Important Information Regarding your LCPS Benefits and Open Enrollment for 2017

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1 Important Information Regarding your LCPS Benefits and Open Enrollment for 2017 October 2016 Employee Health, Wellness & Benefits Phone: Fax: Open Enrollment Events Changes for 2017 Formulary Changes 2017 Premiums Valuable Resources Flu Shot Clinics Wellness Works! Notices Discounts Calendar of Events Contacts Visit the Retiree pages on the Employee Health, Wellness and Benefits website at for even more information specific to our retirees. October 15 - November 15 The annual LCPS Open Enrollment will be held October 15 - November 15, 2016 with benefit changes effective January 1, During this time, retirees currently participating in the Cigna Open Access Plus (OAP) plan or Point of Service (POS) plan can change their health insurance plan. No action is required or necessary of retirees participating in the Cigna Medicare Surround plan. If you would like to continue to cover the same dependents under the same plan, you do not have to do anything. Your current election will automatically continue and you and all of your covered dependents will keep the same coverage. If you do want to make a change to the plan that you and/or your dependents are enrolled in, you will need to complete a Retiree Health Insurance Enrollment/Change form for This form is available on the Employee Health, Wellness and Benefits website under the Retiree Open Enrollment page, by calling Employee Health, Wellness and Benefits and at Open Enrollment events. Open Enrollment Events Meet the LCPS staff and LCPS benefits vendors! Saturday, October 22, :00 am - 3:00 pm Administration Building, Ashburn Flu Shots - 9:00 am - 3:00 pm Saturday, November 12, :00 am - 3:00 pm Administration Building, Ashburn Flu Shots - 9:00 am - 3:00 pm Biometric Screenings from 9:00 am - 3:00 pm are by appointment. Call to reserve your time today! The Employee Health, Wellness and Benefits Office is open to accept paperwork during regular business hours throughout Open Enrollment. The final day of Open Enrollment, and the deadline for all submissions, is midnight, Tuesday, November 15th (for all faxes and s). For your convenience, we are extending our office hours on Tuesday, November 15, from 8:00 am - 6:00 pm. You are responsible for the timely delivery of your paperwork to Employee Health, Wellness and Benefits. Items lost or delayed in the mail will not be accepted. Keep copies of anything you submit!

2 P A G E 2 Open Enrollment - In General Making Changes We understand that most retirees will want to maintain the same health insurance coverage. If you would like to continue coverage through the same plans and cover the same dependents, you do not have to do anything; your current elections will automatically continue and you and all of your covered dependents will keep the same coverage. If you are in the OAP or POS plan and want to make a change to the plan that you are enrolled in you will need to complete a Retiree Health Insurance Enrollment/Change form. This form will be available on the Retiree Open Enrollment page of the Employee Health, Wellness and Benefits website, in the Employee Health, Wellness and Benefits office (Room 319 of the Administration Building) and at Open Enrollment events. Health Insurance Rates We have developed health insurance rates for and have presented them, on pages 6 and 7. There are two rate schedules so please be sure you are looking at the correct schedule, which is based on your retirement date. Any changes to Medicare Part B premiums payable to Medicare (for Medicare-eligible participants) will be determined by Medicare and communicated to you by Medicare. Cigna Medicare Surround Participants (Medicare-Eligible Retirees) There are no changes to the plan design of the LCPS Cigna Medicare Surround or corresponding LCPS plans for Medicare-eligible retirees. Any changes to your primary Medicare Part A or Part B cost or coverage will be communicated to you by Medicare. The 2017 List of Covered Drugs for Cigna-HealthSpring RX (formulary) will be mailed to all Medicare-eligible participants by Cigna, along with other important information about your plan. Cigna OAP and POS Participants (not Medicare-Eligible) There have been changes approved for the Cigna OAP and POS plans. Please see page 2 and page 4 for plan design changes and more information. The Express Scripts copays will remain the same. It is always possible that a medication could change formulary tiers so visit or call Express Scripts with any questions about your specific medications. On the Davis Vision plan (for POS and OAP participants) the eligibility for benefits will be based on a calendar year (rather than a rolling 12-month period). This means that each January 1, your eligibility for benefits resets. The frequency will remain the same with an eye exam and lenses once every calendar year and frames once every other calendar year. Color Coded Benefit Information Green All retirees Yellow Cigna POS or OAP, Express Scripts Prescription, Davis Vision Blue Cigna Medicare Surround, Cigna Healthspring Rx, Cigna Vision and Delta Dental

