City of Richmond, Virginia

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City of Richmond, Virginia Richmond Retirement System NEWS RELEASE October 26, 2015 Contact: Kristina Friar Retirement Specialist Email: kristina.friar@richmondgov.

1 City of Richmond, Virginia Richmond Retirement System NEWS RELEASE October 26, 2015 Contact: Kristina Friar Retirement Specialist Phone: Health and Dental Insurance Open Enrollment is Monday, October 31, 2016 to Monday, November 21, 2016 The City of Richmond Department of Human Resources and CIGNA have partnered to mail information about open enrollment to covered RRS retirees. Open enrollment for both CIGNA health and CIGNA dental insurance will begin on October 31, 2016 and end on November 21, During this time, retirees may choose to add, drop, or modify their health and dental insurance coverage. Highlights: Retirees are encouraged to read the attached memo to determine if they want to submit forms to add, drop, or modify coverage. However, no action is required by retirees. In general, retirees who participated in the Health Assessment Initiative will not see their CIGNA health insurance premiums increase. Conversely, retirees who did not participate in the Health Assessment Initiative will see their CIGNA health insurance premiums increase. Because the new plan year will begin January 1, 2017, any changes will first affect payments made on January 31, For retirees making changes, information must be received before 5:00 p.m. on November 21, Retirees should mail information to: Richmond Retirement System, 730 East Broad Street, Suite 900, Richmond, Virginia The following pages provide more detailed information. If you have questions about open enrollment, you can attend an information session or call the Department of Human Resources at (804) or CIGNA at ### Richmond Retirement System 730 East Broad Street * Suite 900 * Richmond, VA Phone: * * Fax:

2 Summary of CIGNA Retiree Premium Rates, monthly* NO CHANGE TO DENTAL PREMIUM RATES: CIGNA Dental DHMO All Retirees OLD rate NEW rate Retiree Only $17.25 $17.25 Retiree + Child $28.23 $28.23 Retiree + Spouse $35.16 $35.16 Family $48.14 $48.14 *New rates effective January 1, CIGNA Dental PPO All Retirees OLD rate NEW rate Retiree Only $24.40 $24.40 Retiree + Child $40.27 $40.27 Retiree + Spouse $50.27 $50.27 Family $79.45 $79.45 Summary of CIGNA Retiree Premium Rates, monthly* HEALTH ASSESSMENT TAKEN: PLAN A, PREMIER PLAN, HEALTH ASSESSMENT TAKEN Retiree Only $ $ $ $ $ $ $ $ Retiree + One $ $ $ $ $ $ $1, $1, Family $1, $1, $1, $1, $1, $1, $2, $2, Dependent Spouse $ $ $ $ $ $ $ $ PLAN B, CLASSIC PLAN, HEALTH ASSESSMENT TAKEN Retiree Only $ $ $ $ $ $ $ $ Retiree + One $ $ $ $ $ $ $1, $1, Family $1, $1, $1, $1, $1, $1, $2, $2, Dependent Spouse $ $ $ $ $ $ $ $ CHOICE FUND (HIGH DEDUCTIBLE PLAN WITH HSA), HEALTH ASSESSMENT TAKEN Retiree Only $ $ $ $ $ $ $ $ Retiree + One $ $ $ $ $ $ $1, $1, Family $1, $1, $1, $1, $1, $1, $1, $2, Dependent Spouse N/A $ N/A $ N/A $ N/A $ *New rates effective January 1, Use RAPIDS Retiree Self Service to confirm rate changes on January 31, 2017.

3 HEALTH ASSESSMENT NOT TAKEN: PLAN A, PREMIER PLAN, HEALTH ASSESSMENT NOT TAKEN Retiree Only $ $ $ $ $ $ $ $ Retiree + One $ $1, $ $1, $ $1, $1, $1, Family $1, $1, $1, $1, $1, $1, $2, $2, Dependent Spouse $ $ $ $ $ $ $ $ PLAN B, CLASSIC PLAN, HEALTH ASSESSMENT NOT TAKEN Retiree Only $ $ $ $ $ $ $ $ Retiree + One $ $ $ $1, $ $1, $1, $1, Family $1, $1, $1, $1, $1, $1, $2, $2, Dependent Spouse $ $ $ $ $ $ $ $ CHOICE FUND (HIGH DEDUCTIBLE PLAN WITH HSA), HEALTH ASSESSMENT NOT TAKEN Retiree Only $ $ $ $ $ $ $ $ Retiree + One $ $ $ $ $ $ $1, $1, Family $1, $1, $1, $1, $1, $1, $1, $2, Dependent Spouse N/A $ N/A $ N/A $ N/A $ *New rates effective January 1, Use RAPIDS Retiree Self Service to confirm rate changes on January 31, 2017.

