Reimbursements for Health Care Costs

By Barbara Wilcox

---

The procedures for reimbursements from Lumen for your health care costs depend on when you retired.

Pre-1991 and ERO-1992 Retirees

Lumen reimburses Pre-1991 and ERO-1992 Retirees for the Medicare Part B premium they pay to the government plus any Income-Related Monthly Adjustment Amount (IRMAA*) they may pay because of high income. In most cases, this reimbursement is added to your monthly pension payment.  Check your pension payment amount in February to make sure the correct reimbursement is being added for 2025.

If you are paying the standard Medicare Part B premium, your monthly reimbursement will automatically update to the standard 2025 Medicare Part B premium, as determined by Medicare. You don’t have to send in any paperwork to Lumen. However, if you have paid a non-standard amount (IRMAA) in previous years, you do need to send in your Social Security paperwork, as explained in the next paragraph.

If you are paying Income-Related Monthly Adjustment Amounts (IRMAA*) for Part B and/or Part D, then you need to send in a Request for Reimbursement. Mail or fax a copy of your Social Security Administration notification letter, which includes your updated 2025 Medicare Part B and IRMAA premium amounts to:

Lumen Health and Life Service Center

P.O. Box 850552

Minneapolis, MN 55485-0552

Fax: 515-273-1545

If you are receiving reimbursements for your spouse too, follow the same instructions for him or her.

If your Request for Reimbursement is postmarked on or before March 31, 2025, your reimbursement amount will be effective retroactive to Jan. 1, 2025.

If your Request for Reimbursement is postmarked after March 31, 2025, your reimbursement amount will be prospective only, meaning it would be effective the first of the month following receipt of your request. Retroactive reimbursement will not be approved.

See page 22 of your Lumen 2025 Enrollment Guide for more information.

Questions: Contact the Service Center at 1-833-925-0487, Monday – Friday, 7 AM-7 PM CST.

 _____

* IRMAA payments are required of people with high incomes.  See article on 2024 Medicare Costs on page XX for more information.

Post-1990 Retirees

Post-1990 Retirees can receive reimbursements from their Health Reimbursement Account (HRA). HRA funding levels remain the same as they were in 2024.  The 2025 funds were added to your HRA account on January 1, 2025.

REMINDER: If you enrolled in the Lumen Retiree Medicare Advantage PPO Plus Dental plan (MAPD) for 2025, you do not have an HRA in 2025 and cannot receive reimbursement for 2025 expenses.

Rules about which health care expenses are reimbursable differ for Occupational versus Management Post-1990 Retirees. Only Occupational Retirees can get reimbursed for Medicare Part B premiums.  Rules for Management Retiree HRAs do not allow reimbursement for Part B premiums. If you are an Occupational Post-1990 Retiree and you are receiving or want to start receiving Part B reimbursements, follow the instructions below.  These instructions are for all HRA reimbursements.

Medicare Part B premiums increased in 2025. Take action to change your reimbursement to the new 2025 amount; you will need to update your recurring claim and provide documentation (i.e., copy of your Social Security/Medicare Part B letter). Otherwise, you will continue to receive the same reimbursement in 2025 that you received in 2024. Exception: If you set up your recurring claim with an end date no further recurring claims will process after that day. You need to set up a new claim to receive reimbursements after that date.

---

How to Submit a New Claim or Update/Change the Amount for a Recurring Reimbursement

There are two ways to submit an HRA claim, (1) via email, fax or mail, or (2) online.

Via email, fax or mail: Download and print the claim form from the web site lumenbenefits.com; select Retirees, Retiree HRA Claim Form – Premiums Only. The instructions are on the form. Or you can download the form by logging on to lumen.com/healthbenefits; click on Reference Center at the top of the page, scroll down to Health Reimbursement Account, and select Premium Claim Form. Or, you can request that a form be mailed to you by calling the Service Center at 1-833-925-0487 and pressing 0 to speak to an agent.

Complete your form and submit your documentation via email, fax or mail. We encourage email and fax so that your claim can be processed timely.

