Health Insurance Resource Guide · 2018-11-12 · Your state Health Insurance Marketplace is a...

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

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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.

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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

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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

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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.

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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

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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

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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.

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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.

http://www.deltadentalmn.org/3m-retirees/

http://www.aarphealthcare.com/insurance/dental-insurance.html

http://www.aarphealthcare.com/insurance/dental-insurance.html

http://www.renaissancedental.com/

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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

http://www.healthcare.gov/

http://www.brighthealthplan.com/


http://www.premera.com/


http://www.azblue.com/

http://www.cigna.com/

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California www.coveredca.com Anthem Blue Cross www.anthem.com/ca 888-553-5423

Blue Shield of California www.blueshieldca.com 888-273-0010


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



Denver Health Medical Plan www.elevatehealthplans.org 855-823-8872

Friday Health www.fridayhealthplans.com 844-451-4444


http://www.coveredca.com/

http://www.kp.org/

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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


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


Ambetter from Peach State Health Plans ambetter.pshpgeorgia.com 877-687-1180

Hawa

http://www.accesshealthct.com/

http://www.bcbsfl.com/


http://www.molinahealthcare.com/

http://www.bcbsga.com/


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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


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

http://www.regence.com/

http://www.bcbsil.com/


http://www.healthalliance.org/

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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


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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

http://www.tuftshealthplan.com/


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


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

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http://www.bluecrossmn.com/

http://www.medica.com/



http://www.bcbsmt.com/

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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


http://www.nevadahealthlink.com/





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


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


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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



http://www.healthcare.go/


Oregon www.coveroregon.com

www.healthcare.gov

BridgeSpan www.bridgespanhealth.com 800-750-0846


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

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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


Celtic Insurance Company www.celtic-net.com 800-477-7870




http://www.southcarolinablues.com/


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


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

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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


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.

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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.

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