4 HEALTH ASSESSMENT TAKEN BY ONE INDIVIDUAL: I.e. retiree but not spouse has taken health assessment, or spouse but not retiree has taken health assessment PLAN A, PREMIER PLAN, NOT COMPLETED BY BOTH RETIREE AND SPOUSE Retiree + One $ $ $ $ $ $1, $1, $1, Family $1, $1, $1, $1, $1, $1, $2, $2, PLAN B, CLASSIC PLAN, NOT COMPLETED BY BOTH RETIREE AND SPOUSE Retiree + One $ $ $ $ $ $ $1, $1, Family $1, $1, $1, $1, $1, $1, $2, $2, CHOICE FUND (HIGH DEDUCTIBLE PLAN WITH HSA), NOT COMPLETED BY BOTH RETIREE AND SPOUSE Retiree + One $ $ $ $ $ $ $1, $1, Family $1, $1, $1, $1, $1, $1, $1, $2, *New rates effective January 1, Use RAPIDS Retiree Self Service to confirm rate changes on January 31, Source: Department of Human Resources Memo provided to the RRS on October 21, 2016 (attached)

5 DATE: October 19, 2016 TO: FROM: All Eligible City Retirees Johnny L. McLean Director of Human Resources SUBJECT: RETIRED EMPLOYEES Benefits Open Enrollment Calendar Year 2017 Open Enrollment for your benefits for calendar year 2017 is October 31, 2016 through November 21, The City of Richmond is pleased to announce for the 5 th year in a row, there will be no increase in healthcare insurance premiums for retirees who have completed the health assessment! Healthcare Premium Incentive: 1) The healthcare insurance premium differential for those retirees who did not complete the online health assessment will be 20%. 2) If you have a spouse on your healthcare plan with Cigna, BOTH the retiree AND spouse must have completed the online health assessment by October 31, 2016 to receive the full healthcare premium incentive for If only one of you completed the Health Assessment, you will receive a portion (75%) of the premium incentive for What You Need to Know: Retirees can make benefit changes for Medical and Dental during this Open Enrollment period. All changes will be effective January 1, It is strongly recommended that you attend an Open Enrollment session (schedule is on page 5 of this memorandum). During Open Enrollment, you may enroll in, decline or make changes to your current medical and dental plan elections. If you do not make any changes to your medical or dental plans, you will continue with the coverage you currently have. If you wish to add dependents to your plan(s), you must provide documentation that the dependents you are adding are eligible for coverage. If documentation is not received by November 21, 2016, your dependents will not be added to your coverage effective January 1, You do not need to submit dependent verification for dependents already covered under your plan. If you have questions about documentation, contact Human Resources at Health Savings Account (HSA): If you enroll in, or stay in, the Choice Fund High Deductible Medical Plan and wish to make contributions to your HSA, you must complete a new HSA Employee Annual Election Form. If you contributed to the HSA in 2016, that election does NOT automatically roll over to The City will January 1, 2017 Open Enrollment Active Employees Page 1

6 make a contribution to your HSA even if you choose not to contribute. The City will contribute $500 for Retiree Only Coverage and $1,000 for Retiree plus Dependents (prorated for enrollments during the year). Please note you are no longer eligible for the HSA upon attaining age 65. Human Resources will be hosting informational sessions during open enrollment (October 31, 2016 through November 21, 2016). Representatives from our vendors will also be in attendance. Completed enrollment forms must be received by 5:00 p.m. on Monday, November 21, 2015 in the Richmond Retirement System s office at 730 East Broad Street, Suite 900, Richmond, VA Deadline for this Open Enrollment period is 11:59 p.m. on Monday, November 21. CIGNA Dental Plans Rates: The CIGNA dental rates will remain the same in 2017 as they were in Dental HMO Dental PPO Monthly Bi weekly Monthly Bi weekly EE Only $17.25 $8.63 $24.40 $12.20 EE + 1 Child $28.23 $14.12 $40.27 $20.14 EE + Spouse $ $50.27 $25.14 EE Family $48.14 $24.07 $79.45 $39.73 January 1, 2017 Open Enrollment Active Employees Page 2

