COPRA Meeting May 24 2012 Topics 2 employeephoenixgovhrretirees 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 ID: 573409
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Retiree Benefits Update
COPRA MeetingMay 24, 2012Slide2
Topics
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employee.phoenix.gov/hr/retireesSlide3
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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Plan Year Change
A Calendar Year Plan is helpful toAnyone 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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hr
/retireesSlide5
Plan Year Change
For the rest of 2012Your premium stays the same
Your coverage stays the same
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Open Enrollment
Open Enrollment
October 15 – November 9
Look for a
bright yellow book
in the mail
in late September
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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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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/retireesSlide9
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?
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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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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/retireesSlide12
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/retireesSlide13
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/retireesSlide14
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/retireesSlide15
T
o Complete an HRA
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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 screeningsAssistance with your HRA
Open Enrollment changes
Flu Shots
and more
employee.phoenix.gov/hr/retirees
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Look for your Open Enrollment Book in the mail in late September or early OctoberSlide17
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/retireesSlide18
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/retireesSlide19
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/retireesSlide20
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/retireesSlide21
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 genericsSlide22
Top 10 Drugs
Humira
for Arthritis
Crestor
for High Cholesterol
Plavix
for Blood Thinning
Lipitor
for High Cholesterol
Copaxone for Multiple SclerosisAndrogel
for Hormone Replacement
Oxycontin
for Pain
Stelara
for Immune Disorders
Avonex
for Multiple Sclerosis
Actos
for Diabetes
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employee.phoenix.gov/hr/retireesSlide23
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/retireesSlide24
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
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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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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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Retiree Info Online
employee.phoenix.gov/
hr
/retirees
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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