Retiree Benefits: Frequently Asked Questions

Medical Benefits

Can I keep my Argonne Healthcare Plan when I become eligible for Medicare?
Yes, you can be covered under the Comprehensive Medical plan, Dental plan and Prescription Drug plans as long as you are covered under Medicare Parts A and B.

When I’m covered under Medicare and BCBS who is the primary payor?
Medicare will be the primary payor as long as you are over age 65 and not employed in a benefit eligible position.

Will the Argonne Retiree Healthcare Plan be a supplemental plan to Medicare Part A & B?
The Argonne Retiree Healthcare Plan will coordinate benefits with Medicare up to the allowed amount. To clarify: if the Argonne Blue Cross Blue Shield plan benefits are greater than the Medicare plan benefits, Blue Cross Blue Shield will pay the excess benefit to the provider.

What is the maximum out-of-pocket expense I will pay while covered under the Argonne Blue Cross Blue Shield Comprehensive Plan?
The annual maximum out of pocket amount is $2,550 which consists of the $300 plan deductible and the $2,250 maximum co-insurance amount. Co-insurance is cost sharing of an eligible expense: the Blue Cross Blue Shield plan pays 80% and the covered person pays 20% of the eligible expense.

Do I have to take the Medicare Part D Prescription Drug plan?
No. DO NOT enroll in the Medicare Part D Prescription Drug plan as it will disqualify you from the Argonne Healthcare Plan. The Argonne Prescription Drug Plan is considered to be a plan that is equal to or better than the Medicare Part D Prescription Drug plan.

Do I need to enroll in a Medicare Supplemental Plan?
It is your choice as to whether or not to enroll in a Medicare Supplemental Plan. Sometimes the premium you pay for this type of coverage does not justify the benefit you will receive. If you do enroll in a Medicare Supplemental Plan it will not affect your eligibility in the Argonne Retiree Healthcare Plan.

If I retired before age 65, what happens when I turn 65?
You will continue to be covered under the Argonne Retirement Healthcare Plan; however, your medical plan will change to the Blue Cross Blue Shield Comprehensive Plan (if you are in the HMO medical plan your prescription drug plan will also change). Prior to your 65th birthday you will be notified by Argonne of the new plan cost and you will be provided a summary plan description.

Can my spouse and dependents continue to be on the Healthcare Plan after I pass away?
As long as you have 15 years or more of service with Argonne in a benefit eligible position your spouse and dependents can continue to be covered under the Argonne Retiree Healthcare Plan.

Do I have to enroll in Medicare Part B when I am covered under the Argonne Retiree Healthcare Plan?
Yes, retirees and dependents that are eligible for, but not participating in Medicare Part B, are not eligible for the Argonne health plan. This provision does not apply if you have coverage through another employer healthcare plan.

What if I want to change the bank from which my medical premium is paid?
Contact Norm Rendon in Payroll at (630) 252-6919 or by email at nrendon@anl.gov.

When is it important to contact Argonne, and who do I call?
Call the Employee Benefits Department when you have to report:

  • an address or phone number change
  • a death of a retiree, spouse or eligible dependent who is covered under the healthcare plan
  • a divorce of a retiree

For retirees with the last name beginning with A-L, contact (630) 252-2985.
For retirees with the last name beginning with M-Z, contact (630) 252-2986.
For general Healthcare Plan information contact (630) 252-2991.

Argonne reserves the right to change, amend or eliminate the Healthcare Plan at any time for any reason.