WELCOME Open Enrollment October 30-November 13,

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Frederica Sutton
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1 WELCOME 2018 Open Enrollment October 30-November 13,

2 AGENDA Medical Anthem Health Savings Account Health Savings Administrators (VIDEO) Flexible Spending Account Flexible Benefits Administrators Dental Delta Dental Vision Vision Service Plan STD / LTD Cigna Fitness Center Enrollment 2

ENROLLMENT DATES: 10/30/17 TO 11/13/17 Annual opportunity to make changes to your benefits Add or remove spouse and dependents Dependent Eligibility Legally married spouse as recognized by the

3 ENROLLMENT DATES: 10/30/17 TO 11/13/17 Annual opportunity to make changes to your benefits Add or remove spouse and dependents Dependent Eligibility Legally married spouse as recognized by the Commonwealth of Virginia Statute Children under age 26 which includes: newborn, natural or stepchild, adopted child, or child whom you have legal guardianship or court-ordered custody Dependent Certification Provide marriage certificate and/or birth certificate for newly enrolled dependents by November 30,

Open Access Virginia coverage (except ER is National)

4 ANTHEM BLUE CROSS BLUE SHIELD Anthem Preferred Provider Organization (PPO) National coverage Anthem Healthkeepers Open Access Virginia coverage (except ER is National) Lumenos Health Savings Plan With Health Savings Account (formerly HDHP) 4

5 Anthem Blue Cross Blue Shield Plan Changes Urgent Care : $45 copay (same as specialist) Increase of ER copay from $175 to $225 Increase of Maternity from $200 to $300 (Healthkeepers Only) Lumenos Deductible $2700/$5400

6 2018 PLAN DESIGNS Benefits PPO HealthKeepers Lumenos Health Savings Plan In Network Benefits In Network Benefits In Network Benefits Deductible $0 / $0 $0 / $0 $2,700 / $5,400* All Preventive Exams No Charge No Charge No Charge Primary Care $25 $25 0% after deductible Specialist $45 $45 0% after deductible Urgent Care $45 $45 0% after deductible Emergency Room $225 $225 0% after deductible Outpatient Facility $250 $250 0% after deductible Maternity $45 co-pay per visit $300 flat fee (duration) 0% after deductible Inpatient - Other $500 per admission $500 per admission 0% after deductible Out of Pocket Max $3,000 / $6,000 $3,000 / $6,000 $3,500 / $7,000 Prescription Drugs $10 / $30 / $50/ 20%, max $200 $10 / $30 / $50/ 20%, max $200 Mail Order Prescription Drugs $20 / $60 / $100/ 20%, max $400 $20 / $60 / $100/ 20%, max $400 $10 / $30 / $50/ 20% max $200 after deductible $20 / $60 / $100/ 20% max $400 after deductible * IRS regulations define the minimum embedded deductibles allowed on HSA Plans This chart represents only a sample of the benefits covered, please refer to your Certificate of Coverage for all benefits. 6

HEALTH PREMIUM INCENTIVE 20% incentive on health premiums if smoke & tobacco free as of April 1, 2017 All health insurance programs cover qualified smoking cessation programs and

7 HEALTH PREMIUM INCENTIVE 20% incentive on health premiums if smoke & tobacco free as of April 1, 2017 All health insurance programs cover qualified smoking cessation programs and products at 100%. MUNIS Self Service will require every employee to read and certify their status of Smoke-Free or Smoker REGARDLESS of whether electing or declining Health Insurance 7

8 Health claims nationally trending 7% higher then 2016 City s claims are trending favorably between 5-6% Medical Premium Increase: 5.2% No premiums still if Lumenos Non- Smoker City currently contributing approx. $32 Million for active employee medical coverage

9 2018 SUMMARY OF MONTHLY PREMIUMS Anthem Medical PPO Employee with incentive Employee without incentive Single $ $ Single + 1 Child $ $ Single + Spouse $ $ Family $ $ HEALTHKEEPERS Employee with incentive Employee without incentive Single $ $ Single + 1 Child $ $ Single + Spouse $ $ Family $ $ Lumenos Health Savings Plan Employee with incentive Employee without incentive City Contribution to HSA Single $ 0 $15.60 $ Single + 1 Child $ 0 $26.76 $ Single + Spouse $ 0 $35.68 $ Family $ 0 $44.60 $ *Employees are eligible for a 20% incentive if they are smoke & tobacco free. 9

ANTHEM ADDITIONAL BENEFITS LiveHealth Online 1-800-LiveHealth Mobile Health mobilehealthconsumer.com Forget your ID card?

