Non-Medicare Retirees General Topics FAQs
Blue Cross Blue Shield of New Mexico (BCBSNM) is the provider of retiree medical benefits.
- Aon Hewitt, Your Benefit Resources (YBR)
With only two plans for 2014, aren't we decreasing the amount of choice?
No, the Laboratory actually is increasing the amount of choice for non-Medicare retirees and active employees by providing two plans in 2014 that provide in network and out-of-network coverage. The EPO plan was named the Exclusive Provider Organization Plan because it was designed to only cover claims from a narrow set of providers. When we gained a wide selection of healthcare providers through our contract with Blue Cross Blue Shield of New Mexico, the term Exclusive Provider Organization and its original intent no longer applied and became outdated.
Will our medical insurance premiums, deductibles or other costs go up in 2014?
The premiums for the 2014 Preferred Provider Organization (PPO) Plan for non-Medicare retirees actually will be lower than the premiums for the 2013 PPO. The premiums for the 2014 High-Deductible Health Plan (HDHP) will be lower than the premiums for the 2013 Exclusive Provider Organization (EPO) Plan as well as for the 2013 Consumer-Driven Health Plan (CDHP).
- 2014 Medical Plan Comparison (pdf)
- 2014 Premium Rates (pdf)
How do our 2014 medical plans compare with the University of California and other national laboratories?
As a result of our location, the Laboratory does not have the same easy access to Health Maintenance Organization (HMO) providers or HMO networks as the University of California or Lawrence Livermore and Sandia National Laboratories. One of the reasons we selected Blue Cross Blue Shield of New Mexico in 2010 was to make up for our geographic challenge through their extensive, nationwide provider network.
Is the Laboratory changing its plans and dropping the EPO because Blue Cross Blue Shield of New Mexico is raising the rates?
No. Blue Cross Blue Shield of New Mexico (BCBSNM) simply functions as the administrative claims service and network provider for our medical plans and is not responsible for the upcoming changes. Because our medical insurance is a self-insured plan, retirees and employees actually are paying insurance premiums to the Laboratory’s operating budget, not BCBSNM. The premium rates (pdf) are based on participants’ utilization of healthcare services.