for intEl rEti 2018 AnnuAl EnrollmEnt GuidE · Pur P os E A nd cont E nts It’s time for you and your family to review your benefit choices from Intel and make your Annual Enrollment

For Intel retIrees 2018 AnnuAl EnrollmEnt GuidEIntel’s Retiree Benefits Annual Enrollment is November 1–30, 2017

New changes: Make quality choices to optimize your health benefits

PurPosE And contEnts

It’s time for you and your family to review your benefit choices from Intel and make your Annual Enrollment decisions for 2018. This Guide is intended to help you find a healthcare plan option that best meets your needs. To help guide your experience, we’ve divided this guide into seven sections. Section 1 describes the Intel Retiree Medical Plan (IRMP) option for non-Medicare eligible Intel retirees (typically those under age 65). Section 2 describes the health plan options for Medicare eligible Intel retirees (typically those age 65 and older). Section 3, covers the vision and dental options, while the Sheltered Employee Retirement Medical Account (SERMA) can be found in section 4. Section 5 is focused on use of Health Savings Accounts (HSA). Eligibility details are noted in Section 6, and Section 7 covers enrollment and other valuable information and resources.

Starting November 1, 2017, you and your family will have access to additional decision support tools and resources available through the My Health Benefits website. We hope you’ll take time to carefully read through this Guide and use all the resources available to you to make quality, informed benefit choices.

contEntsIntroduction 1

Section 1: Non-Medicare Eligible Retiree 2

Section 2: Medicare Eligible Retiree 4

Section 3: Vision and Dental 6

Section 4: Sheltered Employee Retirement Medical Account (SERMA) 8

Section 5: Health Savings Accounts (HSAs) 9

Section 6: Eligibility 10

Section 7: Enrollment, Information, and Resources 10

1

introductionOver 80% of large employers do not provide

health benefits to their retired workforce.* Intel

is different—we continue to offer our retirees

access to high-quality benefit choices. But as

U.S. healthcare costs** continue to rise, Intel

must make important changes to keep Intel

plan options affordable and sustainable. Keep

reading for more details on these changes in

the sections that follow.

* Large Employer Health Benefits Survey: Expectations for 2018; UBS August 14, 2017; A.J. Rice et al.** Intel is passing on a 6.8% increase for active employees in 2018, consistent with the national trend of 5-8%. The Intel Retiree Medical Plan (IRMP) is experiencing larger

increases due to low enrollment and high utilization.

2 Intel’s Retiree Benefits Annual Enrollment Guide

non-mEdicArE EliGiblE rEtirEEWhen the Affordable Care Act launched the Health Insurance Market-place (“Marketplace”) in 2013, Intel modified SERMA rules to allow the use of SERMA credits for premiums outside the Intel Retiree Medical Plan (IRMP). These modifications gave you the ability to purchase healthcare from the Marketplace, and provided options in addition to the IRMP to maximize your SERMA credits.

Intel offered the IRMP Cigna Coinsurance plan as an alternative to the Marketplace. Today, with medical inflation and higher-than-market increases over the past few years, the Coinsurance plan is no longer a sustainable option. So, beginning January 1, 2018, we are replacing the IRMP Cigna Coinsurance plan with an IRMP Cigna High Deductible Health Plan (HDHP). This shift to an HDHP is consistent with the changes* we’ve made to active employee health plan options.

By focusing on innovative plan designs like the HDHP model, Intel has been successful with holding costs flat, or passing on low, single-digit increases to our active employees. We expect the change to an HDHP for our non-Medicare retiree plan to have a similar impact. With the change to an HDHP, Intel is able to hold premiums flat, so you won’t experience an increase in 2018.

What Stays the Same?

• Provider network – you’ll continue to have access to the Cigna PPO provider network—which means you can keep the same doctors, specialists, and other healthcare providers you know and trust.

• Benefit coverage – there is no change in covered services or prescription drug formulary,** so you’ll have access to the same quality benefits you and your family are accustomed to receiving.

• Monthly premium – there will be no premium increase for 2018.

Are you under age 65 and not eligible for Medicare? If yes, this section is for you.

2018 Monthly Premium

You Only, Spouse Only,1 Child(ren) Only2

You + Spouse, You + Child(ren), Spouse + Child(ren)

You + Spouse + Child(ren)

$1,088 $2,176 $3,264

1 For a complete description of the spouse and dependent eligibility requirements, refer to the IRMP and SERMA Summary Plan Description (SPD) available on My Health Benefits website.

