Your Prescription
for a Healthy
Retirement
2009 Health Care Choices for
BorgWarner Retirees
Today’s Agenda
 Recap of what’s changing
 Pre-Medicare information
 BorgWarner pre-Medicare benefits
 Preview of BorgWarner post-65 benefits
 Next steps for pre-65 retirees
 Medicare information
 Introduction to UnitedHealthCare
 Medicare options education
 Next steps for Medicare retirees
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Icons to Help You
=
Important concept
=
Decision-support tools
=
Alerts you on “to do” items
www.BorgWarner.com/retirees
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Recap of What’s Changing & Why
 BorgWarner has NOT eliminated your
coverage; it’s being delivered differently
 Coverage is more flexible; choose individual
coverage that meets your health care needs
 Plans can vary for you and your dependents
 More choice and better options for coverage
are now available to retirees over 65
 United HealthCare’s role in helping you choose
 Tax-free reimbursement accounts
 Retiree Reimbursement Accounts (RRA)
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Recap of What’s Changing on 1/1/09
IF YOU ARE UNDER AGE 65
IF YOU ARE MEDICARE ELIGIBLE
Continue BorgWarner medical and Rx
coverage until Medicare eligible
Medicare continues to be
your primary coverage
If retired with 25 years of service
or more:
You pay 10%
BorgWarner pays 90%
If retired with less than 25 years
of service:
You pay 15%
BorgWarner pays 85%
Your BorgWarner supplemental
ends.
coverage
The company sets up a
Retiree Reimbursement Account (RRA)
United HealthCare, our Retiree Plan
Coordinator, is available to help you assess,
select and enroll in the Medicare Supplement
plan that is right for you.
The retiree’s benefit is based on the retiree’s age. The dependent’s benefit is
based on dependent’s age. Plans are individual, not by household.
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Borg Warner
Pre-Medicare
Coverage
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Retiree Pre-Medicare Coverage - BorgWarner
If you or your dependents are not eligible for Medicare…

You remain on a BorgWarner pre-Medicare health care plan until
Medicare-eligible
 CIGNA is your plan administrator

You will be required to complete a 2009 enrollment form during 4th
quarter 2008

Your Prescription Drug coverage will move to CIGNA health care from
Express Scripts

Health Plan questions should be directed to:
 1st - CIGNA
 2nd – See your Wallet Card
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Retiree Pre-Medicare Coverage - BorgWarner
PreMedicare
2008
1.
2.
Plan
Choices
3.
2009
PPO Plan
Choice Health Fund
(for retirees after
1/1/07)
POS (some locations)
(same as active employees)
Contribution
Share
5 tiers based on
years of service
Monthly $
Contribution
$12 - $450 single
$27 - $138 family
for PPO Plan
1.
2.
PPO Plan
Choice Health Fund
(same as active employees)
2 tiers based on
years of service
Estimated per member
$52* @ 10%
Compared
$78* @ 15%
to 41%
average
8
*assumes 5% trend on 2007 BW PreMedicare Plan experience
Call 1-800-929-2300
Retiree Pre-Medicare Coverage - BorgWarner
Plan details will be mailed to you during open enrollment
CORE PPO PLAN
Medical
CHOICE HEALTH FUND
In-network
Out-of-network
In-network
Out-of-network
Deductible
$400 single
$800 family
$800 single
$1,600 family
$1,500 single
$3,000 family
$3,000 single
$6,000 family
Coinsurance for
most services
80% after
Deductible
60% after
Deductible
80% after
Deductible
60% after
Deductible
Company-paid
HRA
Member Gap
(Deductible - HRA)
Out-of-Pocket
Maximum
(Includes deductible)
N/A
$750 single
$1,500 family
N/A
N/A
$750 single
$1,500 family
$2,250 single
$4,500 family
$3,000 single
$6,000 family
$6,000 single
$12,000 family
$3,000 single
$6,000 family
$6,000 single
$12,000 family
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Retiree Pre-Medicare Rx Coverage - BorgWarner
Plan details will be mailed to you during open enrollment
CIGNA Pharmacy
(30-day supply)
CIGNA Mail-order Service
(90-day supply/delivery)
$8
$16
Tier 2 - Preferred Brand
(Formulary)
