Annual Enrollment for Under 65 Retirees
Need more information? The 2020 Anthem Early Retiree Medical Coverage Booklet is available online at alliantenergy.benefitsnow.com. If you have any questions about your 2021 benefit plan options, how to make changes or where to find resources, please contact the Benefits Service Center at 1-866-303-1891.
COVID-19: Health resources for retirees on our health plan
If you are a retiree who is under 65 and on our health plan, we’ve provided resources you can use anytime.
Free testing for coronavirus (COVID-19):
We’ve worked with our providers so that testing for COVID-19 is covered as a preventive procedure at no cost to anyone covered by the Alliant Energy health plan.
If there is a cost associated with the test, you or any member of your family covered under the plan can show your Anthem card. The provider will submit the claim to Anthem and the testing will be covered at 100%.
This telemedicine program allows you to visit a doctor face-to-face without ever leaving your home.
You meet the doctor online on your laptop, tablet or smart phone.
This lessens the potential of being exposed to colds, flu and COVID-19, that might be lingering in a waiting room.
It also provides access to therapists, psychiatrists and psychologists if you are experiencing behavioral health-related issues.
There are fees for these services. Go to livehealthonline.com to get started.
This free service provides resources to help you navigate your health care. The service includes Personal Health Advocates to help you with insurance questions, explain complex medical conditions, find doctors, coordinate appointments and much more!
Another great feature is the Health Cost Estimator+. As the name suggests, it helps you estimate the cost of procedures and services.
You can register for HealthAdvocate via their website, healthadvocate.com/alliantenergy or mobile app. The app for your mobile device is available on the App Store or Google Play.
As an Alliant Energy Employee with 10 years of service after age 45, you are eligible for Alliant Energy Early Retiree Medical Benefits. Eligible members will pay one of the rate categories listed in the Medical Rate Chart below: In Contract, Out of Contract or Total monthly cost.*
How do I know if I am “in contract” or “out of contract”?
In contract rates apply if the retiree meets the requirements outlined in the In contract chart below for their specific group.
Out of contract rates apply for the following:
- Non-bargaining retirees hired prior to 12/25/2005
- Retirees eligible for the medical subsidy who retired prior to the current bargaining unit contract.
- Retirees that are part of a union group not listed in the in contract chart
Total Monthly Cost (unsubsidized) rates apply to:
- Non-bargaining employees hired after 12/25/2005
- Bargaining unit employees with a hire date on or after the date listed in the “1) Hired prior to” column of the in contract chart below
|PLAN TYPE||2021 TOTAL MONTHLY COST||2021 IN CONTRACT* MONTHLY RETIREE COST||2021 OUT OF CONTRACT* MONTHLY RETIREE COST|
Employee plus one
In contract rates apply if you meet BOTH hire date and retirement date requirements outlined below:
|UNION NAME||1) HIRED PRIOR TO||2) RETIRED ON OR AFTER|
CRANDIC (All except United Trans Union)
|CRANDIC United Trans Union||12/25/2005||2/1/2019|
|IPL - IBEW Local 1439||7/2/2006||7/1/2018|
|IPL Local 204 Dubuque & Mason City||11/14/2008||10/1/2018|
|IPL Local 204 Emery Generating||12/25/2005||6/1/2019|
|IPL Local 204 - LARGE Group||1/6/2006||10/1/2020|
|IPL Local 949||11/14/2008||7/1/2018|
|WPL Local 965||6/1/2007||7/1/2019|
How to pay your premium
If you do not have a pension or chose a lump-sum payout for your pension, you will receive a monthly invoice from the Benefits Service Center.
Dental and vision insurance
You and/or your spouse and dependents are eligible for dental and vision insurance until age 65. Dental insurance is administered through Delta Dental. Vision insurance is administered through VSP.
Eligible retirees will pay the retiree monthly cost in the dental and vision plan rate charts below.
Dental Plan design and cost share of rates differ for groups based on contractually agreed upon components. You can access your specific plan design online at www.deltadentalwi.com or by calling Delta Dental Customer Service at 800-236-3712.
Please note: Total Monthly Cost will apply if you have Access Only early retiree coverage (not eligible for company subsidy).
ALLIANT ENERGY DENTAL PLAN RATES – RETIREES UNDER AGE 65
|Name of Group at Retirement||2021 Total Monthly Cost||2021 Retiree Monthly Cost|
Flex Dental (Now including Local 965)
|Employee Plus One||$92.34||$23.08|
|Dental IPL Locals 204 DBQ & Mason City AND Local 949|
|Employee Plus One||$67.30||$16.82|
|Alliant Energy vision plan rates – retirees under 65 (all groups)|
|Employee Plus One||$14.30||$3.57|
Health Advocate benefit
Health Advocate is a benefit available to you. Health Advocate can help you navigate the complex healthcare system. Use Health Advocate to:
- Find a doctor in-network
- Review costs for procedures
- Aid in the claim appeals process
- And much more!