City of Richmond, Virginia

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1 City f Richmnd, Virginia Richmnd Retirement System NEWS RELEASE Philip R. Langham Executive Directr May 31, 2011 Cntact: Adam C. Austin Marketing and Public Relatins Specialist adam.austin@richmndgv.cm Phne: City Opens Health Care Enrllment t Eligible Retirees The City f Richmnd Department f Human Resurces has annunced the new pen enrllment perid fr eligible City Retirees belw the age f 65 and with 10 years f creditable service. In additin, the retiree must have been enrlled in the City s health care plan fr at least 5 years as an emplyee. The pen enrllment perid begins May 31, 2011 thrugh June 17, The medical cverage perid begins July 1, 2011 thrugh June 30, Current retirees receiving health care thrugh the City s plan will receive an pen enrllment package directly frm CIGNA Heathcare. Fr mre infrmatin please reference the infrmatin belw r call the City s Department f Human Resurces at Richmnd Retirement System 900 East Brad Street * Rm 400 * Richmnd, VA Phne: * * Fax:

2 City f Richmnd Intra City Crrespndence Date: May 23, 2011 T: Frm: Subject: All Benefit Eligible City Emplyees and Retirees Jya Hayes, Interim Directr Department f Human Resurces Annual Health Insurance Open Enrllment During this year s Annual Health Insurance Open Enrllment, which will be held May 31, 2011 t June 17, 2011, yu have the pprtunity t make yur enrllment electins fr health insurance fr the upcming plan year effective July 1, Only eligible emplyees and retirees can participate in pen enrllment. Eligible emplyees are defined as permanent full time r part time emplyees wrking 20 r mre hurs per week, and eligible retirees are defined as retirees under age 65 with at least 10 plus years f creditable service and participatin in the City s healthcare plan during the last five years prir t retirement. Yu may have heard news stries abut the rising cst f healthcare natinwide. The City f Richmnd has experienced substantial increases in ur healthcare csts. Hwever, we are very prud t infrm yu that yur cntributins fr healthcare benefits will nt increase this year as the City f Richmnd will absrb the 6.7 millin dllar premium increase that we experienced this year, while cntinuing t ffer healthcare benefits that are cmpetitive when cmpared t ther lcal municipalities. It is estimated that this actin will result in an average savings t all participating emplyees and retirees f apprximately $500 fr the upcming plan year. The City f Richmnd carefully weighed all alternatives and had t make difficult decisins. A determinatin was made t cntinue t ffer health insurance cverage thrugh CIGNA Healthcare. In an effrt t ffer quality healthcare t all emplyees and retirees, the City f Richmnd streamlined yur benefits ptins int tw new plans. A brief descriptin f the new healthcare plans available are summarized n the next page.

3 Plan A -PREMIER PLAN- Open Access Plus 20/40 HEALTHCARE BENEFIT PLANS The pen access plus 20/40 has in-netwrk and ut-f-netwrk benefits. The in-netwrk plan allws yu t use netwrk physicians; hspitals, pharmacies and ther netwrk prviders at n charge after the c-pay and deductible are met. The in-netwrk primary care physician c-pay is $20.00, and the specialist c-pay is $ If yu need t see a specialist, n referral is required when yu select a dctr in the CIGNA Open Access Plus netwrk. The ut-f-netwrk benefits allw yu t chse a nn-participating physician. This plan prvides lwer c-pays at the time f service with higher bi-weekly premiums. Plan B- CLASSIC PLAN Open Access Plus 25/50 The pen access plus 25/50 has in-netwrk and ut-f-netwrk benefits. The in-netwrk plan allws yu t use netwrk physicians, hspitals, pharmacies and ther netwrk prviders at n-charge after the c-pay and deductibles are met. The in-netwrk primary care physician c-pay is $25.00, and the specialist c-pay is $ If yu need t see a specialist, n referral is required when yu select a physician in the CIGNA Open Access Plus netwrk. The ut-f-netwrk benefits allw yu t chse a nn-participating physician. This plan prvides higher c-pays at the time f service with lwer bi-weekly premiums. Bth plans will cntinue t include visin cverage. Als, newly added this year, is a $ individual r $300 family in-netwrk calendar year deductible fr certain medical benefits prvided under bth plans. Hwever these deductibles will nt apply until January 1, EMPLOYEE AND RETIREE HEALTHCARE INSURANCE PREMIUMS EFFECTIVE JULY 1, 2011 Active Emplyee Plans and Rates 2011 Benefit Optins Ttal City Emplyee Emplyee Mnthly Mnthly Mnthly Bi-weekly PLAN A-PREMIER PLAN- Open Access Plus 20/40 EE Only $ $ $72.18 $36.09 EE+ One $1, $ $ $ EE+ Family $1, $ $ $ PLAN B- CLASSIC PLAN Open Access Plus 25/50 EE Only $ $ $53.48 $26.74 EE+ One $1, $ $ $ EE+ Family $1, $ $ $ Retiree Plans/Rates Plan A - New Premier Plan Status New Premier Plan ($20/$40 c-pays) Years f Service* 25+ Years Years Years Retiree Only $ $ $ Retiree + One $ $ $ Family $1, $1, $1, Dependent Spuse** $ $ $ Plan B - New Classic Plan Status New Classic Plan ($25/$50 c-pays) Years f Service* 25+ Years Years Years Retiree Only $ $ $ Retiree + One $ $ $ Family $1, $1, $1, Dependent Spuse** $ $ $ *Allcatin f City s cntributin is based n yur years f service: 25+ years receive 100%=$ years receive 75%=$ years receive 50%=$ ** Dependent Spuse refers t cvered spuses where the retiree is ver age 65.

