• On FAQs, change the HAS maximums to $4,400 for Individual Coverage and $8,750 for Family coverage

Office of Group Benefits

2026 Annual Enrollment

Frequently Asked Questions

Annual Enrollment

Q Do I have to enroll in a new plan for 2026?
A

No. If you would like to remain in your current OGB health plan with the same covered dependents for the 2025 plan year, you do not need to do anything. Your coverage will continue for the 2026 plan year.

Members enrolled in the HSA or FSA options will need to select a new contribution amount for plan year 2026.

Q When and how can I enroll?
A

Annual enrollment begins October 1 and ends November 15. Active employees can enroll in one of two ways:

  1. By visiting the online enrollment portal
  2. Contacting their human resources department

Retirees can enroll in one of three ways:

  1. By visiting the online enrollment portal
  2. By completing a paper enrollment form and mailing it to OGB
  3. By contacting OGB

Q When can I review my plan options?
A Each year OGB creates an Annual Enrollment guide that has detailed information on all plans and other important information. Active employees are able to review the annual enrollment guide online or can print a copy from this website. Retirees will receive a copy of the annual enrollment guide in the mail. This year, informational meetings for active employees will be held virtually. Retiree informational meetings will be held in-person. A schedule of meetings can be found here.
Q What if I enroll in a plan and then change my mind?
A If you wish to change your plan selection during the annual enrollment period, simply visit the annual enrollment portal and select a new plan. Your most recent choice will be considered valid. If you change your mind after annual enrollment is over, you won’t be able to change your plan until next year’s annual enrollment period unless you experience a plan recognized qualified life event.
Q Can I submit a late application?
A OGB can only accept applications during an annual enrollment period, unless the member experiences a Plan Recognized Qualified Life Event.

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General Questions

Q What is the Office of Group Benefits (OGB)?
A OGB is and agency, authorized by state statute to provide health and life insurance benefits to active and retired state employees and their eligible dependents, as well as employees and retirees of other participating groups.
Q What is the cost of an OGB health plan?
A It depends upon the plan option you choose, the number of dependents you cover, and your status as either an active employee or retiree with or without Medicare. Visit our premium rates to see the cost for the coverage level you fall into. For retirees, please refer to the rate schedule that applies to your participation schedule.
Q What is the OGB Customer Service phone number and what are the hours of operation?
A OGB Customer Service can be reached at 1-800-272-8451 from 8:00 a.m. to 4:30 p.m. Monday through Friday. OGB customer service will be closed periodically for employee training and all official State of Louisiana holidays.
Q How do I get in touch with my plan provider?
A
  • Louisiana Blue and Blue Shield of Louisiana
  • 1-800-392-4089, 8:00 a.m. to 5:00 p.m. Monday through Friday
  • HMO Louisiana (Blue Advantage Medicare Advantage) 
  • Pre-enrollment: 1-833-955-3821, 8:00a.m to 8:00 p.m. Seven days a week.
  • Members:1-866-508-7145, 8:00 a.m. to 8:00 p.m. Seven days a week. (October - March)
    8:00 a.m. to 8:00 p.m. Monday through Friday (April - September
  • Humana
  • 1-877-889-9885, 7:00 a.m. to 7:00 p.m. Monday through Friday
  • Peoples Health
  • 1-866-877-5403, 8:00 a.m. – 8:00 p.m. Seven days a week (October - March); 8:00 am - 8:00 pm Monday - Friday (April - September)
  • Livinti
  • (beginning October 1, 24 hours, 7 days a week)
  • 1-888-925-02770
  • SilverScript
  • 1-888-996-0104, 24 hours, 7 days a week
  • TASC
  • 1-844-237-9222 , 24 hours, 7 days a week
Q Who do I call for answers about my medical claims?
A Claims inquiries should be made to the administrator of the insurance plan. The number for your plan administrator can be found on the back of your insurance ID card.
Q Who should I call if I do not receive my insurance ID card or FSA debit card?
A
  • Health Insurance Cards: Contact the insurance carrier of the plan
  • FSA Debit Cards (active employees only): Contact OGB's third party administrator, TASC.