$8 + 30%
30% to max of $150
Tier 3 - Non-Preferred Brand
$8 + 50%
50%
Coverage Level
Non-Specialty Drugs
Tier 1 - Generics
Specialty Drugs (30 day supply/mail order delivery)
Tier 2 - Preferred Brand
(Formulary)
30% to max of $50
Tier 3 - Non-Preferred Brand
50% to max of $100
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When you turn age 65…
PRE-MEDICARE
MEDICARE Age
• New RRA from BW helps pay for
Medicare supplement coverage
Before Medicare
Eligibility –
BW medical & Rx
coverage
• BW provides United HealthCare as a
Retiree Health Care Coordinator to help
you choose medical/Rx coverage and
enroll
Age 65
or Disability –
BW coverage ends
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Next Steps (For Pre-65)
Early
October
 2009 Enrollment Packet mailed
November
15th
 BorgWarner Pre-Medicare Enrollment
 Enrollment Form Must Be Returned to Have Coverage
December
 Receive your CIGNA medical ID cards
January 1
 Contribution changes take effect
 Begin sending premium payments to Premium Service Ctr
Now until
age 65
 Talk with others about their Medicare decisions
 Expect changes in the Medicare marketplace
3 months
before you
turn 65
 Apply for Medicare Part A & B
 Talk with UHC’s Retiree Health Care Coordinator to
determine the type of coverage that is best for you
 Enroll in the Medicare Plans you choose
Age 65
 Retirement Reimbursement Account established for you
 Medicare coverage begins
Call 1-800-929-2300
12
Rx for a Healthy Retirement
www.BorgWarner.com/retirees
Pre-Medicare
QUESTIONS?
?
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Prescription for a Healthy
Retirement: PART 2
Medicare
Part B
Medicare
Part C
Medicare
Part A
MedicareEligible
Retirees
Medicare
Part D
Retiree
Reimbursement
Account
Pre-Medicare
Coverage
Medigap
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August 2008
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Introducing UnitedHealthcare
Private Insurance
Provider of Medicare
Products
 Offers you Medicare
Advantage (Part C), Rx
(Part D) and Medigap
Plan Options
 Similar to other leading
providers such as
CIGNA, BlueCross
BlueShield, AETNA,
and Humana
RRA Administrator
 Manages the Retiree
Reimbursement
Account (RRA)
Retiree Health Plan
Coordinator
 Access to call center
and website
 Expert guidance to
help you choose
Medicare
Supplement Plan
that’s right for you
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Retiree
Reimbursement
Account
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Retiree Reimbursement Account
For Medicare-eligible employees, spouses and dependents
Overview
An account that reimburses you for qualified health care
premiums & expenses.
Credits to
your
account
When you become eligible for Medicare, the Company will
make a credit to your account each month. When your
spouse becomes eligible for Medicare, the Company will
make a credit into your spouse’s account each month.
Amount of
credits
$158.34/month for each Medicare eligible-person (may be
adjusted periodically to help offset inflation).
Interest
Your account does not earn interest.
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Retiree Reimbursement Account
For Medicare-eligible employees, spouses and dependents
Tax
advantages
You never pay taxes on the money credited to your account or
when you are reimbursed for qualified expenses. More value to
you than if the funds were paid to you as taxable income.
Using your
account
Money is paid from your account when you submit a claim for
reimbursement.
Eligible
expenses
Funds can be used for premiums for private health insurance, for
Medicare or Medigap premiums, and for any deductibles, copays
or coinsurance that may be left after your health insurance pays.
This includes Dental and Vision premiums not paid by the plans.
Year-end
If you don’t use all the money in your account by year end, it is
forfeited in March of the following year.
At Death
Accounts are closed when the account-holder dies. If you die
before your spouse, and your spouse is eligible for surviving
spouse benefits, your spouse’s account continues for his or her
lifetime.