2 Same price for one child or multiple children.

* The Cigna Primary Care Plus plan will no longer be an available health plan option to active employees after December 31, 2018. The HDHP is the health plan option of choice for active employees with over 78% enrolled.

** Formulary status of your medications may change based on the market and new product launches (e.g. generic becomes available). To find current formulary status of your medications, go to www.express-scripts.com/inteloe or call Express Scripts at 800-899-2713.

Watch This On-Demand Webinar About 2018 Changes

Watch the 2018 IRMP Cigna HDHP on-demand webinar for information on the new plan and what’s changing for you.

Visit www.intel.com/ employee/retiree to learn more.

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What’s Changing?

• New plan design – The IRMP Cigna HDHP is replacing the IRMP Cigna Coinsurance Plan. If you’re currently enrolled in the IRMP Cigna Coinsurance Plan and do not make any changes during the Annual Enrollment window, you and your covered dependents will be enrolled automatically in the IRMP Cigna HDHP effective January 1, 2018.

• Prescription drug costs – The biggest difference is when and how you pay. Under the IRMP Cigna HDHP, you pay the actual cost (not a copay) for covered prescriptions until you meet your annual deductible. To understand the impact this change will have on your costs, go to express-scripts.com or call: 800-899-2713. Visit the open enrollment website at www.express-scripts.com/inteloe and follow the link to the IRMP Cigna HDHP. See examples of how the prescription benefit works below.

• Vision Service Plan (VSP) – Vision Plus premiums – Monthly premiums are increasing to $16.50, $33, and $37.

• Health Savings Account (HSA)* option – With the IRMP Cigna HDHP, you can open an HSA with HealthEquity and set aside tax-advantaged dollars you can use for qualified health and medical expenses. See section 5 for more details.

* HSA is not an Intel-sponsored benefit; eligibility requirements apply, and contribution limits are set by the IRS.

Health Plan Cost Comparison of New Plan to Old Plan

NEW PLAN IRMP Cigna HDHP* OLD PLAN IRMP Cigna Coinsurance Plan

Annual Deductible • $1,495 You only• $3,000 You + Child(ren)• $3,755 You + Spouse or Family• Combined in- and out-of-network deductible

• $600 Individual• $1,200 Family• Separate in- and out-of-network deductible

Coinsurance 10% in-network; 40% out-of-network 20% in-network; 40% out-of-network

Out-of-Pocket Maximum • $2,245 You only• $4,485 You + Child(ren)• $5,555 You + Spouse or Family• Combined in- and out-of-network out-of-pocket

maximum

• $3,000 Individual• $6,000 Family• Separate in- and out-of-network out-of-pocket

maximum

Prescription Benefit Actual cost of the drug while in the deductible, 10% coinsurance after deductible is met

$10 copay generic (retail), 20% coinsurance/ $25 minimum preferred brand; 40% coinsurance/ $40 minimum non-preferred brand

Prescription Cost Comparison of New Plan to Old Plan

NEW PLAN IRMP Cigna HDHP

OLD PLAN IRMP Cigna Coinsurance Plan

Example Drug Name and Strength Your Cost

Retail Pharmacy(Up to 34-day supply)

Costco/Walgreens/Mail(90-day supply)



Humilog 10 ml vial(Brand Formulary)

BEFORE deductible is met

$253.82 $761.47 $50.76 $150.00

AFTER deductible is met $25.38 $76.14 $50.76 $150.00

Atorvastatin 80 mg (Generic)

BEFORE deductible is met

$11.44 $30.29 $10.00 $20.00

AFTER deductible is met $1.14 $3.02 $10.00 $20.00

* For more information on the IRMP Cigna HDHP go to www.intel.com/go/myben or call the Intel Health Benefits Center at 877-GoMyBen (466-9236).

Note: Drug cost pricing is for example purposes only; actual cost may vary.

The chart below shows the difference between the IRMP Cigna Coinsurance Plan (which is no longer available after December 31, 2017) and the new IRMP Cigna HDHP. You will see that the plans work similarly. While the new plan has a higher annual deductible, in-network coinsurance amounts and out-of-pocket maximums are less.