10 ANTHEM ADDITIONAL BENEFITS LiveHealth Online LiveHealth Mobile Health mobilehealthconsumer.com Forget your ID card? Need driving directions there? Refill a prescription? Find a doctor or urgent care? Anthem has an app for that! Anthem.com 10

11 HSA Health Savings Account Available only with the Lumenos Health Savings Plan LUMENOS VIDEO 11

12 HSA Health Savings Administrators (cont.) How much am I able to contribute? Type of Coverage 2018 Annual Employee Maximum 2018 Annual City Contribution 2018 Annual Contribution Maximum Single $2,994 $ 456 $3,450 Single + 1 Child $6,120 $ 780 $6,900 Single + Spouse $5,964 $ 936 $6,900 Family $5,556 $1,344 $6,900 Contributions over the annual maximum are subject to a 6% penalty. Does not include $1000 catchup if age 55 or older No Set Up fees; Annual Admin Fee = $36 Variety of Vanguard Funds Enrollment Auto notification: Health Savings Administrators sends an confirmation 12

FSA FLEXIBLE BENEFIT ADMINISTRATORS January 1-December 31, 2018 calendar benefit year Medical and/or dependent care Maximum Annual Medical: $2,600.00 Dependent Care: $5,000.

13 FSA FLEXIBLE BENEFIT ADMINISTRATORS January 1-December 31, 2018 calendar benefit year Medical and/or dependent care Maximum Annual Medical: $2, Dependent Care: $5, Must enroll every year If you do not re-enroll, your benefits will end 12/31/2018 Use it or lose it Run-Out period for filing: March 31, 2019 Can not be enrolled in a Health Savings Account if doing Health Flexible Spending. See website for more information: 13

14 You Can Elect: HSA or FSA- Medical but Not Both (per IRS Regulations) 14

15 DELTA DENTAL BENEFITS No changes to deductibles, co-insurance or premiums PPO + Premier-2018 Premiums Employee Pays Single $8.00 Single + 1 $15.00 Family $25.00 Provider listing and mobile app available at: 15

16 DELTA DENTAL BENEFITS Good to Know: Fluoride Treatment frequency - Twice in a 12 consecutive month period for enrollees under age 19 Replacement of crowns, dentures and bridges changed to once every 7 years Full mouth x-rays frequency - changed to once in a 5 year period (from 3 yrs) *changed 1/1/

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VSP BENEFITS No changes to deductibles, co-insurance or premiums VSP Full Service Optional Coverage Free Exam ($60 for contacts) $10.00 copay for lenses $150.00 allowance for frames or $130.

18 VSP BENEFITS No changes to deductibles, co-insurance or premiums VSP Full Service Optional Coverage Free Exam ($60 for contacts) $10.00 copay for lenses $ allowance for frames or $ allowance for contacts Lens and frame replacement once every calendar year City Paid - Exam Only Vision No need to enroll Annual exam per year (employee only) $0 Cost Benefit details are available on the website Vision Employee Pays Single $8.00 Single + 1 $13.00 Family $

19 DISABILITY SHORT TERM DISABILITY Purchase 50% coverage VRS Hybrid employees Not eligible Paper enrollment if New or if cancelling LONG TERM DISABILITY employer-provided 40% coverage at no cost Buy-up additional 10% VRS Hybrid employees Not eligible Paper enrollment if New or if cancelling 19

FITNESS CENTERS (1/1/18 rates) Fitness Center Membership ~ OneLife Fitness Center ~ Riverside Wellness Center ~ YMCA No changes to membership tiers Can only cancel membership during open enrollment,

20 FITNESS CENTERS (1/1/18 rates) Fitness Center Membership ~ OneLife Fitness Center ~ Riverside Wellness Center ~ YMCA No changes to membership tiers Can only cancel membership during open enrollment, when contract ends or due to a life event As of today, the fitness reimbursement program is the current procedure YMCA Employee Pays Single $30.00 Single + Spouse $50.00 One Adult + Children $53.00 Family $58.00 One Life Fitness Employee Pays Single $25.00 Single + Spouse $50.00 Riverside Wellness & Fitness Center Employee Pays Single $28.00 Single + Spouse $

gov for assistance Dependent Information

City, proper documentation will need to be

22 Network ID and Password call IT at or for assistance Dependent Information SSN, Date of Birth if dependent new to City, proper documentation will need to be sent to Benefits Office (copy of marriage license, birth certificates)

23 City Center James & Warwick Room Monday 10/23/2017 Information sessions: 10:30am & 2:00pm Police Headquarters Tuesday 10/24/2017 Information Session: 3:00pm Public Works Stormwater/Wastewater Annex Wednesday 10/25/2017 Information Session: 7:00am City Hall City Council Chambers Thursday 10/26/2017 Information sessions: 10:30am & 2:00pm Rouse Towers Friday 10/27/2017 Information Session: 10:00am Lee Hall Waterworks Monday 10/30/2017 Information Session: 7:00am

24 Registration Available and Preferred via MUNIS ESS However Walk-Ins Welcome Lee Hall: Waterworks Operation Training Room Thursday 11/02/2017 7:00am 9:00am & 1:00pm 3:00pm Rouse Towers: 9 th Floor conference Room Monday 11/06/2017 8:00am 12pm Public Works: Stormwater/Wastewater Annex Training Room Tuesday 11/07/2017 7:00am 9:00am & 1:00pm 3:00pm City Hall: Finance 7 th Floor Conference Room Wednesday 11/08/2017 9:00am - 3:00pm

25 2018 Open Enrollment October 30-November 13,

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2019 Benefits Open Enrollment

2019 Benefits Open Enrollment Payroll and Employee Benefits Please Remember: If you do not take any action during Benefits Open Enrollment you will lose your Tobacco-Free Premium Discount beginning January