Health Insurance Resource Guide
What’s Inside About This Resource Guide page 2
Finding the Right Coverage for You page 3
Understanding the Basics pages 4-5
Decide Which Type of Plan is Right for You pages 6-7
Research Your Medical Plan Options page 8
Enroll page 9
Researching a Dental Plan pages 10-11
Medical Contact Information by State pages 12-26
2
About This Resource Guide To help you explore potentially more cost-effective medical and/or dental plans, this Health Insurance Resource Guide provides a good starting point, including:
• Basic health care terminology;
• An overview of the difference between the public Health Insurance Marketplace and private insurers;
• Contact information for the public Health Insurance Marketplace o (either federally- or state-facilitated) in your state—you can enroll in a plan
directly either online or by phone;
• Contact information for a sampling of the insurance carriers that provide private plans available for purchase* in your state—you can enroll in a plan directly through the carrier of your choice online or by phone;
• Information about how to shop for a dental plan and a list of dental plan options.
*Please note that the enclosed provider list may change and is not all-inclusive, nor is it an endorsement of particular carriers.
You may wish to contact a broker if you need further assistance in researching the plans and pricing available in your area. Please keep in mind that individual brokers are not employed by or agents of 3M and 3M does not endorse or recommend and is not responsible for any advice, actions, views, opinions or statements of the brokers.
3
Finding the Right Medical Coverage for You There are three main steps to help you find the right coverage:
1 Understand the basics • What is the 3M non-Medicare Health Reimbursement Arrangement (HRA)?
(See page 4 for more details.)
• Am I eligible to receive the Premium Tax Credit (or “subsidy”) and what are the advantages of receiving that subsidy? (See page 4 for more details.)
• How do the public and private health insurance marketplaces work? (See pages 5-7 for more details.)
– Public Health Insurance Marketplace (or “exchange”) plan options in your state (see overview on page 5).
– Individual plan through a private insurer in your state (see overview on page 5).
• Review the plans that are available in your state either through the public or private marketplace. (See pages 12-26 as a starting point to research qualified health plans.)
2 Research your medical plan options • Compare prices, plan coverage, providers and other features for the following two options:
Call or enroll online through the Exchange
Call 3M FIRST Line Center to defer your HRA
3 Enroll—by the 15th of the month prior to your desired effective date
Public exchange
Private insurers
Call or enroll online through private plan or broker
If eligible and paying with Premium Tax Credit
4
✓Use your 3M non-Medicare HRA to help pay your post-tax
medical and/or dental premium
• The 3M non-Medicare HRA can be used to help pay your post-tax premiums for a medical plan in the public Health Insurance Marketplace or through a private insurer. Effective Jan. 1, 2016, it can also be used to pay your post-tax dental plan premium.
✓Find out if you qualify for a premium tax credit
Some people may qualify for a premium tax credit to help pay their premium or out-of-pocket costs.
To find out if you qualify, you will need to visit the exchange site for your state. See the contact information by state beginning on page 12. You will need to provide financial and other information,
so make sure you have the following information:
• W-2 forms
• Pay stubs or tax returns
• Social Security Numbers for all those applying for coverage
• Policy numbers for any current health coverage you and all members of your household may have
• Employer information
Note: You may only receive the premium tax credit if you enroll in a plan through the public Health Insurance Marketplace.
✓If you take advantage of a premium tax credit
If you are eligible for a premium tax credit and choose to receive the credit by enrolling in a public Health Insurance Marketplace Plan:
• You are not allowed to use your 3M HRA credits to help pay your medical or dental premiums, because the government doesn’t allow individuals who receive the premium tax credit to also participate in an HRA.
• Notify 3M FIRST Line Center of your decision, otherwise you may have tax implications. Call (888) 611-5500 (toll free). You may save the credits in your HRA account for future use (such as when you become Medicare eligible).
1 Understand the basics
5
What is the public Health Insurance Marketplace?
Your state Health Insurance Marketplace is a one-stop shop that allows you and your family to compare health insurance plan prices, quality and benefits, select the plan that’s best for your needs, and enroll in it.
The public Health Insurance Marketplaces are available in each state and are operated by the state, by the federal government or through a partnership between the state and federal government. The health plans in the marketplace are offered by private health insurance companies and must cover certain services as directed by your state and the federal government.