4 IMPORTANT BENEFIT CHANGES FOR 2011 New this year, in an effrt t prevent yu frm having t submit a frm t enrll int ne f the new healthcare plans, the City will autmatically rllver yur current benefit electin in Optin 1, 2 r 3 healthcare plans with CIGNA int ne f the tw new plans as described belw: OPEN ENROLLMENT ROLLOVER MAPPING Optin #1- Open Access Plus $15/$30 C-pays (OA-P1) Optin #2- Open Access Plus Plan A- PREMIER PLAN Open Access Plus $20/$40 C-pays $20/$40 C-pays (OA-P2) IF YOU ARE CURRENTLY ENROLLED IN EITHER CIGNA HEALTHCARE OPTION #1 OR OPTION #2 AS DESCRIBED ABOVE YOU WILL BE AUTOMATICALLY ENROLLED IN THE NEW PLAN A-PREMIER PLAN AT THE SAME COVERAGE LEVEL WITH AN EFFECTIVE DATE OF JULY 1, 2011, IF YOU DO NOT SUBMIT AN ENROLLMENT FORM TO MAKE A CHANGE BY JUNE 17, Optin #3- Open Access Plus-In-Netwrk $20/$40 C-pays (OAPIN) Plan B- CLASSIC PLAN Open Access Plus $25/$50 C-pays IF YOU ARE CURRENTLY ENROLLED IN THE CIGNA HEALTHCARE OPTION #3 AS DESCRIBED ABOVE YOU WILL BE AUTOMATICALLY ENROLLED IN THE NEW PLAN B-CLASSIC PLAN AT THE SAME COVERAGE LEVEL WITH AN EFFECTIVE DATE OF JULY 1, 2011, IF YOU DO NOT SUBMIT AN ENROLLMENT FORM TO MAKE A CHANGE BY JUNE 17,

