Download What`s Changing for 2017

What’s Changing for 2017
Non-Medicare-Eligible Retirees in the DuPont U.S. Benefit Plans
Annual Enrollment is your
once-a-year opportunity to
elect your DuPont health
and insurance coverage
for next year.
Mark your calendar and
plan to take action between
November 2 – November 15,
2016 on DuPont Connection
at http://resources.hewitt.
com/dupont until 11:59 p.m.,
Central Time (CT), or by
calling 1-800-775-5955 until
6:00 p.m., Eastern Time (ET).
Annual Enrollment for your 2017 DuPont benefits is approaching. The
good news is that there are very few changes taking effect next year with
our benefits for retirees (and their covered dependents) under age 65.
This overview highlights these changes to help you prepare for what’s
ahead. For detailed 2017 benefits information, including personalized
pricing, review the enclosed 2017 DuPont Annual Enrollment Guide.
During Annual Enrollment (November 2 – 15, 2016), you can also
visit DuPont Connection, your one-stop benefits resource at http://
resources.hewitt.com/dupont, or call 1-800-775-5955.
Note: This information does not apply to non-Medicare-eligible retirees
in Puerto Rico.
WHAT’S INSIDE
How Your DuPont Coverage Works If You
Cover Dependents.................................2
What’s Changing: A Snapshot...............3
Additional Important Information.........4
Working Together to Manage
Your Out-of-Pocket Costs .....................8
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How Your DuPont Coverage Works
If You Cover Dependents
How your retiree coverage works if you cover dependents is not changing, but
here’s a quick overview so you know what to do during Annual Enrollment.
If your covered spouse is Medicare-eligible and you are not (or vice-versa), you
will have different retiree health care benefits available to you, and two different
ways that you will need to enroll for 2017 coverage. The same applies to other
covered dependents.
Coverage Options
Non-Medicare-Eligible Retirees
and Dependents Only
Medicare-Eligible Retirees
and Dependents Only
Receive non-Medicare-eligible coverage options under
the DuPont retiree medical and dental plans.
Receive notification of premium changes directly
from your individual Medicare plan carriers.
(Note: Do not make plan changes through
your carrier.)
Enrollment Process
Enroll through DuPont Connection during DuPont’s
Annual Enrollment (November 2 – 15, 2016):
http://resources.hewitt.com/dupont
1-800-775-5955
Make plan changes through Towers Watson’s
OneExchange during the Medicare Open Enrollment
period (October 15 – December 7, 2016):
www.medicare.oneexchange.com/dupont
1-855-535-7140
Be Aware
If you or your covered spouse/dependent is Medicare-eligible, your medical and dental coverage is
administered through Towers Watson’s OneExchange. You will receive information from Towers
Watson’s OneExchange in October — including details about how to enroll.
If you or your spouse/dependent is eligible for a Health Reimbursement Arrangement (HRA), you
must utilize Towers Watson’s OneExchange services to purchase a Medicare Supplement plan and
receive the HRA amount provided by DuPont.
If you, the retiree, are Medicare-eligible, your dependents’ pre-Medicare medical and dental group
coverage is also contingent on your enrollment through Towers Watson’s OneExchange. Retirees who
do not enroll and remain enrolled in a plan with Towers Watson’s OneExchange will be considered
as having declined DuPont coverage for self, spouse, and dependents. Declination of coverage is
permanent and irrevocable.
Becoming Medicare-Eligible Soon?
You and your dependents will automatically receive information directly from Towers Watson’s
OneExchange and DuPont Connection 90 days prior to becoming Medicare-eligible. This way you can
easily make the transition to Medicare-eligible coverage. Be aware that in order to avoid a gap in coverage,
you will need to enroll with Towers Watson’s OneExchange before you become Medicare-eligible.
For retirees and dependents becoming Medicare-eligible due to your 65th birthday in January or
February 2017, as well as retirees or spouses who qualify for Medicare due to a disability, you will
get a packet with materials in October from Towers Watson’s OneExchange to help you enroll
in Medicare-eligible retiree coverage directly. Take action as soon as you receive the materials.
If you, the retiree, are becoming Medicare-eligible, your dependents’ pre-Medicare medical and
dental group coverage is also contingent on your enrollment through Towers Watson’s OneExchange.
Retirees who do not enroll will be considered as having declined DuPont coverage for self, spouse, and
dependents. Declination of coverage is permanent and irrevocable.