Email: lumenclaims@mychoiceaccounts.com 
(Email documentation in one of the following file formats: PDF, JPG, or PNG); or

Fax: 855-883-8542; or

Mail: MyChoice Accounts, MSC 345475, PO Box 105168, Atlanta, GA 30348-5168
(allow time for U.S.P.S. mailing and Service Center processing.)

---

Online: Log in to lumen.com/healthbenefits, or use the MyChoice® Mobile App and upload your documentation electronically.

1. Select the MyChoice Accounts piggy bank icon.
2. You will see a new dashboard page with in-progress transactions, helpful tips and videos and a quick link to your HRA.
3. To request a reimbursement select ‘Request Payment.’
4. Select reimburse yourself.
5. Input your details – amount, and expense type.
6. Select a payment type.
   1. Choose one-time payment for a one-time reimbursement of an eligible expense or a premium that you have paid and want reimbursed only one-time.
   1. Choose recurring payment for future, recurring payments
      1. Recurring payments must be future dated, as the system will not accept “today’s” date. Select a date at least the next day and frequency (e.g., monthly).
   1. For recurring claims, you can select several end-date options:
      1. Until I cancel: payments will continue until there are insufficient funds or you cancel the claim; or
      1. On a specific date: you may specify the date on which MyChoice Accounts should stop payments; or
      1. Number of payments: set up the recurring payments for a specific number of payments.
7. Note:  If you need to submit for prior months for reimbursement, you will need to submit a one-time reimbursement. For example, if your premium increases Jan. 2025 but you don’t update your recurring claim until February 2025, you’ll need to follow the instructions above to change the amount for future payments and also submit a one-time payment for the premium increase amount for Jan. 

---

For additional details, refer to the Retiree Benefits System Navigation Guide in the Reference Center, General Information, from the home page on the Health and Life website.

---

- Frequently Asked Questions -

Q         How do Union Retirees get reimbursed?

A          The reimbursement rules are the same for all retirees, including those who belonged to the Union or were bargained for, as well as management retirees.  The rules depend on when you retired, before January 1, 1991 or after December 31, 1990. If you are a 1992 ERO Retiree, you follow the rules for Pre-1991 Retirees.

Q         Can all Lumen Retirees get reimbursed for their Medicare Part B Premiums?

A          No.  First, you must be a Legacy Qwest retiree, meaning that you worked for US West or a predecessor company. Second, you must be eligible for a pension from Lumen (Pension Eligible). Third, you must be either a Pre-1991 Retiree, an ERO 1992 Retiree, or an Occupational Post-1990 Retiree.

Q         What were the US West predecessor Companies?

A          There were three: Mountain Bell, Northwestern Bell, Pacific Northwest Bell.

Q         I am a Post-1990 Retiree.  Can I get reimbursed from my HRA for Medicare Part B Premiums?

A          It depends.  If you retired as a non-management (occupational, craft, or bargained-for) employee, then you can get reimbursed for your Part B premiums.  If you retired as a management employee, then you cannot get reimbursed for your Part B premiums. These are rules that were set by the Company (CenturyLink) at the time the HRAs were set up.

Q         I am a Post-1990 Management Retiree.  I understand that I cannot get reimbursed for Medicare Part B premiums. Can I get reimbursed for other health care premiums? 

A          Yes. You can get reimbursed for health care premiums you pay to an insurance company, or to Lumen for dental insurance.  This includes premiums for Medicare Part D prescription drug plans, Medicare Advantage plans, Medicare Supplement (Medigap) plans, any dental or vision plans you may choose to buy. See the guidelines on the Lumen Benefits web site by logging on to lumen.com/healthbenefits

Q         Can I get reimbursed for other health care costs, other than premiums?

A          Yes, if you are a Post-1990 Non-Management (Bargained-For, Craft, Occupational) Retiree.  This is the only category of Legacy Qwest Retirees who can get reimbursed for health care costs that are not monthly (or annual) premiums paid to Medicare, Lumen or an insurance company. If you fall in this category, then you can get reimbursed from your HRA for out-of-pocket expenses, such as copays or  co-insurance.  See the guidelines at lumen.com/healthbenefits.