5 If yu are satisfied with the rllver ptins as previusly described, yu d nt need t take any actins during the pen enrllment perid. The rllver healthcare cverage previusly described will be implemented at the new rates effective July 1, A quick way t review yur current healthcare electin is t check yur CIGNA insurance card, r cntact CIGNA via at r by phne at If yu wish t make ne f the fllwing changes, yu must cmplete the enclsed CIGNA enrllment frm and turn it in at ne f the scheduled Open Enrllment sessins, r submit yur frm t the Human Resurces Department in City Hall lcated at 900 E. Brad Street, Rm 902 by 5:00pm n Friday, June 17, 2011: Enrll in a healthcare plan electin as a new participant. Terminate yur healthcare plan cverage under the city prgram. Make a change between yur rllver healthcare plan electin and the ther available healthcare plan ptin. Add r remve dependents frm yur cverage. Be sure t prvide dcumentatin that certifies the dependents yu adding are eligible. Required dcumentatin includes phtcpies f the marriage, birth certificate, adptin decree (r prf f placement fr adptin) r curt rder dcumenting legal guardianship r legal custdy. These dcuments must be submitted at ne f the Open Enrllment sessins with yur cmpleted applicatin, r submitted t the Human Resurces Department by 5:00 pm n Friday June 17, 2011, r yur dependents will nt be added t yur cverage. ENROLLMENT PROCEDURES & DEPENDENT ELIGIBILITY VERIFICATION Enrllment prcedures and frm cmpletin If yu want t make a change t yur rllver healthcare plan electin yu must cmplete a CIGNA enrllment frm as fllws: 1. Sectin A: check pen enrll bx and effective date 7/1/2011 (if making a change), check new enrll and effective date 7/1/2011 if enrlling fr the first time under the City s plan, CIGNA accunt n , Branch Cde- active, retired, cbra (A,R,C), type f change- Medical Ben. Optin- enter A fr Plan A (Premier Plan) r enter B fr Plan (Classic Plan), add dependent and date f 7/1/2011, cancel emplyee and last date f cverage 6/30/2011, and/r cancel dependent(s) and last date f cverage 6/30/ Sectin B: all f the required infrmatin (d nt fill in emplyee ID number) 3. Sectin C: check the bx marked Open Access Plus 4. Sectin D: Skip 5. Sectin E: Skip 6. Sectin F: cmplete if it applies 7. Sectin G: emplyee signature required, but spuse is nt required A sample frm has been enclsed with this letter that identifies the sectins that must be cmpleted. 4

6 DEPENDENT ELIGIBILITY VERIFICATION This year s healthcare pen enrllment prcess will als include a dependent eligibility verificatin prcess fr emplyees and retirees wh select cverage fr dependents (emplyee + ne and emplyee + family). The dependent eligibility verificatin prcess ensures that cverage is nly extended t thse wh are eligible fr plan benefits. The City requests yur cperatin in this imprtant effrt. If yu select cverage t include a new dependent nt currently cvered (i.e. emplyee +ne r emplyee + family) yu must prvide dcumentatin f each dependent s status by prviding the scial security number f each dependent, and prf f eligibility fr any dependent cvered under the healthcare plan as fllws: Spuse- legal spuse f the ppsite sex Scial security number, and Phtcpy f marriage certificate r phtcpy f the tp prtin f the first page f the emplyee s mst recent Federal Tax Return that shws the dependent listed as Spuse. Nte all financial infrmatin and Scial Security Numbers shuld be redacted r marked ut. Child- natural, adpted, stepchild, legal guardian (unmarried child up t age 26) Scial security number, and Phtcpy f birth certificate (r adptin agreement) shwing emplyee s name r shwing the name f the emplyee s spuse, and Phtcpy f marriage certificate shwing the emplyee and parent s name if stepchild, r Phtcpy f the tp prtin f the first page f the emplyee s mst recent Federal Tax Return that shws the dependents parent listed as Spuse. Nte all financial infrmatin and Scial Security Numbers shuld be redacted r marked ut. Phtcpy f the Final Curt Order granting permanent custdy with presiding judge s signature, if legal guardian The required dcumentatin fr verificatin f dependent eligibility must be submitted alng with the enrllment frm fr all newly added dependents, and must be a cpy. N riginal dcuments will be accepted. Yu d nt need t submit dependent verificatin dcumentatin fr dependents already cvered under yur CIGNA healthcare plan. ENROLLMENT FORM SUBMISSION REQUIREMENTS Yu are nly required t submit a CIGNA enrllment frm if yu wish t make changes t enrll as a new participant, terminate cverage, add a dependent, r change yur autmatic rllver electin. This CIGNA enrllment frm must be submitted by Friday, June 17, 2011 at 5:00pm. Enrllment frms may be submitted t the CIGNA representatives at ne f the pen enrllment sessins, submitted by mail, r hand-delivered t the Department f Human Resurces at 900 E. Brad Street (City Hall) 9 th flr Richmnd, VA DO NOT MAIL ENROLLMENT FORMS TO CIGNA. Any benefit electins, effective July 1, 2011, will be unchangeable during the next fiscal plan year unless yu experience a qualifying event during the plan year that allws yu t make a change. 5