How does the public Health Insurance Marketplace work?
You will be able to enroll online or speak with a representative to help you find a health insurance plan that meets your needs. Each state’s Health Insurance Marketplace will offer a range of plan choices, and each will
provide its own set of benefits and have its own cost. But all the plans available through the public Health Insurance Marketplace will have some benefits in common:
• Preventive care services, like routine check-ups and well-baby care visits, will be covered at 100%—you pay nothing.
• No lifetime dollar maximums, or dollar caps, on essential health benefits. Those include hospitalization, outpatient services, maternity care, prescription drugs, emergency care and preventive services.
• Limits on how much an individual pays out-of-pocket (such as a copay, coinsurance or annual deductible) in any given year.
How do the public and private marketplaces compare? Here are some important facts to know:
Public exchange
Individual plans in the private marketplace
Insurers
Offered through the federal government, the state or a partnership between the two
Offered by insurance companies, benefits brokerages and various other organizations
Premium Tax Credit Premium tax credit available depending on household income
No premium tax credit available
6
Bronze 60%
Gold 80%
Decide Which Type of Plan is Right for You Levels of coverage
When you choose health coverage, you have a choice to spend more up front and pay less when you receive care, or you can spend less up front and pay more when you receive care. The public Health
Insurance Marketplace classifies plans according to how much they cost and how much they cover. The levels of coverage are broken down into tiers:
Tier
Platinum
Key terms to know Annual Deductible—The annual deductible is an amount you pay out-of-pocket each year towards the cost of certain covered care before your plan begins to pay coinsurance.
Coinsurance—The percentage you pay for covered health care services and prescription drug costs after you’ve satisfied the annual deductible, if applicable. The percentage varies by health insurance plan.
Copayment—A fixed dollar amount that you pay for certain services at the time of service.
Drug Formulary—This is a list of prescription drugs, both generic and brand name, used by practitioners to identify drugs that offer the greatest overall value.
Out-of-Pocket Costs—These are your expenses for medical care that are not reimbursed by your health plan. They include annual deductibles, coinsurance and copayments for covered services, plus
all costs for services that are not covered.
Out-of-Pocket Maximum—The out-of-pocket maximum is the most you pay during the calendar year before your health plan begins to pay 100%. This generally includes copayments, annual deductibles and coinsurance payments. This limit never includes your premium, balance-billed charges from health care providers, or health care your health plan doesn’t cover.
Potential out-of-pocket costs
Higher
Lower
Potential premiums
Lower
Higher
Percentage of health care
costs covered
Bronze
Silver 70%
Gold
90%
Lower 60%
80%
Potential out-of-pocket costs
7
Through the public Health Insurance Marketplace or a private insurer, you will be able to select the right type of plan.
You can choose from a number of plans, including:
• HMOs (health maintenance organizations) and EPOs (exclusive provider organizations): In these types
of plans, you pick one primary care physician. You need a referral before you can see any other health care professional (except in an emergency), and visits to health care professionals outside of your network typically aren’t covered by your insurance.
• PPOs (preferred-provider organizations): In a PPO plan, you don’t need a primary care physician or a referral to see other health care professionals. You’ll pay lower costs when you stay in the plan network.
• POSs (point-of-service plans): POS plans combine the features of an HMO and a PPO. Like an HMO plan, you may be required to designate a primary care physician who provides referrals to specialists when needed. Like a PPO plan, you’ll pay lower costs when you stay in the plan network.
• HDHPs (high-deductible health plans): HDHP premiums are lower than premiums in other types of plans in exchange for the responsibility of paying higher costs out of your pocket (up to a maximum limit) when you receive care. HDHPs also provide the opportunity to contribute pre-tax dollars to a Health Savings Account (HSA).
Learn more about the plans available. Option 1: Explore the public Health Insurance Marketplace (or exchange) by state.
Option 2: Explore individual plans offered through private insurers by state.
Premium tax credit
When purchasing health coverage in your state marketplace, you may be eligible for a premium tax credit based on your household income and family size. These thresholds will be adjusted over time to keep pace with inflation. The threshold is slightly higher in Alaska and Hawaii, where cost of living is higher.