The IRMP Cigna HDHP is most similar to a

in the Marketplace. Individual Marketplace Gold plan premiums range between $1,100 and $1,500 per month.*

Gold PlAn

* Premiums vary based on home zip code.

http://www.express-scripts.com/inteloehttps://www.intel.com/content/www/us/en/employee/services-benefits.html


mEdicArE EliGiblE rEtirEEIf you or your spouse/dependents are eligible for Medicare, you can enroll in the IRMP Cigna Indemnity with Rx Plan or the IRMP Cigna Indemnity without Rx Plan. Both IRMP Cigna Indemnity plans coordinate with Medicare, which means the Indemnity plans will not pay benefits that are normally paid by Medicare.

What Stays the Same?

• IRMP Cigna Indemnity without Rx (excludes prescription drug coverage) – There are no changes to the plan this year, and monthly premiums will remain the same. Note: Because this option does not include prescription drug coverage, we strongly recommend that you purchase a Medicare Part D plan to obtain prescription drug benefits. Medicare Open Enrollment ends December 7, 2017. See page 5 for plan details.

• Catastrophic Rx HRA – You also get peace of mind through the Catastrophic Prescription Health Reimbursement Arrangement (HRA). While no enrollment or election is necessary, you must be enrolled in Medicare Part D prescription drug coverage to receive reimbursement through the Catastrophic Rx HRA. See page 6 for details.

What’s Changing?

• IRMP Cigna Indemnity with Rx (includes prescription drug coverage) – While you’ll continue to have access to the Intel benefits you and your family are accustomed to receiving, premiums for the IRMP Cigna Indemnity with Rx plan will increase 14%. The robust formulary that comes with this option is one of its most attractive features, but also the most costly. Across the U.S., prescription drug costs are skyrocketing—with the average prescription drug price doubling in the last seven years. This is the largest contributing factor to this year’s cost increase.

• Vision Service Plan (VSP) – Vision Plus premiums – Monthly premiums are increasing to $16.50, $33, and $37.

Are you eligible for Medicare, typically age 65 and older? If yes, this section is for you.

2018 Monthly Premium – IRMP Cigna Indemnity without Rx


You + Spouse, You + Child(ren), Spouse + Child(ren) You + Spouse + Child(ren)

$188 $375 $562

2018 Monthly Premium – IRMP Cigna Indemnity with Rx


You + Spouse, You + Child(ren), Spouse + Child(ren) You + Spouse + Child(ren)

$665 $1,330 $1,995





There are many options available through the Medicare Exchange. As a Medicare eligible retiree, we encourage you to explore all your available options. Visit www.medicare.gov for more information, or call 800-633-4227.

Resources are also available through the Aon Retiree Health Exchange to assist you. Benefits Advisors can help you navigate the many comparable plans, if you’d like to choose one by December 7, 2017.

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5

Prescription Coverage Medicare IRMP Cigna Indemnity with RxIRMP Cigna Indemnity without Rx

Medicare Prescriptions are not covered (available via Medicare Part D)

See Prescription Benefit below Prescriptions are not covered

Out-of-Pocket Maximum Prescriptions are not covered (available via Medicare Part D)

None – See Prescription Benefit below

Prescriptions are not covered

Formulary (list of planapproved drugs)

Prescriptions are not covered (available via Medicare Part D)

Please review atwww.express-scripts.com/intel


Pharmacy Network Prescriptions are not covered (available via Medicare Part D)

Please review atwww.express-scripts.com/intel


Prescription Benefits – IRMP Cigna Indemnity with Rx ONLY



Retail Penalty*(Up to 34-day supply)

Generic $10 $20 $20**

Preferred Brand $20 $40 $40**

Non-Preferred Brand $30 $60 $60**

Benefit Summary – IRMP CIGNA Indemnity with Rx AND without Rx Additional details available at www.intel.com/go/myben or in the SPD; call Intel Health Benefits Center at 877-GoMyBen (466-9236) to request the IRMP and SERMA SPD. Also refer to Medicare Part A & B (www.medicare.gov).