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Your RRA Account
If you have questions about your
RRA, you can call the RRA Financial
Call Center at 866-214-5385
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Using Your RRA Account
BorgWarner
credits your
account monthly
You pay
premiums*
and out-ofpocket
medical
expenses
You send
your
receipt
and claim
form to
UHC
You receive
reimbursement
* If you choose UHC insurance, premiums will be deducted directly from your RRA
Call 1-800-929-2300
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Retiree Health Coordinator: Needs Assessment
United HealthCare helps you choose the best
Retiree Health Plan for you
How frequently do you access care?
Are you comfortable with
using a network provider?
Are there specific doctors
that need to be in the
network?
Would you prefer
complete freedom in
selection of the doctors
you see?
Are you looking for a plan that is very
similar to your current coverage? Or, are
you more interested in lower monthly
payments with predictable copayments?
Do you live in a different
state for part of the year?
Do you travel frequently
and/or internationally?
What specific
medications
you are taking
to verify
coverage under
our plan?
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Medicare Plan Options
Medicare
Part A
•Hospital stays
•Skilled nursing services
Medicare
Part B
•Doctor’s visits
•Outpatient medical services, such as labs.
Medicare
Part C
•Also known as Medicare Advantage.
•private insurers - PPOs, HMOs or other arrangements
•You must enroll in and pay for Part B coverage to get Part C coverage
Medicare
Part D
•Prescription Drug coverage
•Private insurance companies
Medigap
•Also known as
Medicare
Supplement Plan.
Private insurers
•“Fill in the gaps” of
Medicare Parts A
and B.
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What Do Medicare Plans Cost?
Opt Out/No Coverage
Individual Alternatives for Post-65 Health Coverage
AARP Medicare
Supplement
RX- “D”
$200
$175
$150
$125
$100
$75
$50
$25
$0
Medicare Advantage
“Part C Plan”
Monthly Health Care Cost Continuum
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Medicare Part A
 Automatic enrollment when you apply for
Social Security
 Provides help with the cost of hospital
stays
 Some skilled nursing services and care
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Medicare Part B – 2008
Medicare Part B Overview:
 $135 deductible
 80%/20% coinsurance
 Enrollment window
 3 months prior to birthday month
thru 3 months after birthday month
Be sure to
be in
Part B!
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Medicare Part B – 2008
The Part B premium is determined by an income test
Total monthly
premium
amount
Medicare members annual
income:
Medicare members joint tax return
income:
≤ $82,000
≤ $164,000
$96.40
> $82,000 and ≤ $102,000
> $164,000 and ≤ $204,000
$122.20
> $102,000 and ≤ $153,000
> $204,000 ≤ $306,000
$160.90
> $153,000 and ≤ $205,000
< $306,000 and ≤ $410,000
$199.70
> $205,000
> $410,000
$238.40
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Part C Plans – Advantage Plans
 Many Options offered by private
insurers…




Health Maintenance Organization Plans (HMOs)
Preferred Provider Organization Plans (PPOs)
Special Needs Plans (SNP)
Private Fee for Service Plans (PFFS)
 Annual enrollment period
 Replaces Medicare A&B
 Must be enrolled in A&B to get Part C Plan
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A Closer Look at HMO and PPO Plans
HMO-type plans
• Network of doctors and hospitals
• Primary care physician
• Some plans include prescription drug
coverage and additional benefits
PPO-type plans
• Have more freedom to choose
• Use network of doctors and hospitals
