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 Ford U.S. Salaried Retirees Enrolled in Ford-Sponsored Health Plans

DATE: Will be calculated from "Release Start Date" field.

Completing Your 2012 Wellness Requirements: It's as Easy as 1, 2, 3.

DEARBORN - If you are enrolled in one of the Ford salaried health plans (Ford Medical Plan, Comprehensive Medical Plan, Basic Medical Plan, Health Alliance Plan or Cigna Networks), there are just three easy steps you and your spouse/same sex domestic partner, if applicable, need to complete by March 31, 2012, to ensure you meet the criteria of your health plan’s Enhanced Level of benefits.

Step 1: Visit your health plan’s Web site to complete an online Health Assessment.  
Step 2: Have a physical examination by your personal physician and have the required Member Qualification Form (MQF documentation) completed and returned to your health plan.
Step 3: Comply with the wellness and health coaching requirements as defined by your health plan.
 
Check your benefit level today! This information is now available on myfordbenefits.com. Just log in and click Health & Welfare > Enhanced/Standard Status. (You can also access your health plan’s Web site from this page.) 
 
Remember:  When accessing myfordbenefits.com, use the same PIN you use when accessing the NESC by phone.
• If you have forgotten your User ID or PIN, you can request a reminder via email or letter by visiting myfordbenefits.com and clicking on Forgot Your User ID? or Forgot your PIN? from the homepage.
• If you forgot both your User ID and PIN, first click on Forgot Your PIN? as the PIN is needed first in order to request your User ID.
 
If You Have Questions
Have you reviewed the wellness package you received in the mail from your health plan yet? It includes detailed information to help you complete the steps to meet the wellness criteria, including a pre-filled MQF document for you and your spouse/domestic partner, if applicable, and step-by-step instructions on how to navigate the health plan’s Web site. 
 
For more information about the Wellness Criteria or your benefit level, contact your health plan by calling the phone number on the back of your health plan ID card. 
 
Q. I’m a “snowbird” and spend the winter months outside of Michigan. This makes getting a physical during January – March a challenge for me. Is there anything I can do in this regard?
A. Yes. You can complete this step as early as October 1 of the prior year, e.g. Oct. 1, 2011, to be eligible for the Enhanced Benefit Level for 2012.  You may also see another doctor participating in your plan’s network if you are unable to schedule time with your personal primary care physician back in Michigan.
 
This will continue to be an annual requirement so please plan accordingly….and don’t forget to wear sunscreen!
 
Q. Every year, it appears that health care rates for retirees increase. Why does Ford increase rates for retiree health care each year?
A. Health care costs are increasing dramatically for all Americans, individuals and companies. It is a national challenge for all of us, not only retirees. As a company in an intensely competitive auto industry, it is an added challenge to be able to compete with other auto companies with much lower operating costs (resulting in our top competitors having higher margins than we have at Ford) and to continue to absorb more health care costs each year. In response to this dual challenge of being competitive with costs and competitive with benefits, the Company decided to continue offering excellent retiree health care benefits with costs capped at 2006 levels for pre-Medicare retirees. This level of benefit continues to be at the high end (e.g. higher value) when compared with other leading companies in the U.S.
 
For example, the 2012 monthly premium for pre-Medicare retirees in the Ford Medical Plan is $60 per month (single) and $180 per month (family). And even though most companies do not offer health care in retirement other than Medicare, Ford’s Health Reimbursement Arrangement for Medicare retirees (introduced in 2008 for age 65 and older retirees) is also a benefit that is on the high end (e.g. higher value) than what the majority of our comparator companies offer their retirees.
 
Ford was able to maintain the retiree monthly contribution rates through 2011 because of its participation in the federal government's Early Retiree Reinsurance Program (ERRP) in 2010.   Unfortunately, funding from this program has since been exhausted and we are at the cost cap, while health care costs/prices from our providers and insurance carriers look as though they will continue to rise. We will do our best to control health care costs by negotiating the best rates possible with our insurance carriers and health care providers, improving our wellness programs to improve health status, changing plan designs as appropriate, and providing more education and tools to help employees/retirees/families become better consumers of health care services.   And we ask you to do your part by staying engaged in your health and that of your spouse and family – stay healthy, read all of our materials, and question your doctors/providers/carriers when they are providing services and you aren’t sure why you are paying for those services.

  

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3/2/2012 11:00 AM