Benefits Medicare* IRMP Cigna Indemnity for Medicare-eligible Retirees

Annual Deductible Part B Deductible = $183 (See Inpatient Hospitalization section for Inpatient Deductible)

$500 Individual/$1,000 Family

Out-of-Pocket Maximum Not applicable $2,000 Individual/$4,000 Family

Major Medical Lifetime Maximum(if applicable)

Not applicable Unlimited

Inpatient Hospital $1,316 deductible (Days 1–60); $329(Days 61–90); $658 (Days 91–150)

20% of Medicare allowable after deductible is met

Physician Office Visit 20% of Medicare approved 20% of Medicare allowable

Emergency/Urgent Care Worldwide Coverage

Limited coverage outside U.S. 20% of Medicare allowable

Routine Physical Once during initial six months (MIPPE) 20% of Medicare allowable

Additional Benefits Medicare* Coinsurance applies after deductible is met

Chiropractic – Limited to 30 visits per calendar year

Not covered 20% of plan allowed; limited to 30 visits per calendar year

Non-Emergency Transportation Not covered 20% of plan allowed

Acupuncture – Limited to 30 visits per calendar year

Not covered 20% of plan allowed; limited to 30 visits per calendar year

Routine Hearing Not covered 20% coinsurance

Hearing Aid Allowance Not covered 20% coinsurance

* Penalty applies after the first two purchases of a maintenance (long-term) prescription at a retail pharmacy.** The penalty out-of-pocket costs beyond the standard mail benefit will not apply towards deductible/out-of-pocket maximums.

* 2018 Medicare benefits referenced. For complete details, visit www.medicare.gov, or call (800) 633-4227.

Plan Details

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If you are a retiree enrolled in Medicare Part D for prescription coverage, you will not spend more than the Medicare Donut Hole (Coverage Gap) annual maximum ($5,000 in 2018). Medicare Part D plans cover a broad range of medications at a cost share that changes as your prescription drug costs increase during the year. With Part D alone, once you hit the out-of-pocket maximum, you pay a copayment (~5%) for each drug for the remainder of the year. With Catastrophic Rx HRA, you may get reimbursed by Intel. This means the annual maximum you could pay for prescription drugs is capped at $5,000. Your actual out-of-pocket will vary depending on the Part D plan in which you enroll.

You don’t need to enroll or elect this benefit during Annual Enrollment, but you do need to be enrolled in a Medicare Part D plan to be eligible for reimbursement under the Catastrophic Rx HRA. Medicare Open Enrollment is from October 15 – December 15, 2017.

To take advantage of this benefit, simply call the Intel Health Benefits Center at 877-GoMyBen (466-9236) and select the “Your Spending Account” option to notify the team you have exceeded the Medicare Part D Donut Hole. Your Spending Account representative will walk you through what you need to do to submit claims for reimbursement.

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Vision And dEntAl IRMP Vision Plan

Vision Service Plan (VSP) provides you with two options for vision coverage:

• VSP Basic Vision

• VSP Vision Plus

Be sure to choose an option that’s right for you and your family. Keep in mind that you can enroll in an IRMP Vision Plan without having to purchase IRMP medical coverage. To locate a VSP doctor prior to enrollment, go to www.vsp.com/advantage or call member services at 855-663-2836.

2018 Monthly Premium

Option You Only, Spouse Only,1

Child(ren) Only2You + Spouse, You + Child(ren), Spouse + Child(ren)

You + Spouse + Child(ren)

VSP Basic Vision $6 $12 $13

VSP Vision Plus $16.50 $33 $37



On the next page is a summary of the IRMP Vision plan options. You can find additional details at www.intel.com/go/myben or in the Intel Retiree Medical Plan and Sheltered Employee Retirement Medical Account Summary Plan Description (SPD) available on the My Health Benefits website, www.intel.com/go/myben or call the Intel Health Benefits Center at 877-GoMyBen (466-9236) to request a copy of the SPD.

cAtAstroPhic rx hrACapping Your Medicare Part D Out-of-Pocket Costs

https://www.vsp.com/find-eye-doctors.html?id=advantagehttps://www.intel.com/content/www/us/en/employee/services-benefits.htmlhttps://www.intel.com/content/www/us/en/employee/services-benefits.html

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2018 IRMP VSP Vision Plan Options

Plan VSP Basic Vision Plan(In-Network)

VSP Basic Vision Plan (Out-of-Network*)

VSP Vision Plus Plan VSP Vision Plus Plan(Out-of-Network*)