Two types of subsidies are available: A premium assistance tax credit and cost-sharing assistance may also be available. In addition, if your income falls below certain levels, you may qualify for Medicaid, or your children may be eligible for the Children’s Health Insurance Program (CHIP). You can find out if you qualify for any of these programs when you fill out your state’s Health Insurance Marketplace application.
8
Understand Your Coverage Options You and your eligible non-Medicare dependent(s) may enroll in one of the following options:
• A health care plan through the public Health Insurance Marketplace (also known as the “exchange”); or
• A health care plan through a private insurer, which could include your spouse's plan or another employer's plan if you become employed somewhere else.
If you wish to research your options in the public Health Insurance Marketplace and/or through a private insurer, consider the following:
✓What level of coverage do you need?
You have a choice to spend more up front and pay less when you receive care, or you can spend less up front and pay more when you receive care. See more details beginning on page 6.
✓What type of plan is best for you?
See page 7 for definitions of the different types of plans.
✓Which network(s) does your provider(s) participate in?
✓How are prescription drugs covered?
Are your drugs on the formulary? (See page 6 for definition.)
✓ What are the premiums for the type of plan you’ve selected?
Your answers to the above questions will determine how much you’ll pay for coverage.
2 Research your medical plan options
9
Enroll in a Plan The third step is to enroll in the plan of your choice.
✓If you choose a public Health Insurance Marketplace plan:
• Watch for new ID cards from your new medical plan administrator.
• If you have questions about your coverage or your new plan, contact your new plan administrator directly.
✓If you choose an individual plan offered
through a private insurer:
• Watch for new ID cards from your new plan administrator.
• If you have questions about your coverage or your new plan, contact your new plan administrator directly.
3 Enroll
10
Researching a Dental Plan
Helpful Information as You Shop for a Dental Plan Here are some things to consider as you explore your dental plan choices.
✓Check to see if your health plan offers dental coverage.
Dental coverage is offered as part of some health plans, but not all of them—so review your health plan carefully to see if dental is covered.
✓Understand that plans and carriers differ by state. The local markets and regulatory requirements drive the products available in each state.
✓ Review each plan’s provider network .
Most independent dental insurance plans will only pay for your dental services if you go to a contracted and participating in-network dentist. Find out if you are required to go to a participating dentist or if you can choose your own. If the plan requires you to see an in-network dentist, ask for a list of the dentists in your area with whom they are contracted so you can decide if there is a dentist you would consider seeing. If you wish to stay with your current dentist, some policies allow you to see an out-of-network dentist, but the costs the plan covers may be significantly less.
✓Understand the yearly maximum.
The yearly maximum is the most money that the dental insurance plan will pay within one full year. The yearly maximum will automatically renew every year. If you have unused benefits, these will not roll over.
✓Compare dental insurance waiting periods.
A waiting period is the length of time an insurance company will make you wait after you are covered before they will pay for certain procedures.
✓Determine which plans cover which procedures.
Dental procedures are typically broken down into three categories: preventive, basic or restorative and major. Since all dental insurance carriers are different, it is important to clarify which dental procedures fall under each specific category. This is important because some insurance plans don't cover major procedures and others have waiting periods for certain procedures.
1. Preventive: Most insurance companies consider routine cleanings and examinations as preventive dental care; however, X-rays, sealants and fluoride can be deemed as preventive or basic, depending upon the specific insurance carrier.
2. Basic or Restorative: Basic or restorative dental treatment usually consists of fillings and simple extractions. Root canals can be considered basic or major. However, the majority of dental plans list root canals as basic.
3. Major: Crowns, bridges, dentures, partials, surgical extractions and dental implants are dental procedures that most dental insurance companies consider major procedures.
11
Dental plan options*
• Delta Dental in your state of residence: http://www.deltadentalmn.org/3m-retirees/
• AARP: aarp.org or http://www.aarphealthcare.com/insurance/dental-insurance.html (You may be required to have an AARP membership.)
• Renaissance Dental: http://www.renaissancedental.com/
• Brokers
*This list is meant to serve as a starting point, it is not inclusive of all insurance carriers nor is it an endorsement from 3M.