3 Plan Design Changes for 2017 OAP and POS Plans P A G E 3 Changes to the OAP and POS plans are outlined in the charts below: Cigna Open Access Plus (OAP) Description of Service In-Network Coverage Out-of-Network Coverage 2016 Plan 2017 Plan CHANGES 2016 Plan 2017 Plan CHANGES Annual Deductible $300 Individual $600 Family $500 Individual $1,000 Family $600 Individual $1,200 Family $1,000 Individual $2,000 Family Out of Pocket Maximum $1,500 Individual $3,000 Family $2,000 Individual $4,000 Family $2,500 Individual $5,000 Family $4,000 Individual $8,000 Family Cigna Point of Service (POS) Description of Service In-Network Coverage Out-of-Network Coverage 2016 Plan 2017 Plan CHANGES 2016 Plan 2017 Plan CHANGES Annual Deductible $150 Individual $300 Family $300 Individual $600 Family $600 Individual $1,200 Family NO CHANGE Out of Pocket Maximum $3,000 Individual $6,000 Family NO CHANGE $2,500 Individual $5,000 Family $6,000 Individual $12,000 Family Mental Health Office Visit Co-pay $20 $40 20% Co-insurance NO CHANGE Urgent Care Visit Co-pay $25 $50 $25 $50 There are no changes to the plan design for Express Scripts Express Scripts Prescription In-Network Coverage 2017 Retail Pharmacy (30 day supply) 2017 Mail Order Program (90 day supply) Generic $10 $20 Preferred Brand $30 $60 Non-Preferred Brand $50 $100 Save with Mail Order! Mail order prescription co-pays are double the retail copay - for a 90 day supply; so you get 3 months for the price of 2! 2016 Out of Pocket Maximum $3,000 Individual/$6,000 Family

4 P A G E 4 Open Enrollment Prescription Drug Formulary - OAP and POS participants Each year, and sometimes more frequently, the prescription drug formulary is reviewed by Express Scripts and changes may be made. This could affect the cost of or coverage for a medication in the new year. Express Scripts will send personal notifications to any participants directly affected by these changes before January 1, There ways you can verify that your medications are covered: Call Express Scripts - or use their on-line search tools by logging in to your account at If you do not have an account, choose Register Now. A summary of changes for 2017 is below. For a complete list of 2017 exclusions and available preferred alternatives visit the Express Scripts website or click here Express Scripts Formulary Changes New Exclusions COLCHICINE KINERET ORENCIA TALTZ ZYCLARA ACCU-CHEK COMPACT BLUE CONTROL SOLUTION Preferred-to-Nonpreferred Changes ANALPRAM ADVANCED, ANAL- PRAM-HC 2.5% LOTION CUPRIMINE DIFFERIN 0.1% LOTION FORADIL LIPTRUZET MIRAPEX ER 3.75 MG TABLET OXTELLAR XR RIOMET TRELSTAR LA XTANDI DAKLINZA* SOVALDI* * Note: These products are currently excluded but members who meet the exception criteria for coverage will experience a preferred-to-nonpreferred copay change.

5 Open Enrollment OAP and POS Plans P A G E 5 Cigna Medical Cost Estimator Did you know that where you receive a medical service or procedure can affect your out-of-pocket cost by sometimes hundreds of dollars? With the Cigna Medical Cost Estimator you can estimate your average medical costs for a specific procedure, then choose your doctor and place for care based on cost, plan and location. The Medical Cost Estimator, found on allows you to enter your procedure and then provides you with estimated out of pocket cost for providers near you. To access the Medical Cost Estimator, go to and log in to your account. If you have not established an account on MyCigna, choose Register and follow the prompts to set up a user name and password. Once on the website, choose Estimate Health Care Costs and then Health Care Professional Directory. Choose the Procedure tab and either enter the name of your procedure or choose it from Popular Medical Searches on the left side. Choose the participant who will be receiving the services and search. Once you execute the search, you will be provided with a list of physicians or facilities and the cost for each based on data that Cigna has on file. Out-of-Network Benefits Out-of-Network WILL cost you more! Through the LCPS health insurance program you have access to providers who do not partner with Cigna through your out-of-network benefit. In all cases, you will pay more to do so. There have been changes to deductibles and out-of-pocket maximums for With out-of-network providers the allowable amount is based on a fixed fee schedule similar to how Medicare reimburses. Cigna will calculate their reimbursement on this allowable amount. This sometimes results in out-of-network providers passing along additional charges to you through balance billing (a provider s way of collecting amounts not reimbursed by Cigna). Cigna s network provides a full complement of providers for all levels of care. If you are currently using out-of-network providers, we strongly encourage you to find in-network alternatives. You can search for providers at