Exam Exam every 12 months

Comprehensive Exam $0 Reimbursed to $40 $0 Reimbursed to $40

Standard Contact Lens Fit

Up to $55 NA Up to $55 N/A

Eyewear Frame every 24 months, lenses every 12 months Frame and lenses every 12 months

Eyeglass Frames $130 allowance$70 if Costco affiliate

Reimbursed to $70 $200 allowance$110 if Costco affiliate

Reimbursed to $110

Standard Single Vision $25 copay Reimbursed to $30 $10 copay Reimbursed to $30

Standard Bifocal $25 copay Reimbursed to $50 $10 copay Reimbursed to $50

Standard Trifocal $25 copay Reimbursed to $70 $10 copay Reimbursed to $70

Standard Progressive $55 copay Reimbursed to $50 $55 copay Reimbursed to $50

Premium Progressive $95-$105 Reimbursed to $50 $95-$105 Reimbursed to $50

Contact Lenses Contact lenses every 12 months

Contact Lenses (elective) $130 allowance $130 $200 allowance $200

Lasik Surgery n/a $2,000 lifetime allowance

n/a $2,000 lifetime allowance

*Allowances and out-of-network reimbursement apply to single purchase, no declining balance. For a complete list of covered services please refer to the SPD.

MetLife Dental

Intel partners with MetLife to offer retirees a voluntary plan that offers access to comprehensive dental coverage. You may use SERMA to reimburse yourself for eligible dental premiums. If you’re currently enrolled, your enrollment will continue unless you disenroll. If you’re not enrolled, MetLife will send you a letter outlining enrollment options. For more information, call MetLife at 866-832-5756.

This voluntary dental plan is not an Intel-sponsored benefit and is not an Employee Retirement Income Security Act (ERISA) welfare benefit plan.


The SERMA gives eligible participants the ability to pay for a medical plan that best suits their needs. If eligible, you can use SERMA to pay for all or part of your premiums for both you and your eligible dependents—even if it’s for a plan you purchased through an exchange.

If you’re enrolled in IRMP, you can use SERMA to off-set your monthly premium for medical and/or vision coverage until you’ve fully exhausted your account. During Annual Enrollment, you can elect how much of your IRMP premium you’d like paid from your SERMA each month, i.e., 25%, 50%, 75%, or 100%. Your IRMP premium payments will be paid directly from your SERMA. The percentage you elect will apply to both you and any enrolled dependent’s premiums. If you choose a SERMA contribution other than 100%, you’ll be responsible for paying the remainder of the premium cost.

Eligible reimbursements include premium payments for:

• Individual health, dental, and vision insurance

• Other employer retiree group plans*

• COBRA

• Medicare

• Medigap

• TRICARE

• Long-term care insurance premiums

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shEltErEd EmPloyEE rEtirEmEnt mEdicAl Account (sErmA)

Checking Your SERMA Balance

You may check your SERMA balance by calling the Intel Health Benefits Center at 877-GoMyBen (466-9236) or visit www.intel.com/go/myben, click the My Health Benefits website link, log on to UPoint, and select the “Your Spending Account” tab. If you’re accessing the UPoint site for the first time, you need to create a user ID and password to log on.

Once logged in you can:

• View your SERMA balance

• Submit claims (you have the option to submit claims online, by fax, or by mail)

• Check the status of your claims

• Learn more about eligible expenses

* If you’re enrolled in IRMP and your spouse is enrolled in another retiree group health plan, you can use SERMA toward both your IRMP premium and your spouse’s employer’s non-Intel retiree premium expense.

Using Your SERMA for Premium ReimbursementsThe SERMA plan year runs from January 1 through December 31 of each year. You may submit reimbursement for an eligible premium incurred during the plan year as long as you are eligible for SERMA and:

• You have not opted out of SERMA for the plan year in which the claim was incurred.

• You file your claim AFTER your health coverage began (i.e., premium for February paid in January cannot be submitted for reimbursement until February 1).

• You file your claim before the run-out period ends May 31 of the following year.

For example, you have until May 31, 2018 to submit for reimbursement of June 2017 premiums. The run- out period provides you extra time to submit your reimbursement request. If you do not submit your reimbursement request with complete supporting documentation by May 31, your request will be denied.

Please review the IRMP and SERMA SPD for a complete description of SERMA eligibility, require-ments, and benefits.