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What’s Changing: A Snapshot
Benefits Change
What This Means for You
Expanded medical plan coverage
• Enhanced access to infertility benefits
• Applied Behavioral Analysis (ABA) coverage when medically necessary
Health Savings Account (HSA) 2017
contribution limits increase
• You may contribute more to your HSA in 2017 if you have “Retiree only” coverage
How discounts are applied to specialty
prescription drugs
• Accredo, DuPont’s specialty prescription drug pharmacy, will help you find eligible discounts for
high-cost specialty medicines; when discounts apply for these medications, what you pay after
the discount will be applied to your deductible and out-of-pocket maximum
Premium changes
• You will pay more in monthly premiums for medical and prescription drug coverage
• Some premium rates are also increasing for Retiree Life Insurance, depending on your age
Working spouse coverage requirements
• You’ll need to indicate working spouse coverage status during Annual Enrollment
• Medical and prescription drug carriers will be implementing additional processes to confirm
“other coverage” status of covered dependents
Your Benefit Options and Most Rates Are Not Changing for 2017
The retiree medical and dental options remain unchanged for 2017.
Your retiree medical plan Core and Premium Saver options still offer you the
opportunity to save money for your future health care costs through a Health
Savings Account (HSA). Participation in the HSA is subject to eligibility rules
established by the Internal Revenue Service (IRS).
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Additional Important Information
Expanded DuPont Medical Plan
Coverage
Under both the Core and Premium Saver medical plan options for 2017, you will have the
following expanded coverage.
Infertility Treatment for Males and Females
DuPont is expanding infertility benefits to include treatment for male and female infertility factors.
There is a lifetime benefit maximum of up to $15,000 (plus $10,000 in pharmaceuticals) for medically
necessary infertility treatment. You can get more information about this benefit by calling your health
plan carrier. Generally, here’s how the expanded coverage works:
• Benefits only apply to plan participants. This means that, for example, if a DuPont retiree has a
spouse who is not enrolled in coverage, the benefit will only cover expenses related to the retiree’s
treatment; and
• The couple must supply the plan with proof of infertility. Services require pre-certification from the
medical carrier.
Exclusions apply. Contact your medical plan carrier for details prior to starting infertility treatment.
Applied Behavioral Analysis (ABA) Therapy Benefits for Autism
When used in the treatment of autism, ABA focuses on improving a patient’s communication,
social skills, and quality of life. This treatment may be beneficial for some patients, especially young
children. To obtain this treatment, you will need to contact ComPsych, DuPont’s behavioral health
administrator, at 1-800-435-7266. ComPsych, available 24 hours a day/7 days a week, will help you
review the benefits available to you and initiate the certification process.
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Health Savings Account (HSA) Contributions
The annual maximum HSA contribution limit set by the Internal Revenue Service (IRS) for
individuals with “Retiree only” medical plan coverage is increasing by $50/year. This means you can
contribute up to $3,400 in 2017. HSA limits are not changing for other coverage levels.
In 2017, your HSA funds can include:
For “Retiree only” coverage
Your contribution:
$3,400
+
+
You can contribute
$1,000 extra if age
55 or older
Any other HSA
savings that you
accumulated from
previous years
For all other coverage levels (these amounts are unchanged from 2016)
Your contribution:
$6,750
+
+
You can contribute
$1,000 extra if age
55 or older
Any other HSA
savings that you
accumulated from
previous years
What You Will Pay
Medical and Prescription Plan
For 2017, medical and prescription drug coverage premiums for coverage for non-Medicare-eligible
retirees are increasing. Here’s what you will pay each month:1
Coverage Level
Retiree Core Option
Retiree Premium Saver Option
Retiree Only
$205
$170
Retiree + Spouse
$415
$340
Retiree + Child(ren)
$300
$245
Retiree + Family
$515
$420
Spouse Only
$205
$170
Child(ren) Only
$100
$80
Spouse + Child(ren)
$305
$250
1. These amounts differ for individuals who retired early (prior to receiving the full Company subsidy).
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An Important Reminder: You Might Be Able to Get Help Paying for Your Medicine
You or your dependents can use manufacturer coupons, discount cards, and copay assistance to help with your out-ofpocket expenses for specialty medicine. If financial support is available, you can usually find the information you need
to apply for it by searching the Internet for the name of your medicine or its manufacturer and the words “assistance
program,” “manufacturer assistance program,” or “pharmaceutical assistance program.”
Accredo, the specialty medicine pharmacy that’s part of your Express Scripts prescription plan, can also help you find
sources of financial assistance.
These kinds of financial assistance programs can help you stay on track with your medicine. That’s good for you and your
long-term health.
It’s important to remember that if you use one of these programs, the amount of assistance won’t count as an out-of-pocket
expense. In other words, you can’t apply financial assistance toward meeting your deductible or maximum out-of-pocket
expenses. Additionally, some manufacturer coupons last only for a limited time. Avoid switching to a higher priced
medication just because a coupon or financial assistance is available.
For example…
Jane’s doctor prescribed Nucala®, a specialty medicine, to treat her severe asthma. Her doctor advises her that even with
insurance, the medicine will be expensive. She suggests Jane visit the Nucala website to see if the manufacturer offers any
financial assistance.