6 P A G E Retiree Health Insurance Premiums Retirements on or Before July 1, 2014

7 2017 Retiree Health Insurance Premiums Retirements on or Before July 1, 2014 Continued P A G E 7 Retirements After July 1, 2014

8 P A G E 8 Valuable Resources Easy to Register - Easy to Use Register today. It s this easy: 1. Go to and select Register. 2. Enter your personal details like name, address and date of birth. 3. Confirm your identity with secure information like your Cigna ID, social security number or complete a security questionnaire. This will make sure only you can access your information. 4. Create a user ID and password. 5. Review and submit. Now you re ready to log in to your personal, secure mycigna.com site. See how the site has been designed to click with you, making it easy to navigate and find what you need: Find doctors and medical services Manage and track claims See cost estimates for medical procedures Compare quality of care ratings for doctors and hospitals Access a variety of health and wellness tools and resources It s a whole new world of online service! myvrs for Retirees Did you know there is a VRS website just for retirees? View benefit payment information, tax withholdings, and cost-of-living adjustments Review your health insurance credit, if eligible View your life insurance coverage View and update your personal contact information See retiree education options FAQs and more! Visit and choose the Retirees tab at the top to log in or view other resources.

9 P A G E 9 Free Flu Shots Avoid the Flu - Get your Free Flu Shots LCPS employees and retirees are eligible for a free flu shot at an LCPS flu shot clinic. Flu shots will be provided by Inova HealthSource: The flu shot is inactive All shots are administered by Inova-employed Nurses Inova will accept all credit cards, cash or check as payment for services rendered to family members Family members will be charged $30.00 per shot Flu shots are available to anyone over the age of 4, including pregnant women (a doctor s note is not required) The influenza vaccines administered at the LCPS flu shot clinics this year are made to protect against the following four viruses: an A/California/7/2009 (H1N1)pdm09-like virus; an A/Hong Kong/4801/2014 (H3N2)-like virus; a B/Brisbane/60/2008-like virus. a B/Phuket/3073/2013-like virus. *Please refer to the Centers For Disease Control and Prevention website for more information: flu/keyfacts.htm. LCPS Flu Shot Clinics Clinic Location Date of Clinic Start Time End Time Heritage High, School, Leesburg 9/19/2016 7:00 AM 9:00 AM Seneca Ridge MS, Sterling 9/19/2016 3:30 PM 6:00 PM Valley Service Center, Hamilton 9/20/2016 9:00 AM 12:00 noon Smart s Mill MS, Leesburg 9/20/2016 3:30 PM 6:00 PM Park View High School, Sterling 09/21/2016 7:00 AM 9:00 AM River Bend MS, Sterling 09/21/2016 3:30 PM 6:00 PM Central Garage, Leesburg 09/22/2016 9:00 AM 12:00 noon Administration Building, Ashburn 09/22/2016 3:30 PM 6:00 PM Loudoun Valley HS, Purcellville 09/23/2016 7:00 AM 9:00 AM Mercer MS, Aldie 09/23/2016 3:30 PM 6:00 PM Administration Building, Ashburn 10/04/2016 7:00 AM 10:00 AM Farmwell Station MS, Ashburn 10/04/2016 3:30 PM 6:00 PM Freedom HS, Chantilly 10/05/2016 7:00 AM 9:00 AM Sterling MS, Sterling 10/05/2016 3:30 PM 6:00 PM Briar Woods HS, Ashburn 10/06/2016 7:00 AM 9:00 AM Harmony MS, Hamilton 10/06/2016 3:30 PM 6:00 PM Administration Building, Ashburn 10/22/2016 9:00 AM 3:00 PM Administration Building, Ashburn 11/12/2016 9:00 AM 3:00 PM