7 CIGNA Medical Plan Rates Plan A, Premier Plan Your medical contributions will vary depending upon your years of service with the City and upon whether you and your spouse have taken the Health Risk Assessment. Cigna Medical Plan A Premier Plan Total monthly ALL ELIGIBLE RETIREES What COR contributes monthly What you pay monthly 0% City Contribution Health Assessment Completed Retiree Only $ $0.00 $ Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment Not Completed Retiree Only $ $0.00 $ Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $1, $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $ $1, Retiree + Family $2, $1, $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $1, Retiree + Family $2, $ $1, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $1, $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $1, $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $1, Retiree + Family $2, $1, $1, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $1, $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $1, $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $1, Retiree + Family $2, $1, $1, January 1, 2017 Open Enrollment Active Employees Page 3

8 CIGNA Medical Plan Rates Plan B, Classic Plan Your medical contributions will vary depending upon your years of service with the City and upon whether you and your spouse have taken the Health Risk Assessment. Cigna Medical Plan B Classic Plan Total monthly ALL ELIGIBLE RETIREES What COR contributes monthly What you pay monthly 0% City Contribution Health Assessment Completed Retiree Only $ $0.00 $ Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment Not Completed Retiree Only $ $0.00 $ Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $ $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $ $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $1, Retiree + Family $2, $ $1, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $1, $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $ $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $1, Retiree + Family $2, $ $1, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $1, $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $1, $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $ Retiree + Family $2, $1, $1, January 1, 2017 Open Enrollment Active Employees Page 4

9 CIGNA Medical Plan Rates Choice Fund High Deductible Plan with Health Savings Account Your medical contributions will vary depending upon your years of service with the City and upon whether you and your spouse have taken the Health Risk Assessment. Cigna Medical Choice Fund HDHP with HSA Total monthly ALL ELIGIBLE RETIREES What COR contributes monthly What you pay monthly 0% City Contribution Health Assessment Completed Retiree Only $ $0.00 $ Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment Not Completed Retiree Only $ $0.00 $ Retiree + 1 $1, $0.00 $1, Retiree + Family $2, $0.00 $2, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $ $ Retiree + Family $2, $ $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $ $ Retiree + Family $2, $ $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $ Retiree + Family $2, $ $1, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $ $ Retiree + Family $2, $ $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $ $ Retiree + Family $2, $ $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $ Retiree + Family $2, $ $1, % City Contribution Health Assessment Completed Retiree Only $ $ $ Retiree + 1 $1, $ $ Retiree + Family $2, $1, $1, % City Contribution Health Assessment NOT Completed by BOTH Employee AND Spouse Retiree + 1 $1, $ $ Retiree + Family $2, $ $1, % City Contribution Health Assessment Not Completed Retiree Only $ $ $ Retiree + 1 $1, $ $ Retiree + Family $2, $ $1, January 1, 2017 Open Enrollment Active Employees Page 5