to receive the maximum benefit
• Outside the network a higher cost
• Some plans include prescription
drug coverage and additional
benefits
28
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Coordinated Care Plans
Special Needs Plans
• Designed for people with
special health care needs
CARE TEAM
• Residents of nursing homes
• People eligible for both
Medicare and Medicaid
• People with certain chronic
diseases such as diabetes or
heart disease
• Focus on helping members
receive more coordinated
care
• Holistic, proactive approach
• Specialized care team
• Enhanced education and
communication
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Private-Fee-For-Service Plans
•
•
•
Offered by private insurance
companies
No restrictions on which doctors or
hospitals you can use EXCEPT
Doctors and hospitals must accept the
terms, conditions and payment rates
of the private insurance company
•
•
•
•
Payment comes from the private fee-forservice plan not Medicare
Important to make sure your doctor or hospital
will accept terms, conditions and payment
rates from a specific plan each time you
receive services
Many plans may offer prescription
drug coverage
Many plans may offer additional
benefits beyond traditional Medicare
Parts A & B
30
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Medicare Advantage Plan Scenario #1
“Good Health” Hank – Age 67 – Illinois





Generally in good health
Takes 1 generic prescription drug each month, via mail order
No hospitalizations
4 primary care office visits per year
2 specialist office visits per year
Current BorgWarner Plan
Medicare Advantage Plan
Annual Medical Premium
$0
$0
Annual RX Premium
$0
$0
Drug Cost Share (mail)
$64
$48
($16 x 4 orders)
($12 x 4 orders)
$0
$0
$430
$88
($400 deductible then 20%)
($8 PCP x 4, $28 Specialist x 2)
$494
$136
$0
($1,900)
$494
$0 with $1,764 remaining for
other expenses
Hospital Cost Share
Office Visit Cost Share
SUB TOTAL
Annual RRA Credit
TOTAL ANNUAL
COST TO YOU
31
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Medicare Advantage Plan Scenario #2
“Moderate” Mildred, Age 81, Central New York
 Takes 2 generic drugs and 1 preferred brand-name drug each month, via mail
order
 1 hospital stay, length of 3 days
 3 primary care office visits per year
 8 specialist office visits per year
Current BorgWarner Plan
Medicare Advantage Plan
Annual Medical Premium
$0
$0
Annual RX Premium
$0
$0
$372
$482
($16 x 2 x 4 orders + $61 x 4 orders)
($12 x 2 x 4 orders + $84 x 4 orders)
$1,024
$975
($400 deductible then 20%)
($325 daily copay x 3)
$245 (20%)
$270 ($10 PCP x 3, $30 Specialist x 8)
$1,641
$1,677
$0
($1,900)
$1,641
$0 with $223 remaining for
other expenses
Drug Cost Share
Hospital Cost Share
Office Visit Cost Share
SUB TOTAL
Annual RRA Credit
TOTAL ANNUAL
COST TO YOU
32
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Medicare Advantage Plan Scenario #3
“Chronic Condition” Carol, Age 66, Michigan
 Takes 5 generic drugs and 2 preferred brand-name drugs each month, via mail
order
 2 hospital stays, total of 5 days
 12 primary care office visits per year
 10 specialist office visits per year
Current BorgWarner Plan
Medicare Advantage Plan
Annual Medical Premium
$0
$0
Annual RX Premium
$0
$0
$808
$1,362
($16 x 5 x 4 orders + $61 x 2 x 4 orders)
($12 x 5 x 4 orders + $84 x2 x 4 orders +
$450 for brand in cvg gap)
$1,900
$625
($400 deductible then 20%)
($125 copay x 5)
$0 (mbr reached annual OOP max)
$260 ($5 PCP x 12, $20 Specialist x 10)
$2,708
$2,247
$0
($1,900)
$2,708
$347
Drug Cost Share
Hospital Cost Share
Office Visit Cost Share
SUB TOTAL
Annual RRA Credit
TOTAL ANNUAL
COST TO YOU
33
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Medicare Advantage Plan Scenario #4