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Web Portal

Q Do I have to enroll online?
A

No, there are three ways to enroll.

  1. Non-LaGov active employees and all retirees may visit annualenrollment.groupbenefits.org to use the annual enrollment portal. LaGov active employees may use the Louisiana Employees Online (LEO) enrollment application.
  2. If you are a retiree, you can complete the personalized annual enrollment form in your enrollment guide and return it to the address provided.
  3. For active employees, contact your human resources department to enroll in a health plan with different or new covered dependents than 2023 or to discontinue OGB coverage. Retirees may contact OGB.

Q How do I select my health plan?
A The first time you log in, a list of possible plans will appear for selection. Next to each of the plans will be a radio button (circle). When a radio button is clicked, more options will appear depending on which plan is selected and your eligibility for flexible spending. If you are eligible for flexible spending, then you will be able to enter the flexible spending amounts for health and dependent care. If you choose the Louisiana Blue/Blue Shield Pelican HSA 775 Plan, you will be able to enter in the HSA election monthly amount. Click the Submit button. A confirmation page will appear for you to confirm your choice. If all information is correct, click the confirm button. Once it is submitted, you will have a chance to print a copy of your selection.

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Statewide Meetings

Q What is a statewide meeting?
A It's an opportunity for all members to gather information concerning the health plan options for the next plan year.
Q Who can attend these meetings?
A We encourage all active and retired members to either attend a regional meeting or obtain all the necessary information from the OGB website in order to make an informed decision.
Q Where can I find a listing of meetings located near me?
A The meeting schedule is on the OGB Annual Enrollment website.
Q What if I cannot attend a regional meeting?
A All information is posted on the OGB Annual Enrollment website.

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Health Plans Offered by OGB

Q What plans am I eligible for?
A
ACTIVE EMPLOYEESNON-MEDICARE RETIREESRETIREES WITH MEDICARE
Pelican HRA1000Pelican HRA1000Pelican HRA1000
Pelican HSA775Magnolia Local PlusMagnolia Local Plus
Magnolia Local PlusMagnolia Open AccessMagnolia Open Access
Magnolia Open AccessMagnolia LocalMagnolia Local
Magnolia Local   Peoples Health HMO-POS 
   Blue Advantage HMO
   Humana HMO
  
   
   
   
   

Health Savings Account (HSA) - Pelican HSA775

Q How does an HSA work?
A A Health Savings Account, or HSA, is an employee-owned account used to pay for qualified medical expenses, including deductibles, medical co-pays, prescriptions, and other eligible medical, dental and vision costs. To enroll in an OGB HSA, you must enroll in the Pelican HSA775. Both employees and employers can contribute to a HSA, but the funds are owned by the employee. The HSA funds are available even if you are no longer employed by an OGB-participating employer. The Pelican HSA plan is only available to Active Employees. For a list of covered expenses visit www.healthequity.com/qme.
Q Does it rollover every year?
A Yes. Unused funds will roll over until it reaches the in-network out-of-pocket maximum. So for example, if you are on an employee-only plan, your unused funds will roll over until it reaches $5,000.
Q Can retirees participate in the HSA plan?
A No. The Pelican HSA plan is only available to Active Employees.
Q What happens if I get a new job?
A If you get a new job with a non-OGB participating employer, you can still use your HSA. It is yours to keep and the funds in it will remain available for your use.
Q How do I use the money?
A You will receive a debit card that can be used to pay for eligible expenses.
Q Who should I contact if I have questions about my Health Savings Account?
A You have 24/7 access to HealthEquity's Customer Call Center at: 1-866-346-5800 or email [email protected].
Q How much can an employee contribute to their HSA?
A The maximum annual contribution that can be made to an HSA during 2025, including employer contributions, is:
  • Individual Pelican HSA775 coverage: $4,400
  • Family Pelican HSA775 coverage: $8,750
  • $1000 catch-up maximum for those who qualify
Q Can I change my monthly contributions throughout the year?
A You must set up an initial deduction amount when you first enroll in the plan. However, you can change the amount of the deduction throughout the policy year, up to once a month. You may change your deduction by turning in an updated GB-79 to your HR department.
Q Can I contribute additional monies over the maximum to the HSA?
A An employee who is over 55 years of age may contribute an additional $1000 to their HSA account yearly.