10 P A G E 10 Wellness Works! Passport Program The Wellness Works! Passport must be completed by December 31, 2016 and returned to Employee Health, Wellness and Benefits no later than January 31, First, you need a Retiree Wellness Works! Passport. If you don t have one, print one from our website, call Employee Health, Wellness and Benefits or wellness@lcps.org to request one. Please specify that you need a Retiree Wellness Works! Passport. Next, complete the requirements listed on Pages 2-3 of the Wellness Handbook by December 31, 2016 (turn your passport in early so you don t forget during the holiday season!). For your convenience, you have until January 31, 2017 to turn in your completed passport, however, all requirements must be completed between the dates of January 1, December 31, Biometric Information An important reminder about your health assessment. Biometrics must be included to receive your reward! While you can receive free biometric screenings monthly through our partnership with INOVA, one of the best ways to get this information - and more - is to visit your doctor for your FREE ANNUAL PHYSICAL! Medicare-eligible participants should check the Medicare preventive visit schedule to determine the preventive care services for which they are eligible. Reporting data is critical to ensuring that we are aware of and meeting the needs of our retirees relating to wellness initiatives and disease management programs, and it is mandatory to receive your reward. When do I get my $120 reward? If you complete all required steps before December 31, 2016, and your submission is received by Employee Health, Wellness and Benefits by January 31, 2017, you will receive your reward before March 30, 2017, but no earlier than February 1, There s Still Time! Free Biometrics Screenings October 11, 22, November 12, 17 and December 5 See the calendar on Page 14 for times and locations.

11 P A G E 11 Wellness Works! Upcoming Programs Tobacco Cessation Lifestyle Management Course Sign up for a five-week course on understanding and quitting tobacco use - made available through the LCPS Wellness Works! Program. Each hourlong class is led by a professional health instructor and focuses on the techniques and support you need to conquer your addiction and start living a tobacco-free life. Learn about: Reasons you might use tobacco The health risks of tobacco use Creating the most effective quit plan for you Strategies to stay strong and resist the urge to use tobacco Find the strength to kick the habit for good! Wednesdays October 12 November 9 5:45 pm - 6:45 pm at the Administration Building You must be registered to attend Registration opens: Monday, September 19 Registration closes: Friday, September 30 Payment due: Friday, October 7 Classes begin: Wednesday, October 12 Registration: Click Here Cost and Payment The cost of the 5-week program is $155 per participant. Payment is due as soon as possible but no later than Friday, October 7. The Loudoun County Public Schools Wellness Works! Program will reimburse the $155 cost upon successful completion of the 5-week program. Successful completion is achieved by attending all 5 weeks and completing both the pre-class survey and post-class survey. Class size will be limited (20 minimum and 35 maximum), and participants will be registered on a first come, first served basis. Upon registration, send $155 payment, per participant, payable to Loudoun County Public Schools; make sure the participant s name is in the memo section of the check. Send check to Loudoun County Public Schools, Attn: Employee Health, Wellness and Benefits, Education Court, Ashburn, VA Healthy Cooking Demonstration Wednesday, November 2 Eagle Ridge Middle, Ashburn 5:30 pm 7:00 pm * Registration Required

12 P A G E 12 Notices Visit our website often: / Administration / Business & Financial Services / Employee Health, Wellness and Benefits For 2017 benefit information and forns look for the Retiree Open Enrollment link on our Home page. Health Insurance Plan Documents Summary of Benefits and Coverage (SBC) and Summary Plan Document (SPD) Looking for more detailed information regarding your coverage? Coverage documents can be found on the Employee Health, Wellness and Benefits website under Retiree Information/Medicare Eligible-Retirees or Non-Medicare Eligible Retirees. The Summary of Benefits and Coverage (SBC) summarizes your coverage and provides practical cost examples. The Summary Plan document (SPD) is the official coverage document that details what is covered, how it is covered, exclusions and limitations. This document takes precedence over any summary information published by LCPS or the insurance providers. Creditable Coverage Notice Are you - or a dependent on your insurance - eligible for Medicare? If so, there are a couple things you need to know about your prescription coverage. Medicare prescription drug coverage is available to everyone with Medicare and it provides a standard level of coverage set by Medicare. The LCPS prescription drug plan, through Express Scripts, provides coverage that exceeds the standard set by Medicare. This is called Creditable Coverage and means you will not pay a penalty if you elect a Medicare drug plan later during a special enrollment period. A link to the full Creditable Coverage disclosure can be found on the Employee Health, Wellness and Benefits homepage or by Clicking Here. Find these, and other regulatory notices by clicking the Regulatory Notices link on the left side of the Employee Health, Wellness and Benefits page or by Clicking Here.