12
Medical Contact Information by State
The contact information listed below may not display or provide all data on qualified health plans that are available in your state. You are encouraged to use this list as a starting point for your more comprehensive research.
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Alabama www.healthcare.gov BlueCross BlueShield of Alabama www.bcbsal.org 855-890-7416
Celtic Insurance Company www.celtic-net.com 800-779-7989
Bright Health www.brighthealthplan.com 855-541-5314
Alaska www.healthcare.gov Premera Blue Cross Blue Shield of Alaska www.premera.com 877-773-6372
Arizona www.healthcare.gov Ambetter ambetter.azcompletehealth.com 877-527-8410
Blue Cross and Blue Shield of Arizona www.azblue.com 877-864-4899
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Arkansas www.healthcare.gov Arkansas Blue Cross & Blue Shield www.arkansasbluecross.com 800-392-2583
QualChoice Health Insurance www.qualchoice.com 800-235-7111
Ambetter from Arkansas Health & Wellness ambetter.arhealthwellness.com 877-617-0390
13
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
California www.coveredca.com Anthem Blue Cross www.anthem.com/ca 888-553-5423
Blue Shield of California www.blueshieldca.com 888-273-0010
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Health Net Life Insurance www.healthnet.com 877-527-8409
Kaiser Permanente www.kp.org 800-464-4000
Molina Healthcare www.molinahealthcare.com 888-562-5442
Oscar Health Plan of California www.hioscar.com 855-672-2788
Colorado www.connectforhealthco.com Anthem BlueCross BlueShield www.anthem.com 855-629-9665
Bright Health www.brighthealthplan.com 844-691-6150
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Denver Health Medical Plan www.elevatehealthplans.org 855-823-8872
Friday Health www.fridayhealthplans.com 844-451-4444
Kaiser Permanente www.kp.org 800-632-9700
14
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Connecticut www.accesshealthct.com Anthem BlueCross BlueShield www.anthem.com 855-629-9665
ConnectiCare www.connecticare.com 860-674-5757
Delaware www.healthcare.gov Highmark BCBSD www.highmarkbcbsde.com 877-959-2562
Florida www.healthcare.gov Blue Cross and Blue Shield of Florida (Florida Blue) www.bcbsfl.com 877-465-1125
Ambetter from Sunshine Health ambetter.sunshinehealth.com 877-687-1169
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Molina HealthCare www.molinahealthcare.com 866-472-4585
United Health One www.uhone.com 800-985-2870
Georgia www.healthcare.gov Alliant Health Plans www.alliantplans.com 800-811-4793
Blue Cross Blue Shield of Georgia www.bcbsga.com 888-553-5426
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Ambetter from Peach State Health Plans ambetter.pshpgeorgia.com 877-687-1180
Hawa
15
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Hawaii www.healthcare.gov Hawaii Medical Service Association (BCBS) www.hmsa.com 800-620-4672
Kaiser Permanente www.connecticare.com 860-674-5757
Idaho www.yourhealthidaho.org Blue Cross of Idaho Health Services www.bcidaho.com 888-462-7677
Mountain Health Co-op www.mhc.coop 855-447-2900
Regence Blue Shield of Idaho www.regence.com 888-734-3623
Illinois www.healthcare.gov Ambetter Insured by Celtic Ambetter.IlliniCare.com 855-745-5507
Blue Cross and Blue Shield of Illinois www.bcbsil.com 866-514-8044
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Health Alliance Medical Plans www.healthalliance.org 866-247-3296
Indiana www.healthcare.gov Anthem Blue Cross and Blue Shield in Indiana www.anthem.com 888-556-9101
Ambetter from MHS ambetter.mhsindiana.com 877-687-1182
Care Source www.CareSource.com 844-539-1733
Hawa
16
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Iowa www.healthcare.gov Wellmark Blue Cross and Blue Shield www.wellmark.com 800-978-3221
Medica www.medica.com 800-670-5935
