Questions and Answers Regarding New Cleveland-Cliffs Steel LLC VEBA Trust (CCSLLC VEBA) Options for Medicare Eligible Participants
Q1: I don’t understand this letter, where can I get help?

A: We’re here to help. Please call us at 1-877-474-8322 and speak to a Customer Care Representative to review the information and your benefits.


Q2: Where is the meeting schedule?

A: At this time VEBA  will not be holding any in-person meetings due to the low attendance for the 2019 plan options. We will review the demand for the meetings and if they are added, we will send you a mailing with the dates and locations.


Q3: Can I keep my current Prescription Drug Plan (PDP) and still enroll in the new VEBA Plan(s)?

A: No. Once you enroll in the VEBA Plan, you will not be able to remain enrolled in another Medicare Advantage Plan or PDP drug plan.


Q4: Can I keep my current Retiree Medicare Supplement plan and still enroll in the new VEBA  Plan(s)?

A: While not recommended it may technically be possible. You should consult an advisor or contact the VEBA service center for more information.


Q5: What can I do if I don’t want this new Aetna Medicare Advantage Plan coverage?

A: You can decline all coverages. Simply check the box that states you do not want any coverage so that we have it for our records and can ensure that you remain eligible to apply for the Medicare Part B Reimbursement Benefit.

Q6: If I don’t enroll for January, 2020, can I enroll at a later date? When?

A: You will have another opportunity to enroll during Open Enrollment which will occur each year in the fall and plans would be effective on January 1st of the following year. If you don’t enroll during open enrollment for an effective date of January 1st, you will not be able to enroll unless you have a qualifying event, such as loss of coverage, or turning 65 for the rest of the benefit year, 2020. If you have questions about what is considered a qualifying event, please contact the VEBA  directly.

Q7: What happens if I don’t take any action in response to this letter?

A: In order for the VEBA to offer benefits, we must have responses to all communications. Please send your form back even if you do not want to enroll in any of the plans so that we have your information for eligibility for the Part B Reimbursement in 2020.

Q8: What benefits will my new Aetna Medicare Advantage PPO ESA Plan cover?

A: Benefit highlights are included in your 2020 VEBA Plans Options Packet which is enclosed. You should carefully review the Premier, Plus and Basic Plans to determine which, if any, are a good fit for you.


Q9: Are these premiums fixed for the life of the contract or can they increase next year?

A: As with any benefit product, premiums are never guaranteed for more than one year at a time, however, the Cleveland-Cliffs Steel LLC VEBA Trust (CCSLLC VEBA) would notify all enrolled participants of any changes well in advance of January of 2019.  The good news is the premiums have remained the same for the last 5 years!

Q10: If I enroll in one plan (for example, the $10 per month plan), can I change to a different plan at a later date? When?

A:  Changes can be done each year during Open Enrollment in the fall. You will receive a packet each year in the fall to review plan options.


Q11: How does the prescription drug plan component of the Aetna Medicare Advantage PPO ESA Plan compare to my current plan?

A: We’ll send you plan documents that outline all of the benefits and coverage for the three new Aetna combined medical and prescription drug plans. The Aetna plan is a group plan (unavailable in the individual marketplace) and can provide continued prescription benefits through the donut hole if you choose the Premier or Plus Plan. You should carefully review the benefit highlights for the Premier, Plus and Basic plans which are in included in your 2020 VEBA Plan Options Packet.


Q12: Does the Aetna Medicare Advantage Plan have a network of doctors?

A: Yes. However, you can see any doctor or hospital as long as they accept Medicare assignment and are willing to treat you as a member of the Aetna MAPD Plan. You will receive a flyer to take to your providers in case they have any questions about coverage.


Q13: Does my doctor accept the new Aetna Medicare Advantage PPO ESA?