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Health Reimbursement Arrangement (HRA) Pelican HRA1000

Q What is a Health Reimbursement Arrangement?
A A Health Reimbursement Arrangement, or HRA, is an account that employers use to reimburse employees' healthcare expenses, such as deductibles, medical co-pays, and eligible medical costs, and does not include prescription drugs. The HRA funds are available as long as you remain employed by an OGB-participating employer.
Q How much does my agency contribute to the HRA?
A Your agency contributes $1,000 annually for a single (employee only) and $2,000 annually for a family to your HRA at the beginning of the plan year.
Q How does an HRA work?
A The HRA is handled by BCBS on behalf of the employee. BCBS uses the HRA account to pay the provider (doctor or hospital) when a medical claim is submitted. The HRA is only for eligible medical expenses and does not include prescription drugs.
Q Who can contribute to the HRA account?
A The HRA is funded by the employer. This means, when medical expenses occur and qualify for reimbursement, BCBS claims administration applies HRA funds from the member's HRA account.
Q Does it roll over every year?
A Yes. Unused funds will roll over until it reaches your in-network out-of-pocket maximum. So for example, if you are on an employee-only plan, your unused funds will roll over until it reaches $5,000.
Q What happens if I get a new job?
A HRAs are not portable – meaning if you get a new job with a non-OGB participating employer, you will not be able to take your account with you or use the funds still in it.
Q Can I use HRA funds for pharmacy charges?
A No, only eligible medical services may be reimbursed by HRA funds.

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Via Benefits

Q What is Via Benefits?
A Via Benefits is a broker that offers members access to individual Medicare plans from multiple carriers. Via Benefits is an OGB-approved broker of individual Medicare plans.
Q What do they do?
A They offer retirees with Medicare access to individual Medicare plans from multiple carriers and are available to counsel retirees to select the best plan for them.
Q Are they the insurer?
A No, they are the Broker of Record.
Q Do they provide prescription drug coverage?
A The plans they offer may or may not have a drug component – it will depend on the individual plan. You are encouraged to speak with a Via Benefits Benefit Advisor for more detailed benefit information, 1-855-663-4228.
Q What are my plan options with Via Benefits?
A Via Benefits works with the top national and regional insurance companies to ensure that you will have quality individual plan options. There will likely be individual plans available that are similar to your current group plan, but there may be plans better suited to your needs. Multiple options give you the ability to find a plan that closely matches your specific needs. We encourage you to contact Via Benefits and speak with a Benefits Advisor, at 1-855-663-4228.
Q If I enroll in a plan through Via Benefits, can I return to an OGB plan at a later date?
A Yes.
Q Do I need to keep paying my Medicare Part B premium?
A Yes. To qualify for a Medigap or Medicare Advantage plan, beneficiaries must be enrolled in and continue to pay for Medicare Part B.

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Flexible Benefits

Q What is a Flexible Benefits plan?
A A Flexible Benefits plan allows you to pay for eligible expenses (deductions) prior to your money being taxed. For example, with a Flexible Benefit plan you can transfer money out of every paycheck and put it in a Flexible Spending Arrangement (FSA) option before it is taxed. The FSA option you choose allows you to set aside pre-taxed money to pay for health care, out-of-pocket expenses, dental and vision expenses, and dependent care expenses. The FSA Mastercard debit card is provided to pay for expenses at doctor’s offices, hospitals, and pharmacies, where applicable.
Q What is a General-Purpose FSA?
A The General-Purpose FSA (GPFSA) allows you to set aside money that can be used for out-of-pocket medical expenses like co-pays, deductibles, prescriptions, braces, crowns, dentures, contacts, eyeglasses, laser eye surgery, and other costs. The benefit is that your money is set aside before it is taxed. So, enrolling in the GPFSA means you have more to spend on those expenses than you would if you waited and spent the money after it was in your paycheck and taxed. You must re-enroll each year to continue participation.
Q What is a Limited-Purpose FSA?
A The Limited-Purpose FSA is a similar concept to the GPFSA, but as the name says, it is more limited. It can only be used for dental and vision expenses. You must re-enroll each year to continue participation.
Q Can I have a General-Purpose FSA and a Limited-Purpose FSA?
A No. You cannot be enrolled in both plans at the same time.
Q What is the Dependent Care FSA?
A A Dependent Care FSA allows you to set aside pre-tax money to pay for dependent care expenses while you are at work. That includes your young children under age 13 who reside in your household, in daycare and elderly or disabled dependents, who cannot care for themselves. And like the other FSA options, you must re-enroll each year.
Q What are the Dependent Care limits?
A The amount you can set aside for dependent care expenses is limited to: $2,500 for single parents or married couples who file taxes separately; and $5,000 for married couples who file jointly, or single and filing as head of household, or married with an incapacitated spouse.
Q How does a Flexible Benefits plan work?
A