10 City of Richmond Active Employees and Retirees Open Enrollment Dates: October 31 November 21, 2016 Changes Effective January 1, 2017 Date Time Location Monday, October a.m. Richmond Police Academy; 1202 West Graham Road, Room p.m. Oliver Hill Courts Building; 1600 Oliver Hill Way Tuesday, November a.m. DPU Water Plant 3920 Douglasdale Road Noon 2 p.m. Richmond Police Headquarters; 200 West Grace Street, Focus Room Wednesday, November 2 8:30 10:30 a.m. Fire Headquarters; 201 East Franklin Street, Auditorium 2 4 p.m. DPU 730 East Broad Street; Lower Level Thursday, November a.m. DPW 3506 North Hopkins Road 4 6 p.m. Richmond Justice Center; 1701 Fairfield Way (RICHMOND SHERIFF S OFFICE EMPLOYEES ONLY) Friday, November a.m. DPU Operations Center; 400 Jefferson Davis Highway, Atrium Monday, November 7 10 a.m. noon Fire Station #23; 495 Labrook Concourse Tuesday, November a.m. DPU Wastewater Treatment Plant; 1400 Brander Street, Warehouse 1 3 p.m. John Marshall Courts Building; 400 North 9 th Street, Lower Level Jury Room Wednesday, November 9 10 a.m. noon Fire Station # Hermitage Road 2 4 p.m. City Hall; 900 East Broad Street, 2 nd floor, City Council Chambers Thursday, November a.m. City Hall; 900 East Broad Street, 2 nd floor, City Council Chambers 1 3 p.m. Richmond Police Academy; 1202 West Graham Road, Room 103 Monday, November a.m. Richmond Justice Center; 1701 Fairfield Way (RICHMOND SHERIFF S OFFICE EMPLOYEES ONLY) 1 3 p.m. DSS Marshall Plaza; 900 East Marshall Street, 3 rd Floor Training Rooms A B Tuesday, November a.m. DEC 3516 North Hopkins Road 11 a.m. 1 p.m. DSS Southside Plaza; 4100 Hull Street, Conference Room A Wednesday, November a.m. DEC 3516 North Hopkins Road Thursday, November a.m. DPU Operations Center; 400 Jefferson Davis Highway, Atrium Friday, November a.m. City Hall; 900 East Broad Street, 2 nd floor, City Council Chambers 11 a.m. 1 p.m. City Hall; 900 East Broad Street, 2 nd floor, City Council Chambers Important Note: Formal presentations will be conducted the 1 st hour of the meeting. The remaining time will be for questions and answers and assisting employees with RAPIDS Employee Self-service (making benefit changes). January 1, 2017 Open Enrollment Active Employees Page 6

11 Benefits at A Glance Effective January 1, 2017 Premier Plan A Classic Plan B Cigna Choice Fund with HSA In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network Member 10% 50% 20% 50% 30% 50% Deductible $250 Single $500 Family $1,000 Single $2,000 Family $500 Single $1,000 Family $1,000 Single $2,000 Family $1,500 Single $3,000 Family $3,000 Single $6,000 Family Out-of-Pocket Maximum $5,000 Single $10,000 Family $10,000 Single $20,000 Family $6,350 Single $12,700 Family $10,000 Single $20,000 Family $6,550 Single $13,100 Family $13,100 Single $26,200 Family HSA Contribution from Employer $0 $0 $0 $0 $500 Single $1,000 Family Preventive Care 100%; No Deductible 100%; No Deductible 100% Not Covered If you choose to receive care outside of your plan s network, only covered expenses will be applied to your deductible subject to your plan s Maximum Reimbursable Charge provisions. See your enrollment materials for more information. Premier and Classic plans only have a non collective (embedded) deductible. Once each family member meets his or her individual deductible, insurance begins paying claims at the member coinsurance level, regardless of whether the larger family deductible is met. HSA plan only has a collective or non embedded deductible where the total family deductible must be paid out of pocket before claims are paid at the coinsurance level of 70/30. Out of Pocket Maximums on all plans are non collective each family member is only responsible for the individual out of pocket maximum amounts. Medical Plans Three Options Effective January 1, 2017 Premier Plan A Classic Plan B Cigna Choice Fund with HSA In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network Office Visits $20 PCP $40 Specialist Deductible, 50% $25 PCP $50 Specialist Inpatient Admission Deductible, $500 Copay, 10% Deductible, $500 Copay, 20% Outpatient Facility Deductible, $250 Copay, 10% Deductible, $300 Copay, 20% Emergency Room $200 Copay, 10% $200 Copay, 10% $250 Copay, 20% $250 Copay, 20% Urgent Care $40 Copay $40 Copay $50 Copay $50 Copay HSA plan only All covered medical services are subject to the deductible and coinsurance outside of Preventive Care. January 1, 2017 Open Enrollment Active Employees Page 7