“Specialty Drug” Sam, Age 69, Florida
 Takes 2 generic drugs at retail, plus 1 non-preferred specialty drug
 1 hospital stay, length of 3 days
 12 primary care office visits per year
 5 specialist office visits per year
Current BorgWarner Plan
Medicare Advantage Plan
Annual Medical Premium
$0
$0
Annual RX Premium
$0
$0
$7,392
$4,579
($8 x 5 x 12 orders + 50% specialty drug @
$1200 per month)
($4 x 2 x 12 orders + 33% of specialty up to
gap + 5% specialty after OOP)
$1,024
$300
($400 deductible then 20%)
($100 copay x 3)
$305 (20%)
$220 ($10 PCP x 12, $20 Specialist x 5)
$8,721
$5,099
$0
($1,900)
$8,721
$3,199
Drug Cost Share
Hospital Cost Share
Office Visit Cost Share
SUB TOTAL
Annual RRA Credit
TOTAL ANNUAL
COST TO YOU
34
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Medigap
35
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AARP Medigap Options
2008 AARP MEDICARE SUPPLEMENT PORTFOLIO
A
B
C
D
E
F
G
H
I
J
K3
L4
x
x
x
x
x
x
x
x
x
x
1
2
x
x
x
x
x
x
x
x
x
50%
75%
Skilled-Nursing Coinsurance
x
x
x
x
x
x
x
x
50%
75%
Foreign-Travel Emergency
x
x
x
x
x
x
x
x
x
x
x
80%
100%
100%
x
x
x
PLAN
Basic Benefits:
Hospitalization: Part A coinsurance + 365
additional days after Medicare benefits end
Medical-Expenses: Part B coinsurance
Blood: First three pints of blood each year
Part A Deductible
At-Home Recovery
x
100%
Part B Excess Charges
Part B Deductible
x
x
Preventive Care
x
x
Average Monthly Premium
(2008 nationally weighted averages)
$112
$14
6
$172
$157
$161
$171
$161
$158
$166
$178
$79
$113
2008 Membership - % of Total Enrolled
4%
4%
25%
2%
3%
42%
2%
.7%
3%
13%
.4%
.3%
1] $4,440 maximum out of pocket, indexed to Medicare costs
[2] $2,220 maximum out of pocket, indexed to Medicare costs
X = Covered in Full
The above rates are monthly premium 2008
national weighted averages
“Best Seller/Value”
Call 1-800-929-2300
36
AARP Medigap Options
Enrollment Into Medigap
 When turn 65 AND enroll in Medicare B, guaranteed
right to buy a Medigap policy for next six months.
 Miss window, you can apply at later date but risk rejection for
health history or paying a higher premium
37
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Medigap Plan Scenario #1
“Good Health” Hank – Age 67 – Illinois
 Takes 1 generic prescription drug each month, via mail order
 No hospitalizations
 4 primary care office visits per year
 2 specialist office visits per year
Current BorgWarner Plan
Medicare Advantage
Plan
Medigap Plan L +
Pfd Part D Rx Plan
Annual Medical
Premium
$0
$0
$1,121
Annual RX Premium
$0
($93.42 X 12)
$0
$360
($30 X $12)
Drug Cost Share
Hospital Cost Share
Office Visit Cost Share
$64
$48
$0
($16 x 4 orders)
($12 x 4 orders)
($0 X $4 orders)
$0
$0
$0
$430
$88
$239
($400 deductible then 20%)
($8 PCP x 4, $28 Specialist x
2)
($135 deductible then 25%)
$494
$136
$1,720
Annual Account
Balance
$0
($1,900)
($1,900)
TOTAL ANNUAL
COST TO YOU
$494
$0 with $1764 remains
for other expenses
$0 with $180 remaining
for other expenses
SUB TOTAL
Call 1-800-929-2300
38
Medigap Plan Scenario #2
“Moderate” Mildred, Age 81, Central New York



Takes 2 generic drugs and 1 preferred brand-name drug each month, via mail order
1 hospital stay, length of 3 days
3 primary care office visits per year & 8 specialist office visits per year
Current BorgWarner Plan
Medicare Advantage Plan
Medigap Plan L +
Pfd Pt D RX
Annual Medical
Premium
$0
$0
$1,200
Annual RX Premium
$0
($100.26 x 12)
$0
$358
($29.80 x 12)
Drug Cost Share
$372
$482
$300
($16 x 2 x 4 orders + $61 x 4
orders)
($12 x 2 x 4 orders + $84 x 4
orders)
($0 x 2 x 4 orders + $75 x 4
orders)
$1,024
$975
$256
($400 deductible then 20%)
($975 ($325 copay x 3)
(25% of Part D deductible)
$245 (20%)
$270 ($10 PCP x 3, $30