13 P A G E 13 Shopping and Dining Discounts Leesburg Corner Premium Outlet Mall 241 Fort Evans Road NE Leesburg, VA Show your badge to receive a coupon booklet at the information desk in the food court. J. Crew (Leesburg Corner Premium Outlets) 241 Fort Evans Road Leesburg. VA % discount to LCPS employees Michael s 1019A Edwards Ferry Road Leesburg, VA % discount with LCPS badge Play It Again Sports 59 Catoctin Circle, NE Leesburg, VA % discount with LCPS badge These restaurants are currently offering discounts to LCPS employees. Check the full Employee Discount Program list for more details and contact information. Ashburn Bagel & Sandwich Shop, Ashburn Bob Evans, Leesburg Buffalo Wings & Beer, Leesburg Cafè Opera, Ashburn Cici s Pizza, Leesburg Clyde s Willow Creek Lodge, Ashburn Friendly s, Sterling Fuddruckers, Ashburn Green Turtle, Leesburg Jersey Mike s, Leesburg Johnny s New York Style Pizzeria & Restaurant, Ashburn Manhattan Pizza, Leesburg Mel Gourmet Cheeseburgers, Leesburg Red, Hot and Blue, Leesburg Robeks, Ashburn and Sterling Roy Rogers, Leesburg Smokehouse Live, Leesburg Sycolin Deli, Leesburg T.G.I Friday s Leesburg You must show your LCPS retiree badge to receive the discounts. To see the entire Employee Discounts list go to / Administration / Business & Financial Services / Employee Health, Wellness and Benefits / Employee Discounts Reminder NEW Medicare-eligible retirees must enroll in Medicare Part A & B, and send a copy of their Medicare Card to Employee Health, Wellness and Benefits, to be enrolled in the Medicare supplement plan. Please send your card in advance. Enrollment will be the first of the month following receipt of the card or eligibility date, whichever is later. Don t delay!

14 P A G E 14 Calendar and Contacts Calendar of Events Contacts Oct. 11 Oct. 12, 19, 26, Nov 2 & 9 Oct. 22 Oct. 22 Nov. 2 Nov. 12 Nov. 12 Nov. 17 Dec. 5 Dec. 13 Biometric Screenings Simpson Middle, Leesburg 3:30 pm - 6:00 pm Tobacco Cessation LMP Administration Building, 1st Floor 5:45 pm - 6:45 pm Open Enrollment Event Administration Building, 1st Floor 9:00 am - 3:00 pm LCPS Flu Shot Clinic & Biometric Screening Administration Building, 1st Floor 9:00 am - 3:00 pm Healthy Cooking Demonstration Eagle Ridge Middle, Ashburn 5:30 pm - 7:00 pm Open Enrollment Event Administration Building, 1st Floor 9:00 am - 3:00 pm LCPS Flu Shot Clinic & Biometric Screening Administration Building, 1st Floor 9:00 am - 3:00 pm Biometrics Screening Harmony Middle, Hamilton 3:30 pm - 6:00 pm Biometrics Screening Administration Building, Ashburn 3:30 pm - 6:00 pm Blood Drive Administration Building Ashburn 1:30 pm - 6:00 pm Cigna Express Scripts Pharmacy Delta Dental Davis Vision Cigna Vision (Medicare-eligible) or Virginia Retirement System (VRS) VRS 457 Deferred Compensation Plan Defined Contribution Plans Employee Health, Wellness & Benefits lcpshealthwellness@lcps.org Fax: Retirement & Disability Programs lcpsretiredisability@lcps.org Fax: