The Plan provides a separate coverage level for Medicare eligible retirees, Medicare eligible surviving spouses and Medicare eligible dependents of retirees and surviving spouses. For these participants, Medicare is deemed to be the primary coverage and the Plan becomes the secondary coverage. If a retired employee, dependent of a retired employee, surviving spouse or dependent of a surviving spouse is eligible for Medicare, and does not elect Medicare Part A and B, benefits will nonetheless be reduced as though Medicare is the primary payer. The Plan will calculate benefits assuming the participant has both Medicare A and B. Medicare eligible retirees, Medicare eligible surviving spouses and Medicare eligible dependents of retirees and surviving spouses are not eligible for prescription drug benefits. It is important to enroll in Medicare Parts A, B and D to receive maximum benefits. Refer to the Retiree Eligibility and Medical Coverage section for more information.
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