Kansas www.healthcare.gov Blue Cross and Blue Shield of Kansas City www.bcbsks.com 800-438-1565
Ambetter Sunflower Health Plan ambetter.sunflowerhealthplan.com 844-518-9505
Medica www.medica.com/individualPlansKS 800-670-5935
Kentucky www.kynect.ky.gov
www.healthcare.gov
Anthem Blue Cross and Blue Shield in Kentucky www.anthem.com 888-556-9135
CareSource www.CareSource.com 844-539-1733
Louisiana www.healthcare.gov Blue Cross Blue Shield of Louisiana www.bcbsla.com 855-343-0361
Vantage Health Plan www.vantagehealthplan.com 888-823-1910
Maine www.healthcare.gov Anthem Blue Cross and Blue Shield www.anthem.com 866-755-2680
Harvard Pilgrim www.harvardpilgrim.org 888-888-4742
Maine Community Health Options www.healthoptions.org 855-624-6463
Maryland www.marylandhealthconnection.gov CareFirst Blue Choice www.carefirst.com 888-432-4380
Kaiser Permanente www.kp.org 800-632-9700
17
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Massachusetts www.marylandhealthconnection.gov Blue Cross and Blue Shield of Massachusetts www.bluecrossma.com 800-422-3545
BMC HealthNet Plan www.bmchp.org 800-792-4355
Fallon Community Health Plan www.fchp.org 800-868-5200
Harvard Pilgrim Health Care www.harvardpilgrim.org 888-888-4742
Health New England www.healthnewengland.org 800-842-4464
Neighborhood Health Plan www.nhp.org 800-462-5449
Tufts Health Plan Direct & Premier www.tuftshealthplan.com 888-257-1985
Michigan www.healthcare.gov Blue Cross Blue Shield of Michigan www.bcbsm.com 855-237-3501
McLaren Health Plan www.mclarenhealthplan.org 888-327-0671
Meridian www.meridianchoice.com 855-537-9746
Molina www.molinahealthcare.com 855-542-1991
Priority Health Insurance www.priorityhealth.com 833-489-5443
Oscar Health www.hioscar.com 855-672-2788
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Minnesota www.mnsure.org Blue Cross Blue Shield of Minnesota www.bluecrossmn.com 800-262-0823
HealthPartners www.healthpartners.com 877-838-4949
Medica Insurance Company www.medica.com 800-670-5935
Ucare Minnesota www.ucare.org 855-307-6975
PreferredOne www.preferredone.com 800-997-1750
Mississippi www.healthcare.gov Magnolia/Ambetter ambetter.magnoliahealthplan.com 877-687-1187
Missouri www.healthcare.gov Anthem Blue Cross and Blue Shield of Missouri www.anthem.com 844-290-7588
Cigna www.cigna.com 800-997-1654
Ambetter ambetter.homestatehealth.com 855-650-3789
Medica www.medica.com 800-670-5935
Montana www.healthcare.gov Blue Cross and Blue Shield of Montana www.bcbsmt.com 800-438-2268
Montana Health Co-op www.mhc.coop 855-447-2900
PacificSource Health Plans www.pacificsource.com 866-695-8684
188
19
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Nebraska www.healthcare.gov Medica www.medica.com 800-952-3455
Nevada www.nevadahealthlink.com
www.healthcare.gov
Health Plan of Nevada www.myhpnonline.com 800-777-1840
Silver Summit www.silversummithealthplan.com 844-366-2880
New Hampshire
www.healthcare.gov Ambetter Ambetter.nhhealthfamilies.com 844-265-1278
Anthem Blue Cross and Blue Shield www.anthem.com 855-310-2473
Harvard Pilgrim www.harvardpilgrim.org 800-208-1221
New Jersey www.healthcare.gov Ameri Health www.amerihealthnj.com 877-744-5422
Horizon Blue Cross Blue Shield of New Jersey www.horizonblue.com 888-765-7786
Oscar www.hioscar.com 855-672-2788
Oxford (United Healthcare) www.oxhp.com 800-444-6222
New Mexico www.bewellnm.com
www.healthcare.gov
Blue Cross and Blue Shield of New Mexico www.bcbsnm.com 888-809-1135
Christus www.christushealthplan.org 844-282-3025
New Mexico Health Connections www.mynmhc.org 800-769-6642
Molina www.molinahealthcare.com 855-542-1991
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
New York www.nystateofhealth.ny.gov Capital District Physicians Health Plan www.cdphp.com 518-641-3900
Emblem www.emblemhealth.com 877-411-3625
Empire BlueCross BlueShield www.empireblue.com 844-305-6963
