Some Changes in Offerings

The open season offers some different options than those available during the early enrollment opportunity that ran in March-May. The most notable difference is that during the early enrollment period only three- and five-year coverage was available. During the open season, lifetime coverage also will be offered. Also available will be “non-standard” coverage, “services-only” coverage and a “facilities-only” option. In non-standard coverage, available only to active employees and their spouses who have been diagnosed with certain medical conditions or who require the use of certain medical devices or assistance with activities, benefits will be more limited that the regular insurance offered under the program. Services-only coverage, available only to active employees and their spouses who either fall into one of those categories or who currently receive long-term care type assistance, will provide access to care coordination and discounts on care for a small fee. The “facilities-only” option will cover care in assisted living facilities, nursing homes and inpatient hospice care but not care at home or in adult day care facilities as does the comprehensive coverage.