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This year there are relatively modest rate changes and few adjustments to benefits as we enter Open Enrollment for retirees November 1st through 30th. The changes are as follows: Kaiser non-Medicare rates for 2021 will increase 6.28 percent. Kaiser Medicare plan rates will decrease 9.1 percent. Anthem non-Medicare plan rates will increase 8.0 percent, while its Medicare Advantage rate will decrease 5.6 percent. It will continue to be a no-cost plan for retirees. Anthem Advantage PPO rate will decrease 6.1 percent. This plan will for the first time also be a no-cost plan for retirees. There are no changes to the plans or the rates for vision insurance or dental insurance. We have one significant benefit modification to report that is a response to the COVID pandemic. Kaiser Sr. Advantage California plan is replacing the Silver & Fit free gym membership with a Meals and Transportation Benefit instead. This applies only to Kaiser Senior Advantage members who are in California plans.