At the medicine’s website, Jane finds a menu item called “Savings & Support.” On that page, Jane learns she can apply for
a $0 copay program. After she applies by filling out a one-page form, Nucala’s manufacturer approves Jane. She then talks
with her Accredo benefit specialist about this manufacturer assistance program and provides the bin number and routing
number from the program approval so Accredo can apply the assistance program to Jane’s account.
Because of the financial support provided by Nucala’s manufacturer, Jane pays nothing for her medicine. That’s good for
Jane’s budget, but it also means that — because she has no out-of-pocket expenses for this asthma therapy — it will take
longer for Jane to reach her deductible or out-of-pocket maximum.
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Working Spouse Requirements
The medical plan’s “Working Spouse” eligibility provision requires working spouses to purchase
primary coverage through their own employer if (1) it is available, and (2) the premium cost for the
lowest premium cost option (for individual coverage) is less than $100 per month. If the prior two
conditions are met, you may still cover your working spouse under the DuPont medical plan; however,
your spouse’s DuPont coverage will be secondary to his or her employer’s coverage.
If your spouse’s employer (1) does not provide medical coverage, or (2) if the monthly premium for
the lowest cost option available is $100 or more, DuPont does not require your spouse to purchase
primary coverage from his or her employer.
The Working Spouse rule itself isn’t a change for 2017. However, if you’re electing coverage for your
spouse during this year’s Annual Enrollment, you will be asked to confirm your spouse meets the
medical plan’s eligibility requirements (as described above).
Additionally, starting January 1, 2017, the DuPont medical carriers will implement additional
processes to confirm if covered dependents (spouse and children) are covered by other insurance.
Failure of your working spouse to obtain primary coverage (if less than $100 per month) or your
failure to respond to a medical carrier’s request for other coverage information could result in claims
processing delays, benefit reductions, and, in some cases, claims denials.
Please refer to the enclosed 2017 DuPont Annual Enrollment Guide for more details.
Retiree Life Insurance
Retiree Life Insurance monthly premium rates are increasing for 2017. Confirm your eligibility for
retiree life insurance coverage and your costs on the enclosed personalized enrollment worksheet.
Retiree Life Insurance
Monthly Premiums per $1,000 of Coverage
Age at 12/31/17
Premium
45 – 49
$0.149
50 – 54
$0.228
55 – 59
$0.365
60 – 64
$0.571
65 – 69
$1.024
70 – 74
$1.780
75 – 79
$2.655
80 – 84
$4.380
85 – 89
$7.227
90 and older
$14.200
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Eligible for CGLI?
If you’re eligible for
Contributory Group Life
Insurance (CGLI or Option
Z), check your personalized
enrollment worksheet for
what you will pay for 2017
coverage.
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Working Together to Manage
Your Out-of-Pocket Costs
During the Year, Shop Wisely
When you need care, DuPont encourages you to be a smart shopper. Here are some of the ways you
can boost your health care purchasing power:
• Research cost and quality before receiving care.
• Take advantage of DuPont’s preventive care benefits. Both the Retiree Core and Retiree Premium
Saver medical options cover in-network preventive services at 100% with no deductible.
• Save money on prescription drugs by purchasing generics and preferred (also known as formulary)
brand-name medications. Search for preventive care medications, generics, and preferred brandname drugs on the Express Scripts website at www.express-scripts.com/dupontretiree, utilizing
the Price a Medication feature.
What’s Next
2017 Annual Enrollment is November 2 – November 15, 2016. Take action! Your 2017
coverage takes effect on January 1, 2017.
Enclosed is your 2017 DuPont Annual Enrollment Guide and personalized
enrollment worksheet outlining your coverage options and personalized pricing.
Ensure your coverage and what you pay will meet your needs for next year, and take
action to enroll through DuPont Connection. You can reach DuPont Connection
online at http://resources.hewitt.com/dupont, or call 1-800-775-5955. During
Annual Enrollment, representatives are available by phone from 8:00 a.m. to
6:00 p.m., Eastern Time (ET), or enroll online through 11:59 p.m., Central Time (CT)
on November 15, 2016.
Remember…
DuPont Connection is your
one-stop benefits resource
at http://resources.hewitt.
com/dupont.
2017 BeneFlex Annual
Enrollment is November 2 –
November 15, 2016
Take action and enroll!
Remember, if you cover a Medicare-eligible dependent, you will also receive separate
information directly from Towers Watson’s OneExchange so that you can elect
coverage for that dependent during the Medicare Open Enrollment period starting
October 15, 2016.
This summary provides a quick, easy-to-understand outline of your Plan options. DuPont has made every effort to ensure that this accurately reflects the
plan documents and contracts. However, if there is any conflict or inconsistency between this guide and those documents or contracts, the documents
or contracts will govern. DuPont reserves the right to change, modify, or discontinue at its discretion any of the plans, programs, or services described in
this guide.
Copyright © 2016 DuPont. The DuPont Oval Logo is a trademark of E.I. du Pont de Nemours and Company. All rights reserved.
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