Retiree Health Insurance
FAQ ABOUT NEBCO
Medical Plan Provisions
When does my coverage begin?
Your retiree medical plan will be effective on the first day of the month of your 65th birthday provided that you have Medicare Parts A & B and NEBCO receives your completed and signed enrollment forms and first month's premium payment.
How do I determine my monthly premium?
Please refer to the NEBCO kit available at the Benefits Office.
When is my premium due?
If paying by personal check, your monthly premium is due to NEBCO on the first of each month. You will receive an invoice from NEBCO around mid-month of the prior month.
Will I have to re-enroll in this new retiree medical plan annually?
No. Once you enroll, you continue on the plan until you elect to terminate your coverage, which you may do at any time. If you do not pay your monthly premium on a timely basis, your coverage could be cancelled.
Does this plan have any deductibles or co-payments?
Please refer to the NEBCO kit available at the Benefits Office.
Sterling Retiree Rx Plan
Who is the prescription drug insurance company?
The Sterling Life Insurance Company is insuring your prescription drug plan. The company was incorporated in 1958 and is domiciled in Illinois. Sterling is rated “A-,“ (Excellent), by A.M. Best, a financial services rating agency.
How is the servicing of this coverage handled?
Your Sterling Retiree Rx Plan is administered and serviced through IdealScripts, the pharmacy benefit management division of NEBCO. If you have any questions regarding your benefits, including your prescription drug plan, please call NEBCO’s Customer Care Center at 1-888-883-3757.
Will I be enrolled in the new Medicare Part D program?
Yes. Sterling Retiree Rx prescription drug coverage is a Medicare Part D prescription drug plan (PDP).
What is the Optional Prescription Supplement?
You may enhance your prescription drug coverage by electing Plan III which includes the Optional Prescription Supplement combined with Sterling Retiree Rx. This supplement provides additional coverage beyond basic Medicare Part D.
Will I be penalized if I change to another plan in the future?
Sterling Retiree Rx is a creditable plan, which means if you choose to select coverage in the future under another Medicare creditable plan, you may do so without penalty as long as you have had no break in your coverage.
Where can I get additional information on Medicare Part D?
You can contact 1-800-MEDICARE or visit Medicare’s website at: www.Medicare.gov
Is there any financial assistance for low-income individuals?
Yes. Medicare provides financial assistance to low-income individuals based on their current income. Please contact Medicare directly (1-800-Medicare) for more information.
How do I get my prescriptions filled?
Simply bring your prescription to any of the approximately 52,000 participating pharmacies in the Sterling Retiree Rx network, and they will fill your prescription.
How do I find out if my pharmacy is a participating pharmacy?
You can call the NEBCO Customer Care Center at 1-888-883-3757 to verify that your pharmacy is one of the participating Sterling Retiree Rx pharmacies. The network includes Walgreens, Wal-Mart, Kroger’s, Osco, CVS and many others.
How does the mail-order program work?
A mail-order pharmacy kit will accompany your prescription drug ID card when delivered to you. Simply complete the mail-order form and return it in the envelope provided along with your written prescription. Your medications will be delivered to your home. You can receive a 90-day supply and refills can be ordered by phone. Your co-insurance amount can be billed to a credit card or paid by check.
Claims Handling
How are my claims paid?
When you go to your doctor, you present your Retiree Medical ID Card. On this card is your Medicare ID Number. Medicare pays the provider the Medicare portion of your claim and forwards the balance due amounts electronically to the Hartford Life & Accident Insurance Company, who then directly pays the provider the difference. You seldom have to deal with any claim forms. Should you need more information or have a question, call NEBCO’s Customer Care Center.
On-going Support
Where can I get additional information on this plan?
If you have any questions, NEBCO’s Customer Care Center is available to you Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Standard Time. You may call NEBCO toll free 1-888-883-3757 to speak to a Customer Care Specialist. When you enroll, you will receive a certification issued by the carrier, which explains all your benefits in detail.
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