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When moving to an HDHP, it’s important to understand how to use a Health Savings Account to maximize your dollars and manage your budget. The basic concept of a Health Savings Account (HSA) is this: It’s a savings account used specifically for health and medical expenses, with preferential tax treatment.

HSA and the IRMP Cigna HDHP

If you have an existing HealthEquity HSA, you can keep your account and Intel will pay the monthly maintenance fee on your behalf while you are enrolled in the IRMP Cigna HDHP. If you don’t have a HealthEquity HSA, or your HSA is with another financial institution, you can open a HealthEquity account or transfer your HSA to HealthEquity. You may incur a separate transfer fee through your exist-ing HSA administrator, so check with your financial institution for details.

If you enroll in the IRMP Cigna HDHP, you’ll be auto-enrolled in the HealthEquity HSA and receive a welcome packet. HSA is not an Intel-sponsored benefit; eligibility requirements apply. Contribution limits are set by the IRS.

HSA and Medicare

If you’re enrolled in Medicare Part A and/or B, you can no longer contribute pre-tax dollars to your HSA. In order to contribute pre-tax dollars to an HSA, you cannot have any other health insurance other than an HDHP. The month your Medicare begins, you are no longer eligible to make deposits into your HSA. However, you may continue to withdraw money from your HSA after you enroll in Medicare to help pay for medical expenses, such as deductibles, premiums, copayments, and coinsurances. If you use the account for qualified medical expenses, it will continue to be tax-free.

See IRS Publication 969 and 502 for details on how to use an HSA https://www.irs.gov/publications/p969/ar02.html.

hEAlth sAVinGs Accounts (hsAs)

Advantages of Having an HSA:

Non-Medicare Eligible Medicare Eligible

Tax deductible contributions Yes No

Tax free withdrawals for qualified medical expenses* Yes Yes

Penalty free withdrawals for non-qualified medical expense No Yes

Opting Out of SERMA

If you’re a non-Medicare retiree with access to SERMA, you will not qualify to receive federal pre-mium tax credits. However, you may choose to “Opt Out” of SERMA for 2018 in order to qualify. When you “Opt Out,” your SERMA balance is frozen and you will not be able to receive any reimbursement from your SERMA for the year.

Online tools are available to help you identify if your income level qualifies for federal premium tax credits, and the Benefits Advisors at Aon Retiree Health Exchange can guide you through that process, if needed. Here are some helpful sites you can reference https://www.healthcare.gov and http://kff.org/health-reform.

If you’re considering using federal premium tax credits to reduce the cost of health insurance purchased through the Health Insurance Marketplace, you should seek advice from a tax advisor. If you decide that the federal premium tax credit is the best option, call the Intel Health Benefits Center at 877-GoMyBen (466-9236) and select the “Your Spending Account” option to “Opt Out” of access to your SERMA for 2018. Your “Opt Out” election will carry over from year to year unless you “Opt In” again during the next Annual Enrollment by following the same process.

* Qualified medical expenses for you and your eligible dependents include insurance premiums for health insurance coverage under COBRA, copays, coinsurance, deductibles, healthcare coverage while receiving unemployment compensation, Medicare (but not Medigap) premiums, long-term care insurance. See IRS Publication 969 and 502 https://www.irs.gov/publications/p969/ar02.html.

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intEl rEtirEE mEdicAl PlAn (irmP) EliGibilityMake sure you and your family members are eligible for coverage.

• It’s your responsibility to ensure that only your eligible dependents are enrolled in IRMP. If you are Medicare eligible and your dependent is not, or vice versa, the Medicare eligible person can enroll in one of the IRMP Indemnity options, and the non-Medicare eligible person can enroll in the IRMP Cigna HDHP. For a complete description of the dependent eligibility requirements, refer to the Intel Retiree Medical Plan and Sheltered Employee Retirement Medical Account Summary Plan Description (the “SPD”). For a copy of the SPD, contact the Intel Health Benefits Center at 877-GoMyBen (466-9236), or visit My Health

Benefits at www.intel.com/go/myben, click on the My Health Benefits website link, log on to UPoint, select the “Plan Information” tile, then “IRMP and SERMA Summary Plan Description” under Additional Information. If you’re accessing the UPoint site for the first time, you’ll need to create a user ID and password to log on.