When you enroll in a flexible benefits plan, you agree to contribute a portion of your salary to pay for qualified benefits. Because you never receive that portion of your salary, it’s not considered wages for federal income tax purposes. That money goes directly into the account you specify and can be used according to the IRS rules. Your enrollment is irrevocable for the Plan Year, unless you have an OGB Plan-Recognized Qualifying Life Event.

To be eligible, you must be an active, full-time employee. You have thirty (30) days from the date of hire to decide to enroll. If you do not enroll after 30 days of your hire date, you can enroll during next year’s annual enrollment or after an OGB Plan-Recognized Qualified Life Event like childbirth or marriage.

Both the General-Purpose FSA and the Limited-Purpose FSA plan options also allow you to be reimbursed for medical expenses for your dependent children up to age 26.

You select an option and elect a contribution amount for the plan year. The minimum and the maximum are determined each year by the IRS. For 2024 Plan Year, the minimum contribution was $600 and the maximum was $3,200 for the General-Purpose FSA and Limited-Purpose FSA. You will receive a Mastercard debit card, which is your FSA card, and it works like a debit card for your flexible spending account. Your pre-tax money is in your account and can be used to pay for eligible expenses at your doctor’s office, pharmacy or other provider. The election is like a loan and monies are immediately available for the General-Purpose FSA and Limited-Purpose FSA. A per-pay period amount is taken out of your check and placed into your account.

Q What is “Automatic Enrollment” in the Flexible Benefits Premium Conversion?
A When you enroll in one of OGB’s health plans, you automatically become a participant in the Flex Plan under the Premium Conversion option. The premium conversion option means that you pay for your health, life or other other voluntary product plans with pre-tax dollars, giving you more take-home pay in each paycheck. Once you enroll in the premium conversion option, you don’t have to re-enroll. You will stay enrolled until you choose to end your participation in an OGB qualified plan.
Q Can I have a General-Purpose FSA with a Health Savings Account?
A No. However, you can elect to have a Limited-Purpose FSA for dental and vision only.
Q Does the FSA roll over to the next year?
A No. You must re-enroll in an FSA every year.
Q Do I have to pay an annual fee?
A Yes. When you enroll in a FSA you also agree to pay the administrative annual fee, which is $24.00 annually divided equally per the number of pay periods in the Flex Plan Year.
Q What if I don’t use all of my money? Do I get it reimbursed to me at the end of the year?
A No. The I.R.S. has a “use it or lose it” rule for FSAs. Participants are encouraged to use their FSA monies during the Flex plan year which is January 1 through December 31, and before the end of the Grace Period which is March 15th of the following year.

