Retiree Benefits Update

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Nov 30, 2013 (3 years and 6 months ago)

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Retiree Benefits Update

COPRA Meeting

May 24, 2012

Topics

Medical

Pharmacy

Dental

Plan Year

Health Risk
Assessments

2

employee.phoenix.gov/hr/retirees

Plan Year Change

January 1, 2013



The Plan Year for medical and dental
coverage becomes a calendar year


‘Plan Year’ is the period for which
rates and coverage are set.









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employee.phoenix.gov/hr/retirees

Plan Year Change


A Calendar Year Plan is helpful to



Anyone eligible for Medicare


The Medicare Annual Enrollment
Period occurs every fall with a
January 1
st

effective date



Sworn public
s
afety retirees



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employee.phoenix.gov/
hr
/retirees

Plan Year Change

For the rest of 2012



Your premium stays the same



Your coverage stays the same

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employee.phoenix.gov/hr/retirees

Open Enrollment


Open Enrollment

October 15


November 9


Look for a
bright yellow book


in the mail

in late September

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employee.phoenix.gov/hr/retirees

September Mail

If you are Medicare eligible, or if you are a
Public Safety retiree, you’ll receive mail related
to those programs, too.


Please identify the
City’s bright yellow booklet
and set it aside to read cover to cover!

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employee.phoenix.gov/hr/retirees

Health Risk Assessment


Complete a Health Risk Assessment (HRA)
during Open Enrollment to reduce your
monthly premium beginning January 2013!



Biometric data is needed for the HRA: Height,
Weight, Blood Pressure, Blood Glucose,
Cholesterol, and Waist Circumference



New!

HRA

stands for Health Risk Assessment

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employee.phoenix.gov/hr/retirees

Health
Risk
Assessment


What you don’t know can hurt you.
Being
aware of your health risks can help you take
steps toward improved health and lowering
your medical premium.



Your medical premium is based on the health
of everyone enrolled.
Even small
improvements in health can result in savings.


Why?

9

employee.phoenix.gov/hr/retirees

Health Risk Assessment

What is a Health Risk Assessment (HRA)?



An HRA is a set of questions you answer about
your health risk factors


Demographics


Lifestyle


Health History


Current Health Data (“Biometrics”)




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employee.phoenix.gov/hr/retirees

Health Risk Assessment

This biometric data
must be included

when
you complete your HRA:



Height and weight


Blood pressure


Cholesterol (total and HDL)


Blood glucose level


Waist circumference

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employee.phoenix.gov/hr/retirees

Health Risk Assessment



Biometric data can be provided by


Your doctor, or


One of the many free biometric screenings
between October 15 and November 9


In late September look for a bright yellow booklet in
the mail with biometric screening times and locations.


Get a free flu shot at a biometric screening

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employee.phoenix.gov/hr/retirees

Health Risk Assessment

Your individual HRA responses will not be shared
with the City.



Aggregate (large group) reports will be provided
to the City


Used for planning health and wellness programs


Used for planning education campaigns


Used for comparison with similar groups



Private

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employee.phoenix.gov/hr/retirees

Health Risk Assessment



Complete your HRA online.



You will receive results and
recommendations immediately.



You may be offered services from
a Health Coach.

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employee.phoenix.gov/hr/retirees

T
o Complete an HRA


Free biometric screenings
at 20 locations during
Open Enrollment.

First, get your
biometric data


Complete your HRA on
-
the
-
spot at most biometric
screening locations!

Second,
complete your
online HRA

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employee.phoenix.gov/hr/retirees

Hands On Assistance

Staff from the Benefits Office, Cigna, and
BCBS will be at more than 20 locations in
Phoenix between Oct. 15 and Nov. 9.


Biometric screenings


Assistance with your HRA


Open Enrollment changes


Flu Shots


and more

employee.phoenix.gov/hr/retirees

16

Look for your Open Enrollment
Book in the mail in late
September or early October

More Information is Coming!