12 Prescription In-Network Premier Plan A Classic Plan B Cigna Choice Fund with HSA Retail (30 Day Supply) Home Delivery (90 Day Supply) Retail (30 Day Supply) Home Delivery (90 Day Supply) Rx $10/$30/$55 $10/$60/$165 $10/$30/$55 $10/$60/$165 Retail (30 Day Supply) subject to maximum of $200 Home Delivery (90 Day Supply) subject to maximum of $400 Out-of-Network Retail (30 Day Supply) Home Delivery (90 Day Supply) Retail (30 Day Supply) Home Delivery (90 Day Supply) Retail (30 Day Supply) Home Delivery (90 Day Supply) Rx Not Covered Not Covered Not Covered Not Covered New Programs Added for 2017 Cigna Telehealth Now Cigna provides access to two telehealth services as part of your medical plan AmWell and MDLIVE. Cigna Telehealth Connection lets you get the care you need including most prescriptions for a wide range of minor conditions. You can connect with a board certified doctor via secure video chat or phone, without leaving your home or office. When, where and how it works best for you! Choose when: Day or night, weekdays, weekends and holidays. Choose where: Home, work or on the go. Choose how: Phone or video chat. Choose who: AmWell or MDLIVE doctors. AmWell and MDLIVE are easy to use! Just register for one or both so you will be ready to use telehealth service when and where you need it! AmWellforCigna.com or MDLIVEforCigna.com Cigna 90 Now Cigna now provides a maintenance medication program called Cigna 90 Now. Maintenance medications are the medications you take regularly, over time, to treat an ongoing health condition. Now you can choose to have your medication filled in a 90 day supply at the retail pharmacy. Here s how it works: If you choose to fill your prescription in a 30 day supply, you can use any retail pharmacy in your plan s new network, or Cigna Home Delivery Pharmacy OR If you choose to fill your prescription in a 90 day supply, you can use a 90 day retail pharmacy in your plan s new network, or Cigna Home Delivery Pharmacy. ***Some of the 90 day retail pharmacies in the network are: CVS, Target, Walmart, Kroger, Good Neighbor Pharmacies*** January 1, 2017 Open Enrollment Active Employees Page 8

13 Planning for Your Cigna Vision Expenses Coverage In Network Benefit Out of Network Benefit Frequency Period Exam Copay $15 N/A 12 months Exam Allowance (once per frequency period) Covered 100% after Copay Up to $45 12 months Materials Copay $0 N/A 12 months Eyeglass Lenses Allowances (once pair per frequency period) Single Vision Covered in Full Up to $32 12 months Bifocal Covered in Full Up to $55 12 months Trifocal Covered in Full Up to $65 12 months Lenticular Covered in Full Up to $80 12 months Contacts Lenses Allowances (once pair or single purchase per frequency period) Elective Therapeutic Frame Retail Allowance (once per frequency period) Covered in Full Covered in Full Up to $87 Up to $ months 12 months Covered in Full Up to $55 24 months Call to find provider Planning for Your Cigna Dental Expenses Coverage Total DPPO Total DHMO In network Benefits Out of Network Benefit (Refer to DHMO Patient Charge Schedule) Annual Deductible $50 Individual $150 Family $50 Individual $150 Family Class I Preventive Care 100%, No Deductible 100%, No Deductible Class II Basic Restorative ** 80%, After Deductible 80%, After Deductible Class III Major Restorative ** 50%, After Deductible 50%, After Deductible None Refer to CIGNA Dental Care (DHMO) Patient Charge Schedule Refer to CIGNA Dental Care (DHMO) Patient Charge Schedule Refer to CIGNA Dental Care (DHMO) Patient Charge Schedule Class IV Orthodontia Coverage for Eligible Children Only 50% No Orthodontia Deductible Lifetime Maximum $ % No Orthodontia Deductible Lifetime Maximum $1000 Refer to CIGNA Dental Care (DHMO) Patient Charge Schedule Calendar Year Maximum In Network Year 1 $1500 Year 2 $1600 Year 3 $1700 Year 4 $1800 Out of Network Year 1 $1500 Year 2 $1100 Year 3 $1200 Year 4 $1300 No Maximum The amount your plan will pay for covered services received through the Cigna DPPO network and out of network will be subject to your plan s maximum reimbursable charge or maximum allowable charge provisions. When visiting a dentist in the Cigna DPPO network or going out of network, you may be balance billed by the dentist for any charges that exceed what your plan reimburses for covered expenses. **Waiting periods may apply All plans have exclusions and Limitations. Please refer to your Benefit Summary for details about your specific plan. January 1, 2017 Open Enrollment Active Employees Page 9

2018 Health, Dental and Vision Monthly Contributions

2018 Health, Dental and Vision Monthly Contributions Benefit Plan Monthly Contributions for Active Regular Full-Time and Part-Time Employees Employee Only Spouse Child(ren) Family Dental: Cigna PPO $ 13