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Live Better Louisiana

Q What is Live Better Louisiana?
A Live Better Louisiana is a proactive approach to prevent illness and to manage any conditions that do appear. The program is available to OGB members enrolled in a Blue Cross and Blue Shield Pelican or Magnolia plan. The goal of this plan is to keep OGB members healthier by providing improved access to preventive healthcare and resources to help them better manage their health, understand their risk factors, and make educated choices related to their care. You can receive a wellness credit by participating in the Live Better program.
Q Who is eligible to participate in the Live Better Louisiana program?
A Only the primary plan member is eligible to participate in the Live Better Louisiana program.
Q How does it work?
A The primary plan member can receive a wellness credit (through their payroll system) by participating in the Live Better Louisiana program, which is a simple one-step process.
  1. Receive a preventive health screening or have your doctor complete a primary care provider form (PCP) after your annual wellness visit. OGB is providing clinics across the state that screen for cholesterol, glucose levels and liver function. You’ll leave the clinic with a personalized health plan and referrals to appropriate specialists, primary care physicians or disease management programs. The process must be completed each year.
Q Where can I find a list of clinics in my area?
A Please check the Catapult Health Scheduler webpage for the list of clinics scheduled to date.
Q What’s the discount for participating in the Live Better wellness program?
A Members will receive a $120 annual ($10 monthly) premium credit on their 2024 BCBSLA health coverage.
Q If I can’t go to a clinic, can I still get a discount?
A Yes. There is a form available that you can bring to your physician that can be used to show you had your annual physical.

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Blue Cross Blue Shield Care Management

Q What is the disease management program offered to BCBSLA members?
A Blue Cross and Blue Shield of Louisiana’s care and disease management program is for Active Employees and Non-Medicare Retirees who have chronic conditions such as health coaching, low cost prescriptions, and educational materials.
Q Who is eligible for BCBSLA Care Management services?
A To enroll, you must:
  • Be enrolled in a Pelican or Magnolia health plan;
  • Not have Medicare as primary health coverage;
  • Have been diagnosed with one or more of the following health conditions:
    • Diabetes
    • Coronary artery disease
    • Heart failure
    • Asthma
    • Chronic obstructive pulmonary disease (COPD)
Q How do I join BCBS Care Management?
A

This program is part of your health plan as long as Medicare is not your primary coverage. If eligible, you must enroll and speak with a Blue Cross Health Coach at least once every three months (or 90 days) or more often as requested by the health coach to remain an active participant in the program.

To enroll or confirm your enrollment, call a Blue Cross Health Coach toll-free at 1-800-363-9159.

Q What can BCBSLA Care Management do for me?
A
  • Learn more about your condition and how it affects you.
  • Find out how to work with your doctor to manage or improve your health.
  • Understand more about the medicines you take and why you take them.
  • Receive health information to help you understand, manage, and improve your condition.
Q What is a Health Coach?
A Health coaches are Blue Cross nurses or healthcare professionals who:
  • Give you individual support and attention;
  • Help you set healthcare goals;
  • Assist with coordinating your care;
  • Serve as your advocates and advisors;
  • Give you important health information;
  • Help you find qualified physicians, and
  • Reduce the barriers to good health outcomes.
Q How can BCBSLS Care Management save you money on prescriptions?
A

Co-pays for drugs specifically prescribed for treating diabetes, coronary artery disease, heart failure, asthma and COPD are discounted when you participate in the program.

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Life Insurance

Q What is the name of my Life Insurance company through the Office of Group Benefits?
A Prudential Life Insurance
Q What coverage is offered?
A Employee Basic and Basic Plus Supplemental Term Life coverage
Dependents Term Life coverage
Accidental Death & Dismemberment coverage
Enhanced Basic
Q Does the Life Insurance Plan have a cash value?
A No, life insurance through OGB is a group policy not an individual policy; therefore, there is no cash value.
Q Can I add my legal dependents?
A Yes, your legal spouse, incapacitated dependent, and legal children until they reach age 26.
Q Does my life insurance have a reduction in coverage?
A Yes, the life insurance will have two automatic reduction of 25% January 1 following your 65th and 70th birthday. Premiums will adjust accordingly.
Q How do I change my beneficiaries?
Q Can I add my spouse and/or dependents to my life insurance plan?
A Yes, spouses, incapacitated dependents and children up to age 26. Plan members currently enrolled who wish to add dependent life coverage for a spouse can by providing Evidence of Insurability Form and submitting it to Prudential for approval. Eligible dependent children can be added without providing Evidence of Insurability. Enrollment for dependent life insurance must be done during Annual Enrollment and coverage will begin the following plan year.
Q How do I find out the face value of my Life Insurance?
A Active employees should check with their human resources department. Retirees may contact OGB to request a letter of coverage. The email or printed letter of request should include the retiree's name, date of birth, last 4 numbers of their social security number, signature and date.