Excellus BlueCross BlueShield www.excellusbcbs.com 888-679-7105
Fidelis Care New York www.fideliscare.org 888-343-3547
HealthFirst www.healthfirst.org 855-456-3668
HealthNow New York www.healthnowny.com 315-431-3620
Independent Health www.independenthealth.com 716-631-8701
MVP Health Plan www.mvphealthcare.com 800-825-5687
Oscar www.hioscar.com 855-672-2788
United Health Care of New York www.uhc.com 877-856-2429
North Carolina
www.healthcare.gov AmBetter www.ambetterofnorthcarolina.com 833-863-1310
Blue Cross Blue Shield of North Carolina www.bcbsnc.com 800-324-4973
Cigna Health and Life Insurance www.cigna.com 877-683-2268
20
21
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
North Dakota
www.healthcare.gov Blue Cross Blue Shield of North Dakota www.bcbsnd.com 800-342-4718
Medica Insurance Company www.medica.com 866-745-9919
Sanford Health Plan www.sanfordhealthplan.org 888-535-4831
Ohio www.healthcare.gov Ambetter (Buckeye Community Health Plan) ambetter.buckeyehealthplan.com 877-687-1189
Anthem Blue Cross and Blue Shield in Ohio www.anthem.com 844-290-7584
CareSource www.caresource.com 800-479-9502
Med Mutual (Medical Health Insuring Corp of Ohio) www.medmutual.com 800-382-5729
Molina Healthcare www.molinahealthcare.com 855-542-1987
Oscar Buckeye State Insurance Corporation www.hioscar.com 855-672-2788
Paramount www.paramounthealthcare.com 800-462-3589
Summa www.summahealth.org 330-375-3000
Oklahoma www.healthcare.gov BlueCross BlueShield of Oklahoma www.bcbsok.com 800-942-5837
Medica www.medica.com 800-670-5935
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Oregon www.coveroregon.com
www.healthcare.gov
BridgeSpan www.bridgespanhealth.com 800-750-0846
Kaiser Permanente www.kp.org 800-488-3590
Moda Health www.modahealth.com 877-605-3229
PacificSource Health Plans—Oregon www.pacificsource.com 866-695-8684
Providence Health Plan healthplans.providence.org 503-574-5000
Pennsylvania www.healthcare.gov AmBetter www.ambetterhealth.com 877-687-1196
Capital BlueCross www.capbluecross.com 800-451-1181
Geisinger Health Plan www.geisinger.org 866-379-4489
Highmark Choice www.highmarkbcbs.com 866-488-7469
Independence Blue Cross www.ibx.com 888-475-6206
UPMC Health Plan www.upmchealthplan.com 877-563-0292
Puerto Rico Not applicable Humana Health Insurance of Puerto Rico www.humana.pr/ 866-836-6162
Triple-S (Puerto Rico) www.salud.grupotriples.com 787-792-2226
22
23
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Rhode Island www.healthsourceri.com Blue Cross & Blue Shield of Rhode Island www.bcbsri.com 401-459-5550
Neighborhood Health Plan of Rhode Island www.nhpri.org 855-321-9244
South Carolina
www.healthcare.gov BlueCross BlueShield of South Carolina www.southcarolinablues.com 877-313-2583
South Dakota
www.healthcare.gov Avera Health Plans www.averahealthplans.com 855-692-8372
Sanford Health Plan www.sanfordhealthplan.org 888-535-4831
Tennessee www.healthcare.gov BlueCross BlueShield of Tennessee www.bcbst.com 888-995-7786
Bright Health www.brighthealthplan.com 888-660-8532
Celtic Insurance Company www.celtic-net.com 800-477-7870
Cigna Health and Life Insurance www.cigna.com 877-683-2268
Oscar www.hioscar.com 855-672-2788
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Texas www.healthcare.gov AmBetter (Celtic) www.celtic-net.com 877-687-1196
Blue Cross and Blue Shield of Texas www.bcbstx.com 800-531-4456
Christus Health www.christushealthplan.org 844-282-3025
Community Health Choice www.communityhealthchoice.org 855-315-5386
IdealCare (Sendero Health Plans) www.senderohealth.com 800-791-6511
Molina www.molina.com 855-542-1972
Oscar www.hioscar.com 855-672-2788
Utah www.healthcare.gov Molina www.molina.com 855-542-1987
Select Health www.selecthealth.org 800-538-5038
University of Utah Health Plans uhealthplan.utah.edu 801-587-6480
Vermont www.VermontHealthConnect.gov Blue Cross and Blue Shield of Vermont www.bcbsvt.com 800-247-2583