• During annual enrollment, Intel is waiving the requirement to provide proof of continuous healthcare coverage for the previous 18 months if you and/or your eligible dependents are new enrollees to IRMP.

EnrollmEnt, informAtion, And rEsourcEs2017 Key Healthcare Enrollment Dates

Aon Retiree Health Exchange Medicare www.retiree.aon.com/intelMedicare Open Enrollment www.medicare.gov

Aon Retiree Health Exchange Non-Medicare www.retiree.aon.com/intelHealth Insurance Marketplace Open Enrollment www.healthcare.gov

Intel Retiree Benefits Annual Enrollment www.intel.com/go/myben (IRMP, VSP Vision, MetLife Dental)

MEDICARE ENROLLMENT (OCT. 15 – DEC. 7)

NON-MEDICARE ENROLLMENT (NOV. 1 – DEC. 15)

INTEL ENROLLMENT (NOV. 1 - NOV. 30)

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OCTOBER NOVEMBER DECEMBER

imPortAnt noticE

IMPORTANT! If you’re enrolled in Intel COBRA and your COBRA coverage ends before the end of 2017, you will need to enroll in a health plan (e.g., IRMP, Marketplace, or individual coverage) for the remainder of 2017 to ensure you do not have a lapse in coverage. Also, take time to review this Guide to consider your retiree benefits options for 2018. For more information, call the Intel Health Benefits Center at 877-GoMyBen (466-9236). Representatives are available Monday through Friday, from 6 a.m.–6 p.m. Pacific.

2017 Key Healthcare Enrollment Dates

About COBRA Coverage

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Get Answers to Your Questions

Contact the Intel Health Benefits Center at 877-GoMyBen (466-9236) about:

• Annual Enrollment

• IRMP medical and vision

• SERMA

• Catastrophic Rx HRA

• Online resources available at www.intel.com/go/myben

• The Aon Retiree Health Exchange and to schedule an appointment with a Benefits Advisor

If you’re currently enrolled in the IRMP Cigna Coinsurance option and you make no benefit election changes, the coverage you have today will default to the IRMP Cigna HDHP on January 1, 2018.

If you choose any of the IRMP Options—Enroll November 1–30, 2017

You can make your elections online, or by calling the Intel Health Benefits Center at 877-GoMyBen (466-9236). Here are the online steps to further guide you:

• Go to www.intel.com/go/myben and click on “My Health Benefits website” then log on by entering your User ID and password.

• If you’re using the site for the first time, you’ll need to create a User ID and password to log on:

– To create your User ID, select “Create Your User ID” or “Are you a new user?” and follow the instructions.

– You’ll be asked to create a password and answer a series of security questions.

– A password is not required when calling or accessing your account by calling the Intel Health Benefits Center.

• Click “Enroll” and select the medical plan or vision plan.

• Select the plan option you want to enroll in.

• Save your choices by selecting the “Complete Enrollment” button.

• Print a copy of your confirmed elections for your records. You can visit My Health Benefits at any time to view your elections. You may also make changes to your elections multiple times during Annual Enrollment.

If you choose options through the Aon Retiree Health Exchange—Enroll October 15–December 7, 2017

• Complete your enrollment online through eHealth at www.ehealthinsurance.com. If you need further assistance, call the Aon Retiree Health Exchange to speak with a Benefits Advisor who will work with an eHealth agent to help you navigate the website and complete your online enrollment.

• After calling the Intel Health Benefits Center at 877-GoMyBen (466-9236) and saying “Aon Retiree Health Exchange,” you have the option to “Reach your Benefits Advisor using their extension” (the extension will typically be given to you during your appointment) or obtain answers to any other questions.

Some changes are NOT available online

You must call the Intel Health Benefits Center at 877-GoMyBen (466-9236) to complete your enrollment if:

• You have dependents with split eligibility (e.g., one who is Medicare eligible and one who is not Medicare eligible).

• You are enrolling in IRMP for the first time.

• You have experienced a qualifying change-in-status event (e.g., marriage).

