Wyoming Educators' Benefit Trust
Frequently Asked Questions
Retiree Plan
Am I eligible for the WEBT Retiree coverage?
- You must be a retiree from a Group that is participating with WEBT. Upon Retirement,
a retiree has the option to chose to go to COBRA or go straight into the WEBT retirees. You can
not cancel your coverage and then return to the WEBT Retiree coverage.
How will I know when my COBRA has ended?
- Blue Cross Blue Shield of Wyoming sends a list to WEBT notifying us when
your COBRA coverage is about to end. WEBT will send you our packet of
information about the Wyoming Educators' Benefit Trust retiree coverage.
In the packet there will be a form for you to sign to transfer coverage and a
form to withdraw the premiums from your Wyoming Retirement System account. If you
are 65 there will be a form to sign for Blue Cross Blue Shield of Wyoming
authorizing coordination of benefits with Medicare.
How often does the rate change?
- The rate is subject to change every July 1. You will receive written
notice about any changes to the policy or the rate before July 1, each year.
What are the current rates for Retirees?
Please contact the WEBT Consultants for
current rates.
What if I have Medicare?
- Medicare is primary and the WEBT retiree coverage is secondary. Blue
Cross Blue Shield of Wyoming will coordinate with Medicare.
What is the Prescription Benefit?
The prescription benefit is the same as the benefit currently
offered to our standard deductible group medical plans. Specific
information can be obtained from the WEBT
Consultants.
For additional Prescription information, please see the question and
answer section under Prescription
Questions.
How does this compare to Medicare D?
- Some of the Medicare D supplements in Wyoming have an upfront
deductible and/or there is a "doughnut hole" gap in the middle, where the
subscriber is responsible for 100% of pharmacy charges.
- Our plan does not have a deductible nor does it have a maximum annual
benefit. Once a subscriber pays $1,500 out of pocket in copays for
prescriptions, then the plan pays 100% for the remainder of the calendar year.
What if I have a procedure that Medicare does not cover?
- If it is a procedure that is an allowable benefit by WEBT, the plan will pay
according to the benefit schedule.
For additional information on the retiree program, please see the "What
does the WEBT offer?"
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