Retiree Health Reimbursement Arrangement Plan

Eligibility

Eligible retirees who satisfy the service and age requirements outlined in the Retiree Health Reimbursement Account Summary Plan Description (Retiree HRA SPD) are eligible to purchase health insurance through Via Benefits, and may also be eligible to participate in the Retiree Health Reimbursement Arrangement Plan (HRA).

Your eligibility for the HRA plan will be determined at the time of your retirement.

When you retire, the Administrative Office will notify Via Benefits of your eligibility. You will receive materials in the mail from Via Benefits, and they will contact you by phone to set up a pre-enrollment consultation.

If you are considering retirement, contact the Administrative Office to discuss your eligibility and enrollment options.

You should also contact the Administrative Office when:

• You have a loss of other coverage
• You return to active employment after retirement

Contact the Administrative Office by phone at (800) 276-1246 or (907) 276-1246. You can also email: pension@aetf.com

The Retiree Health Reimbursement Arrangement (HRA) Plan

A Health Reimbursement Arrangement (HRA) is a reimbursement account the Fund establishes on your behalf, if you are eligible. Each year, the Fund credits a specific dollar amount to your HRA to help cover the cost of eligible health care expenses for you and your eligible dependents. You can use the Retiree HRA for any eligible health costs you and your eligible dependents incur that are not otherwise reimbursable by other medical coverage. These expenses must be incurred while the Plan remains in effect, you are eligible, and participate in the Retiree HRA Plan.

Eligibility

Employees who participated in the Fund’s Plan for active members and their spouses are eligible to participate in the Retiree HRA Plan if they have satisfied the requirements outlined in the Retiree Health Reimbursement Account Summary Plan Description (Retiree HRA SPD).

Dependents

• If you are under age 65 and not yet Medicare-eligible, you may choose a insurance plan from the Via Exchange that provides coverage for your dependents. Your dependent’s eligibility will be determined by the insurance plan you choose.
• If you are Medicare-eligible, your dependents cannot participate in an insurance plan purchased on the Via Exchange with your HRA.
• If your spouse is Medicare-eligible, they may choose their own insurance plan using funds in your HRA. (Alternatively, if they are under age 65 and not yet Medicare-eligible, your spouse may elect their own insurance plan in Via Benefits’ non-Medicare marketplace.)

The Fund makes separate Contributions for you and your spouse but does not make any contribution on your dependents other than your spouse.  See the Eligibility section of the Retiree Health Reimbursement Account Summary Plan Description (Retiree HRA SPD) for complete details.

Enrollment

Your first opportunity to enroll in the Retiree HRA Plan is when you retire if you meet the Plan’s eligibility requirements. You may enroll later if you still meet the plan’s eligibility requirements. If you do not enroll in the Retiree HRA Plan at the time of retirement, you may only enroll in the future if you still meet the eligibility requirements.

See the Enrollment section of the Retiree Health Reimbursement Account Summary Plan Description (Retiree HRA SPD) for complete details.

Allocations

Each year, the Board of Trustees will determine the amount to be allocated to an eligible retiree and spouse. One HRA will be established for both you and your spouse. Allocations will be credited each calendar quarter to your HRA.

At any time, the participant may receive reimbursement for eligible health care expenses up to the full amount in his or her HRA.

Unused funds remaining in your HRA for the year will be available to reimburse eligible health care expenses incurred during the calendar year until June 30 of the following year. Following that, those unused contributions will be forfeited.

Remaining HRA contributions can only be distributed through reimbursement of actual eligible health care expenses incurred while you are eligible. You may opt out of future allocations to the HRA at least annually.

See the Contributions section of the Retiree Health Reimbursement Account Summary Plan Description (Retiree HRA SPD) for complete details.

Eligible Expenses

Eligible health care expenses include the premiums you pay for insurance and certain out of pocket expenses.

Premium expenses for: medical, prescription drug, and Medicare Part B incurred while you are eligible for the Retiree HRA can be submitted for reimbursement.

Out of Pocket expenses for: Health care, prescription and over-the-counter drugs and supplies incurred while you are eligible for your funding program can be submitted for reimbursement.

See the Eligible Expenses section of the Retiree Health Reimbursement Account Summary Plan Description (Retiree HRA SPD) for examples of eligible expenses.

If you have questions about whether an expense is eligible, contact Via Benefits. Their phone lines are open from Monday-Friday: 4am – 3pm AKDT.

Pre-65 Non-Medicare	Medicare age (65 and up)
(800) 849-4163 www.marketplace.viabenefits.com/Alaska	(800) 849-4158 www.my.viabenefits.com/Alaska

Another resource that may be helpful is IRS publication 502 – Publication 502, that explains the itemized deduction for medical and dental expenses that you claim on Schedule A (Form 1040).

How to Use the HRA

When you pay for an eligible health care expense, you want to put your HRA to work right away. Via Benefits gives you several options to use your resources the way you choose.

Using Your Smartphone or Mobile Device

Using the Via Benefits mobile app, you can submit claims, upload, and submit receipts, and check your account balance any time.

To use the Via Benefits mobile app:

Visit the App Store or Google Play Store to download the Via Benefits Accounts mobile app.

Log in to your account. If you normally access the website through the Fund (using single sign-on), you’ll need to create a login ID and password to use the mobile app.

Check your balance, request reimbursement, upload receipts and check claim status, among other activities. All activities are easily accessible from the app home screen.

Using the Via Benefits Website

Using the Via Benefits website means you do not need to fill out a paper claim form. It’s quick, easy, secure, and available 24/7/365.

Pre-65 and Non-Medicare Eligible: www.marketplace.viabenefits.com/Alaska

Medicare Eligible (65 and up): www.my.viabenefits.com/Alaska

Once you’ve logged in:

You’ll be asked to provide details about the claim, including date of service, reimbursement/payment amount, and provider. You’ll also choose whether to reimburse yourself or pay the provider and you’ll upload/attach your receipt or EOB.

See the How to Use the HRA section of the Retiree Health Reimbursement Account Summary Plan Description (Retiree HRA SPD) for how to submit paper claims, and what information to include with your claim.

Notifying the Administrative Office

When you are ready to retire, contact the Administrative Office. To ensure timely commencement of benefits, you should do so no fewer than three months prior to your intended retirement date. You can elect to begin your Retiree HRA Plan participation as long as you are eligible. They will connect you with Via Benefits who will assist you in purchasing your individual medical plan, and help you determine if you are eligible to participate in the Fund’s Retiree Health Reimbursement Arrangement (HRA) Plan.

Contact the Administrative Office by phone at (800) 276-1246 or (907) 276-1246. You can also email: pension@aetf.com