• You enroll in a plan through the Aon Retiree Health Exchange after November 30 but before your applicable deadline (non-Medicare = December 15, Medicare = December 7), and you need to make changes or remove previous 2017 IRMP choices or adjust SERMA, including “opting out.”

https://www.intel.com/content/www/us/en/employee/services-benefits.htmlhttps://www.intel.com/content/www/us/en/employee/services-benefits.htmlhttps://www.ehealthinsurance.com/


bEnEfit ElEctions The benefit elections you make during this Annual Enrollment period will become effective January 1, 2018. The next opportunity for you to make IRMP or SERMA changes will be during next year’s Annual Enrollment, or if you experience a qualifying change-in-status event during the year. You may be required to provide proof of 18 months of continuous health coverage.

IRMP Medical Coverage

Call VSP at 855-663-2836 or visit VSP online at www.vsp.com/advantage.

Vision Coverage

Call Express Scripts at 800-899-2713 or visit Express Scripts online at www.express-scripts.com/intel.

Prescription Drug Coverage

Call 800-633-4227 or visit Medicare online at www.medicare.gov.

Medicare

For a copy, call the Intel Health Benefits Center at 877-GoMyBen (466-9236), or visit My Health Benefits at www.intel.com/go/myben, log on to UPoint and select “Plan Information,” then “IRMP and SERMA Summary Plan Description” under Additional Information.

IRMP and SERMA Summary Plan Description (SPD)

Call Aon Retiree Health Exchange at 877-GoMyBen (466-9236); https://www.healthcare.gov and http://kff.org/health-reform/.

Health Insurance Marketplace

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Call MetLife 866-832-5756.

Stay connected to Intel through the U.S. Retiree web portal. You’ll find educational resources, news, information, and services to help you navigate retirement. Visit our page at www.intel.com/employee/retiree.

Dental Coverage

intel.com

Take Effect January 1, 2018

Call 800-468-3510 or visit Cigna online at www.mycigna.com.

Your Intel Benefits Center is typically your one-stop shop, but here are more resources if your questions are specific to a vendor or plan:

https://www.vsp.com/find-eye-doctors.html?id=advantagehttps://www.express-scripts.com/consumer/site/openenrollment?accessCode=INTELOEhttps://www.medicare.gov/https://www.intel.com/content/www/us/en/employee/services-benefits.htmlhttps://www.healthcare.gov/https://www.kff.org/health-reform/https://www.intel.com/content/www/us/en/employee/intel-retirees.htmlhttps://my.cigna.com/web/public/guest

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Tell me more...The IRO provides members access to an exclusive website (intelretiree.com) where you can get answers to questions about healthcare, benefits, discounts, volunteering, reconnect with former colleagues, or hear about what others are doing, it’s inspiring! Plus, the IRO connects you to a team volunteer who can help answer your questions, address issues, or give you additional Intel contacts.

And let’s not leave out fun...IRO sponsors an annual dinner event for members who have retired from one of the main U.S. Intel sites. Intel retirees experience a fun-filled evening of gourmet dining, social connection, door prize giveaways—and an opportu-nity to hear from Intel executives about news and events.

More about IRO… IRO was formed in 2001, and membership has grown to more than 4,000 retiree members. Governed by a Board of Directors, there are several committees in the IRO for communications, health and benefits, volunteering, website development, and strategic planning. The organization is managed by retiree volunteers who have really helped pioneer the retirement experience for the company.

Learn how you can connect with other Intel retirees through the Intel Retiree Organization (IRO). Go to http://intelretiree.com/contact-us/join-iro/ to sign up today!

WAnt to connEct With othEr intEl rEtirEEs?

http://intelretiree.com/contact-us/join-iro/

This Guide is intended to be a Summary of Material Modifications to your benefit plans. The information in this guide is a summary of your benefits. In the event of a discrepancy between the information in this guide and the 2018 Intel Retiree Medical Plan and Sheltered Employee Retirement Medical Account Summary Plan Description (SPD), the SPD will prevail. For a copy of the current SPD, contact the Intel Health Benefits Center at 877-GoMyBen (466-9236) or online at www.intel.com/go/myben. The SPD will be available with 2018 updates in Q1 2018. Intel reserves the right to modify, change, or discontinue benefit plans at any time, in its sole discretion.

Copyright © 2017 Intel Corporation. All rights reserved. Intel and the Intel logo are trademarks of Intel Corporation or its subsidiaries in the U.S. and/or other countries.

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for intEl rEti 2018 AnnuAl EnrollmEnt GuidE · Pur P os E A nd cont E nts It’s time for you and your family to review your benefit choices from Intel and make your Annual Enrollment