$407
Specialist x 8)
($135 deductible, 25%)
$1,641
$1,677
$2,524
Annual Account
Balance
$0
($1,900)
($1,900)
TOTAL ANNUAL
COST TO YOU
$1,641
$0 with $223 remains for
other expenses
$624
Hospital Cost Share
Office Visit Cost Share
SUB TOTAL
39
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Medigap Plan Scenario #3
“Chronic Condition” Carol, Age 66, Michigan




Multiple chronic illnesses
Takes 5 generic drugs and 2 preferred brand-name drugs each month, via mail order
2 hospital stays, total of 5 days
12 primary care office visits per year & 10 specialist office visits per year
Current BorgWarner
Plan
Medicare Advantage
Plan
Medigap F + Enhanced
Pt D RX
Annual Medical
Premium
$0
$0
$1,348
Annual RX Premium
$0
($112.35 x 12)
$0
$768
($64 x 12)
Drug Cost Share
Hospital Cost Share
Office Visit Cost Share
SUB TOTAL
Annual RRA Credit
TOTAL ANNUAL
COST TO YOU
$808
$1,362
$1,050
($16 x 5 x 4 orders + $61 x 2 x 4
orders)
($12 x 5 x 4 orders + $84 x2 x 4
orders+$450 for brand cvg gap)
($0 generic x 5 x 4 = $75 x 2 x 4
+ $450 brand drug in cvg gap)
$1,900
$625
$0
($400 deductible then 20%)
($125 copay x 5)
$0
$260
$0
(mbr reached annual OOP max)
($5 PCP x 12, $20 Spclist x 10)
(plan pays Pt B deductible &
coinsurance)
$2,708
$2,247
$3,166
$0
($1,900)
($1,900)
$2,708
$347
$1,266
40
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Medigap Plan Scenario #4
“Specialty Drug” Sam, Age 69, Florida
 Takes 2 generic drugs at retail, plus 1 non-preferred specialty drug
 1 hospital stay, length of 3 days
 12 primary care office visits per year
 5 specialist office visits per year
Current BorgWarner Plan
Medicare Advantage
Plan
Medigap L + Enhanced
Pt D Rx
Annual Medical Premium
$0
$0
$1,200 ($100.03 x 12)
Annual RX Premium
$0
$0
$732 ($61 x 12)
$7,392
$4,579
$4,651
($8 x 5 x 12 orders + 50% specialty
drug @ $1200 per month)
($4 x 2 x 12 orders + 33% of
specialty up to gap + 5%
specialty after OOP)
($7 x 2 x 12 + 33% specialty to
gap, 5% after OOP)
Drug Cost Share
Hospital Cost Share
Office Visit Cost Share
$1,024
$300
$256
($400 deductible then 20%)
($100 copay x 3)
(25% of Part D deductible)
$305 (20%)
$220 ($10 PCP x 12, $20
$482 ($135 deductible + 25%)
Specialist x 5)
SUB TOTAL
Annual RRA Credit
TOTAL ANNUAL
COST TO YOU
$8,721
$5,099
$7,321
$0
($1,900)
($1,900)
$8,721
$3,199
$5,421
41
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Medicare
Part D
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Sample AARP MedicareRx Preferred –
2008 Part D Plan
Ideal for 70%+ of BorgWarner seniors…
Tier
Type
Member Cost
Monthly premiums vary by region: $26.60 - $38.30 per member
$0 annual deductible
Retail
Mail Order*
1
Generic
$7 copay
$0 copay
2
Preferred Brand
$30 copay
$75 copay
3
Non-Preferred Brand
$69.15 - $80.70 copay
$192 - $227 copay
4
Specialty Drugs
33% coinsurance
33% coinsurance
Great deal!
• Benefits shown above apply until the total cost (paid by you and the Plan) of prescriptions
received reaches $2,510 in eligible expenses. You will be responsible for 100% of the cost
until your out of pocket expenses reach $4,050.
• Catastrophic coverage in accordance with Medicare regulations.
* Mail Order – up to 90 day supply; members may also obtain a 90 day supply at network retail pharmacies
for the same copayment
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AARP MedicareRx Plan Offers A Broad Formulary
 99% of Part D allowable drugs are in our current
formulary structure
 Drug exclusions include:
 Drugs ending in “am” used to treat anxiety
 Alprazolam
 Clonazepam
 Erectile dysfunction drugs
 Folic acid
 Cough/cold symptom relievers
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AARP MedicareRx Plan
How does it work at the pharmacy?