Look for the bright yellow

Open Enrollment Guide

in your mailbox

in late September.



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employee.phoenix.gov/hr/retirees

Medical Premiums for 2013


Retiree medical coverage stays the same.


C
o
-
pays stay the same.



Effective January 1, 2013



Cigna rates increase 2.4%


BCBS HMO rates increase 5.3%


BCBS PPO rates increase 5.2%


Pick up a 2013 Retiree Rate Sheet at the door

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employee.phoenix.gov/hr/retirees

Can
I

Waive and Re
-
Enroll?

Yes, you may re
-
enroll in City retiree medical
coverage during Open Enrollment if you’ve had


CONTINUOUS and COMPARABLE COVERAGE


since the date you waived the City’s coverage.
Evidence of continuous, comparable coverage is
required.


Please speak with a Benefits Analyst for details.

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employee.phoenix.gov/hr/retirees

Medicare Part B


Timely enrollment in Medicare Part B is
required
if you or a covered dependent
becomes eligible for Medicare
for any
reason
.



Do not enroll in Medicare Part D!

B: Yes!

D: No!

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employee.phoenix.gov/hr/retirees

Pharmacy


These medications are already available as
generics, or
will
be generic in the near future.


CONCERTA for ADHD

ACTOS and AVANDIA for Diabetes

DIOVAN,

AVAPRO for Cardiovascular

PLAVIX

for Blood Thinning

NASACORT AQ
, CLARINEX for Allergies

SINGULAIR for Asthma

or Allergies

FEMARA,

AROMASIN for Breast

Cancer

UROXATRAL

for Prostate

XALATAN

for Glaucoma

MAXALT for Migraine

SEROQUEL, GEODON and ZYPREXA for
Mental Health

LIPITOR, TRICOR and

LESCOL for High Cholesterol

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employee.phoenix.gov/hr/retirees

Save with
generics

Top 10 Drugs

1.
Humira

for Arthritis

2.
Crestor

for High Cholesterol

3.
Plavix

for Blood Thinning

4.
Lipitor

for High Cholesterol

5.
Copaxone

for Multiple Sclerosis

6.
Androgel

for Hormone Replacement

7.
Oxycontin

for Pain

8.
Stelara

for Immune Disorders

9.
Avonex

for Multiple Sclerosis

10.

Actos

for Diabetes

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employee.phoenix.gov/hr/retirees

Pharmacy


Generics save you and the plan money!


Generics are $10 or less for a 30 day
supply



Consult your doctor about changing to generic
medication.



Use Cigna Home Delivery for 3 months of
medication for 2 co
-
pays!




Save with
generics

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employee.phoenix.gov/hr/retirees

Pharmacy Stats

Employees

Retirees

Number of Prescriptions/Person/Year

10.3

20.1

Ingredient Cost/Person
/Month

$79.80

$192.09

Mail Order Fill Rate

25.1%

37.1%

employee.phoenix.gov/hr/retirees

24

Customer Service

Customer Service Representatives from Cigna
and BlueCross/BlueShield are on
-
site full
-
time in
the Benefits Office
to assist you with your claims
and coverage questions for medical, pharmacy
and dental.


Pick up business cards today.

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employee.phoenix.gov/hr/retirees

Retiree Dental Choice


Retiree Dental Choice
began March 1, 2010



To revisit in the Dental PPO


12 month wait for major coverage


gone?


Periodontal coverage improved


Orthodontia?


Annual maximum benefit amount lower?



To revisit in the Dental HMO


New fee schedule


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employee.phoenix.gov/hr/retirees

Retiree Info Online





employee.phoenix.gov/
hr
/retirees



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employee.phoenix.gov/hr/retirees

Do You Use Direct Deposit?


employee.phoenix.gov/hr/retirees

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Questions?


Benefits.Questions@phoenix.gov

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employee.phoenix.gov/hr/retirees