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The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA)

Q I received a letter in the mail about COBRA. What is COBRA?
A

The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985, made allowance for those who lost health coverage, due to job loss, to continue health benefits for a period of time. If you have recently changed employment status (left your employer), you are eligible for a temporary extension of group health coverage, and you have received a letter from TASC. TASC is OGB’s third-party administrator for FSA, COBRA and FSA COBRA.

If you are a new hire to state government, you have received a COBRA Specific Rights Notice Letter provided to all newly hired employees for information purposes only to let you know your rights as an employee.

Q Who do I contact about COBRA coverage?
A

You may contact OGB COBRA at [email protected] for general information prior to termination of active coverage. Once you have received your COBRA packet, you may contact TASC by visiting their website at https://www.tasconline.com/about-tasc/contact-us/ or phone or mail at the contact information provided within the COBRA packet.

Q What are qualifying events for COBRA?
A The most common qualifying events that result in a loss of coverage can be:
  1. Reduction in hours of the covered employee's employment;
  2. Voluntary or involuntary termination of the covered employee's employment other than for reason of gross misconduct (note that a retirement is considered a termination of employment);
  3. Death of the covered employee;
  4. Divorce or legal separation of the covered employee from the employee's spouse;
  5. Dependent child ceasing to be a dependent child under the generally applicable requirements of the plan.
Q How do I elect COBRA coverage?
A Once you are termed by your agency, your information is entered into the TASC COBRA system. TASC will generate a COBRA Specific Rights Notice Letter and mail it to the plan member at the current mailing address on file at OGB. The packet will include a waive or accept COBRA and/or FSA COBRA form; a date of the last day of election; premium cost; where to mail the premium and form (not to OGB); how to pay online and more. According to COBRA regulations, the plan member has 60 days from the date of the COBRA Specific Rights Notice Letter to elect coverage under COBRA.
Q Can I add dependents to my coverage while I’m on COBRA?
A Yes, please refer to the health plan guide for information on who qualifies as an eligible dependent. For example, a child born or placed for adoption can be added to the coverage within 30 days of the birth or adoption.
Q Where do I mail my COBRA payments?
A

Please mail all COBRA payments to :

TASC COBRA
2302 International Ln
Madison, WI 53704-3140

Include the Member TASC ID in the memo field and the last 4 of the SSN. Also, any payment mailed should always be post marked by USPS. Any payments not mailed to the address above will not be processed.

Q Can I pay my COBRA premiums online?
A Yes, by visiting their website at https://cobra.tasconline.com

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Retirees

Q How much will my employer contribute to my premium upon retirement?
A

RETIREE PARTICIPATION SCHEDULE

Years of OGB Plan Participation

State's Share of Total Monthly Health Premium

20 or more years

75 percent

15 years but less than 20 years

56 percent

10 years but less than 15 years

38 percent

Less than 10 years

19 percent

Participation Schedule Also Aplies to LSU First Health Plan

Q When can I request my participation?
A Not more than 120 days before your scheduled date of retirement.
Q If I am actively employed and over 65, do I have to enroll in Medicare A & B?
A OGB does not require members who are actively employed by an OGB participating agency to enroll in Medicare.
Q How can I get reduced rates once I receive my Medicare card?
A OGB becomes the secondary payer for a retiree who has Medicare A and B. When that occurs, the retiree’s monthly premium decreases. However, the premium reduction only applies for those retirees who have both Medicare A and Medicare B and after OGB receives a copy of the Medicare card.
Q I am retired and have OGB coverage and I am also eligible for Medicare Parts A & B. Do I have to enroll in both?
A Yes. If you are retired, 65, and eligible for Medicare Parts A & B, you are required by OGB rules to enroll in both. Failure to follow this rule will result in reduction or loss of claim benefits.
Q If I get Part B of Medicare, does that mean that I will be paying the full cost for OGB coverage and paying Medicare B coverage premium as well?
A Yes, but when you sign up for Medicare Part A & Part B, your OGB premiums are reduced. Visit our Premium Rates page for more information.
Q If I have Medicare Parts A and B along with an OGB policy, does my coverage include prescription drug benefits?
A Yes.

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