 Brand preferred drug costs $75
 You pay $30 copay
 Plan pays $45
 $75 applies toward the $2510
 Brand non-preferred drug costs $150
 You pay $75.40 copay
 Plan pays $74.60
 $150 applies toward the $2510
Full cost of
the Rx
counts
toward
$2,510
 Generic drug costs $15
 You pay $7 copay
 Plan pays $8
 $15 applies toward the $2,510
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RX Coverage – Donut Hole Example
“Donut Hole”
Cost Sharing
Catastrophic
Plan Pays
+
= $2,510
You Pay
100%
$4,050
Plan Pays
95%
You Pay
You Pay
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Choosing Rx Coverage
 Annual enrollment period
 Comparing Prescription Drug options is
complicated
 Use calculator at www.medicare.gov
 Talk with UHC
 Comparison-shop
 Be sure you understand how the prescription drug
plan you select works!
 If considering a Medicare Advantage (Part C) plan
that includes both medical & Rx coverage, you may
not need a Part D plan – so consider it when
comparison-shopping
47
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Special Note about Rx
You need new Rx coverage for 2009!
BW Rx coverage
12/31/08 –
BW coverage ends
 Be sure you arrange for prescription drug coverage for
2009 – enrollment is not automatic!
 Medicare Part C – Medicare Advantage Plan – with “built in”
prescription drug coverage; or
 Part D (AARP MedicareRx Preferred)
 If you don’t enroll for 2009, you’ll generally have to pay
a higher premium to receive coverage in future years
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Your Retiree Health Plan Coordinator
 United HealthCare can provide expert guidance
to help you choose and enroll in the health plan
that is right for you
 Knowledgeable representatives who understand
retirees and retiree health care choices
 No cost – you do not receive a discount or pay
extra in premium for plans selected with the help of
a Coordinator
 Reach by phone or Web
 1-800-929-2300
 www.aarpmedicaresolutions.com
Remember, at the very least, enroll in Part B, and
Part D or a Medigap Plan before 12/31/08!
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Enrollment into Your Plan Choices
 Once you’ve selected a plan you will receive a personalized
enrollment kit sent to your home from United HealthCare
 1-800-929-2300 number available to answer questions
and/or provide assistance with application
 Contact call center or refer to Medicare Made Easy booklet for
Medicare enrollment periods
 Once enrollment is processed, you will receive a Welcome
Kit that includes your ID card
 Enrollment is effective January 1st
50
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What Happens Next
Now
 Access to UHC’s Retiree Health Plan Coordinator Call
Center and online Decision Tools
Late August
 Educational letter and AARP Medicare Made Clear
information mailed to you from UHC
Mid-September
 Retiree Packet outlining options and action items
mailed to you from UHC
October
 UHC will hold one-on-one sessions with Retiree Health
Plan experts in major cities
 Eligible to enroll in a Medicare Advantage or
Prescription Drug plan
Special BorgWarner
Retiree UHC Plan
Enrollment Period
November 15December 31
Enrollment period for
non-UHC Medicare plans
 National Medicare open enrollment period
(Every year, you automatically will be re-enrolled in
your 2009 choice, unless you make a change)
December 31
 BorgWarner post-65 coverage ends
January 1
 Retiree Reimbursement Accounts opened
 New Medicare Plan starts
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Summary
 Watch for information in your mail box
 Pre-Medicare – information from BorgWarner
 Medicare – information from United HealthCare’s programs:
 Secure Horizons
 AARP Medicare Solutions
 Optum Health Financial Services
 Refer to your wallet card
 We expect that this retiree medical program will benefit our
retirees for a long time into the future, but we reserve the
right to change or even terminate the program if it becomes
necessary or appropriate for business, legal or other
reasons determined by BorgWarner
52
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Your Prescription for a Healthy
Retirement
2009 Health Care
Choices For
BorgWarner
Retirees
?
?
? ?
?
www.BorgWarner.com/retirees
Call 1-800-929-2300
?
?
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