To view 2020 dental plan rates, visit gehadental.com/Rates

2020 MEDICAL PLAN RATES

Self Plus OneWhat you pay Elevate HDHP Standard Option Elevate Plus High Option

Non-Postal biweekly $108.84 $127.48 $130.18 $170.27 $246.51

Postal biweekly – Category 1 APWU, IT/AS, NALC, NPMHU

$104.49 $122.38 $124.97 $163.27 $239.51

Postal biweekly – Category 2 PPOA

$90.34 $105.81 $108.05 $142.26 $218.50

Retirees monthly $235.83 $276.20 $282.05 $368.92 $534.11

Self and Family What you pay Elevate HDHP Standard Option Elevate Plus High Option

Non-Postal biweekly $132.51 $150.04 $155.52 $180.23 $304.39

Postal biweekly – Category 1APWU, IT/AS, NALC, NPMHU

$127.21 $144.04 $149.30 $173.02 $296.80

Postal biweekly – Category 2PPOA

$109.98 $124.53 $129.08 $149.59 $274.04

Retirees monthly $287.10 $325.09 $336.96 $390.49 $659.51

INCLUDED BENEFITS & SAVINGS

Dear GEHA members:

It’s been an exciting 2019 with many positive changes taking place on behalf of our Association members. As I look forward to my first official Open Season as the President and CEO of GEHA, I am energized by these changes. I am also heartened to know that we continue to be grounded in one thing that remains the same — our commitment to putting our members first.

Our biggest news this year is the introduction of two new Federal Employee Health Benefit (FEHB) plans: Elevate and Elevate Plus. We are honored that GEHA was selected by the Office of Personnel Management to be the exclusive carrier for these new plans as the result of a competitive process that asked for meaningfully different benefit choices for federal employees.

The Elevate and Elevate Plus plans are designed to meet the changing needs of members, including the desire for more wellness-focused plans, digital tools and convenient care. Whether you’re focused on wellness, saving for future health care needs or seeking a traditional benefit plan, GEHA now offers a portfolio of medical plans to meet your needs. This is a significant step forward in our newly refined mission to empower our members to be healthy and well. GEHA is pleased to offer more ways to meet the unique needs of each member.

We are humbled by the trust that you’ve placed in GEHA and the Association we’ve built together. We want to continue to grow in ways that benefit even more members through investments in modern medical and dental plans for the future. Raising our awareness through our partnership with the Kansas City Chiefs and NFL MVP Patrick Mahomes, and expanding our marketing efforts are just a few of the ways we’re bringing our story to more people than ever before. You’ll see us focusing on the theme of “Do Your Possible,” which encourages everyone to take positive steps toward better health.

Our commitment to serving each of you remains at the heart of these efforts and is the inspiration behind GEHA’s refreshed vision to inspire positive outcomes by delivering integrated health and well-being solutions at the best value. This is what we aspire to deliver today, tomorrow and into the future. Thank you for choosing to be an Association member. We deeply value you and will continue to work hard each day to serve you.

Be well,

OUR PRESIDENT

Darren Taylor

Over the past year, GEHA has created a Voice of the Customer program. This program allows members like you to share your feedback about your experiences with GEHA. With your input, we are able to make improvements and act as a dedicated partner with you on your health journey.

Share your experiences with us at

geha.com/MyVoice

STAY HEALTHY WITH A FLU SHOT YOUR FEEDBACK MAKES US BETTER

Getting a flu shot is the best way to protect yourself from the flu. By getting a flu vaccination, you can help protect yourself and your family from its potentially serious complications.

Flu vaccinations cause antibodies to develop in the body about two weeks after the vaccination. These antibodies provide protection against infection with the viruses that are in the vaccine. Ask your health care provider about what vaccine is right for you. geha.com/Find-Care Source: cdc.gov