7 See the enclsed What s New fr 2011 and benefit summary highlights fr mre infrmatin abut yur 2011 benefits. There are many changes effective July 1, 2011 that may affect yu and yur family, including new dependent eligibility rules and new plan design changes. Therefre, it is essential that yu review the enclsed materials t ensure yu understand the 2011 changes, and hw t make the best benefit decisins fr yu and yur family. The City will cnduct pen enrllment sessins frm May 31, 2011 t June 17, 2011 with CIGNA representatives available t discuss the plan ptins, and t assist yu in making a chice fr yur healthcare plan. A schedule f the pen enrllment sessins is enclsed. Please plan t attend a sessin if yu have questins, r t make a change. If yu have questins regarding any f this infrmatin, yu may cntact the Department f Human Resurces at

8 2011 Health Insurance Plan - Open Enrllment Effective July 1, 2011 there are changes t the City s Health Insurance plan that may affect yu and yur family. These changes include new dependent eligibility rules and new plan design. Therefre, it is essential that yu attend at least ne f the enrllment sessins listed belw t make the best benefit decisins fr yu and yur family. The City will cnduct pen enrllment sessins frm May 31, 2011 t June 17, 2011 with CIGNA representatives available t discuss the plan ptins and t assist yu in making a chice fr yur healthcare plan. Date Time Lcatin Tuesday, May 31st 9:00 a.m. t 11:00 a.m. 730 Building 730 E. Brad St. - Lwer Level, Training Rm 1 1:00 p.m. t 3:00 p.m. Suthside Cmmunity Service Center 4100 Hull St. - First Flr Cnference Rm B/C Wednesday, June 1st 7:30 a.m. t 9:30 a.m. DPU Operatins Center 400 Jeffersn Davis Hwy - Atrium 1:00 p.m. t 3:00 p.m. Jhn Marshall Circuit Curt 400 N. 9th Street Auditrium Lwer Level Thursday, June 2nd 6:00 a.m. t 8:00 a.m. DPW Operatins Center 3506 Hpkins Rd. - Assembly Rm 10:00 a.m. t 12:00 p.m. Plice Academy 1202 West Graham Rd. Rm 103 Friday, June 3rd 9:00 a.m. t 11:00 a.m. City Hall Cuncil Chambers 2nd Flr 2:00 p.m. t 4:00 p.m. Fire Headquarters 201 E. Franklin St. Mnday, June 6th 9:00 a.m. t 11:00 a.m. Pine Camp Cultural Arts Center 4901 Old Brk Rad, Multi-Purpse Rm B & C 3:00 p.m. t 6:00 p.m. *Sheriff's Office - Richmnd City Jail Female Husing Unit *(Sheriff Staff Only) Tuesday, June 7th 6:00 a.m. t 8:00 a.m. Parker Field Operatins Center at Hermitage Rad 1:00 p.m. t 3:00 p.m. Plice Academy 1202 West Graham Rad, Rm 103 Wednesday, June 8th 10:00 a.m. t 12:00 p.m. Jhn Marshall Circuit Curt 400 N. 9th Street Auditrium Lwer Level 3:00 p.m. t 5:00 p.m. *911 Emergency Cmmunicatins Center 3516 N. Hpkins Rad - Training Rm Thursday, June 9th 6:00 a.m. t 8:00 a.m. Parker Field Operatins Center at Hermitage Rad Friday, June 10 th 10:00 a.m. t 12:00 p.m. Plice Headquarters West Grace Street Target Review Cnference Rm 234 Mnday, June 13th 8:00 a.m. t 10:00 a.m. *Sheriff's Office - Richmnd City Jail Female Husing Unit *(Sheriff Staff Only) 2:00 p.m. t 4:00 p.m. *Justice Services Detentin Center 1700 Oliver Hill Way Tuesday, June 14th 7:00 a.m. t 9:00 a.m. *911 Emergency Cmmunicatins Center 3516 N. Hpkins Rad - Training Rm 11:00 a.m. t 1:00 p.m. Fire Headquarters 201 E. Franklin Street Wednesday, June 15th 2:00 p.m. t 4:00 p.m. Scial Services Marshall Plaza - 3rd Flr, Training Rm A/B Thursday, June 16th 7:30 a.m. t 9:30 a.m. DPU Operatins Center 400 Jeffersn Davis Highway - Atrium 2:00 p.m. t 4:00 p.m. Plice Headquarters West Grace Street Target Review Cnference Rm 236 Friday, June 17th 2:00 p.m. t 4:00 p.m. City Hall Cuncil Chambers 2nd Flr *Nte: Meetings dentated with an (*) asterik are limited t emplyees in the Sheriff's ffice, 911/ECC r Justice Services