MVP Health www.mvphealthcare.com 800-825-5687
24
25
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
Virginia www.healthcare.gov CareFirst BlueCross BlueShield www.carefirst.com 888-432-4380
Cigna www.cigna.com 800-997-1654
Health Keepers (Anthem) mss.anthem.com/va 855-323-4687
Kaiser Foundation Health Plan of the Mid-Atlantic www.thrive.kaiserpermanente.org/ 800-488-3590
Optima Health Insurance www.optimahealth.com 800-741-4825
Piedmont Community Healthcare www.pchp.net 800-400-7247
Virginia Premier (Kaiser Permanente) www.virginiapremier.com 855-249-5025
Washington www.wahealthplanfinder.org BridgeSpan www.bridgespanhealth.com 800-750-0846
Coordinated Care Corporation www.coordinatedcarehealth.com 877-644-4613
Kaiser Foundation Health Plan of Washington wa.kaiserpermanente.org 888-901-4636
LifeWise Health Plan of Washington www.lifewisewa.com 888-304-0693
Molina Healthcare of Washington www.molinahealthcare.com 888-542-1990
Premera Blue Cross www.premera.com 877-773-6372
State Name Public Health Insurance Marketplace or “Exchange” Private Insurer
West Virginia
www.healthcare.gov Highmark West Virginia www.highmarkbcbswv.com 866-488-7469
CareSource www.caresource.com/wv 855-202-0622
Wisconsin www.wahealthplanfinder.org Aspirus Arise www.aspirusarise.com 800-332-3297
Common Ground Healthcare Cooperative www.commongroundhealthcare.org 877-514-2442
Dean Health Plan www.deancare.com 800-279-1301
Group Health Cooperative of South Central Wisconsin www.ghcscw.com 608-828-4831
Health Partners www.healthpartners.com 952-883-5599
Medica Health Plans of WI www.medica.com 800-670-5935
Mercycare HMO www.mercycarehealthplans.com 800-895-2421
Molina www.molina.com 855-542-1987
Network Health www.networkhealth.com 800-826-0904
Security Health Plan of Wisconsin www.securityhealth.org 800-472-2363
Unity Health Insurance www.unityhealth.com 800-362-3310
Wyoming
www.healthcare.gov
Blue Cross Blue Shield of Wyoming www.bcbswy.com 800-851-2227
List current as of Nov. 2018. Please note that coverage and carrier options vary by county. Not all private carriers may be offered in your county.
26
27
Important Legal Information This document is intended to provide general information and is not intended to provide specific advice to individuals. This document should not be construed and is not intended to provide advice about the Health Insurance Marketplace, dental options in the private insurance marketplace, Medicare and your health care choices. You should consult with your own advisor for guidance specific to your own situation.
3M does not endorse or recommend any particular insurance plan. Individuals are encouraged to investigate individual insurance plans themselves and make their own informed decision about which individual insurance plan is best for them. The insurance plan that individuals select is their own individual plan and is not sponsored or maintained by 3M and is not part of any plan or program established or maintained by 3M.
This document is not the official plan document for the plan, and in the event of any conflict, inconsistency or ambiguity between this information and the official plan documents, the terms of the official plan document will control. 3M reserves the right to modify, amend or terminate the benefit plan, in whole or in part, at any time.
Neither receipt of this document nor its use of the term “you” indicate eligibility for 3M benefit plans. Only those individuals who satisfy the eligibility requirements and other criteria contained in the official plan document are eligible to participate in a 3M benefit plan.
This document is prepared for U.S. non-Medicare eligible active employees considering retirement.
Human Resources 3M Center Building 0224-02-W-15 St. Paul, MN 55144-1000
Please recycle. Printed in U.S.A. © 3M 2018. All rights reserved.