A: You can see any doctor that participates with Original Medicare and is willing to treat you as a member of the Aetna MAPD Plan, even if your doctor is not in our network. Regardless if the provider is in or outside of the network, you will pay the same cost share amount. If your doctor is not in our network, show him/her your ID card and the Provider Instructions Flyer from your Welcome Guide. The Guide and Flyer explain how your VEBA Aetna Medicare Advantage PPO with Extended Service Area (ESA) Plan works, and what your doctor needs to do. If you have further issues, call us with the details and we will be happy to call your doctor for you to help him/her understand what they need to do.

Q14: Is the new Aetna Medicare Advantage PPO ESA plan a Medicare Supplement plan?

A: No. This is a Medicare Advantage Plan (sometimes called Part C). It replaces Original Medicare (Part A and Part B) and provides additional benefits as well.


Q15: Do I need a referral to see a specialist?

A: No. The new Aetna Medicare Advantage PPO ESA plan does not require referrals.

Q16: Why won’t I receive a Medicare Part B Reimbursement Check if I take an Aetna Medicare Advantage Plan with Prescription Drug Coverage?

A: The VEBA had to make some tough decisions in order to keep benefits viable for the years to come. Each retiree will be eligible for one benefit per year from the VEBA, which will either be the Medicare Advantage Plans with Prescription Drug Coverage or the Part B Reimbursement Check.


Q17: If I enroll and decide I don’t like the plan, when can I change my coverage?

A: You are never locked into any plans. You will always have the option of dis-enrolling from the Aetna Medicare Advantage PPO ESA Plan, and reverting back to your Original Medicare coverage for the first of the following month after you notify the VEBA in writing. Please talk to a trusted advisor or call Customer Care at the VEBA to review those options.

Q18: Do I still have to pay for my Medicare Part B?

A: In order to be enrolled in a Medicare Advantage plan, you must be enrolled in Original Medicare Parts A&B, and continue to pay your part B premiums. The Cleveland-Cliffs Steel LLC VEBA Trust (CCSLLC VEBA) Medicare Advantage plan will take the place of Original Medicare and become your primary coverage for all of your Medicare Part A&B benefits.

Q19: Under the plans must I see a Primary Care Physician first?

A: No. You may go directly to a Specialist for medical services.

Q20: What happens if I'm over age 65, but my spouse or dependents are under age 65?

A: Those that have Medicare will be eligible for the new Aetna MAPD Plans effective January 1, 2020. Those that don’t have Medicare will be provided with additional options for coverage to be announced separately.


Q21: What happens when my spouse becomes eligible for Medicare?

A: A few months before your spouse's 65th birthday, Aetna will send Aetna Medicare Advantage PPO ESA plan enrollment material to your spouse so he or she can enroll.

Q22: Where and when can I learn more about coverage options the VEBA offers in 2017?

A: At this time we do not have in-person meetings scheduled, however you can learn more by calling to speak with one of our benefit specialist that will review your options and help you decide if any plans are a fit for you. You can reach us at 877-474-8322.

Q23: Where can I find more information on Medicare:

A: More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. Historically, Medicare has mailed a copy of the handbook to Medicare-eligible individuals every year. You may also be contacted directly by Medicare drug plans.

For more information about Medicare prescription drug coverage:


  • www.medicare.gov

  • Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for their telephone number) for personalized help

  • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.


If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).

Q24: What should I do now?

A: Review your coverage options carefully and decide if you want to keep or “opt-out” of the new Aetna Medicare coverage for 2020.


We are here to help. Please call us at 1-877-474-8322 with any questions or with help reviewing your options. The phones may be extremely busy during this time; however, someone will get back to you as soon as possible. Please be patient and know we are here for you during this transitional time.


Additional Questions Not Listed Here?
Call Toll Free 1-877-474-8322

Please do not call Cleveland-Cliffs Steel LLC VEBA Trust (CCSLLC VEBA)Corporate Offices or the United Steelworkers directly with questions about this offering. The ArcelorMittal VEBA is here to help you and answer all of your questions.
You can also email us through our website at www.amusaveba.org