Retiree Open Enrollment

focus What’s New for You in FY17? It’s here again! This May’s Open Enrollment is the opportunity for pre-Medicare retirees and Medicare retirees to make insurance changes. Any change will be effective July 1, 2016. Here is some important news regarding the County’s retiree health plans:

Premiums Premiums for health insurance are changing. Please review the charts on pages 6 & 7 to see your new share of

the monthly premium.

Delta Dental coverage stays exactly the same with no premium increase.

Any plan or premium changes for the Kaiser Medicare Plus plan and the AmWINS Medicare Supplement Plan will not be known until the fall of 2016. Any changes will not be effective until January 1, 2017.

Health Plan Change Highlights

Good news! There are no changes to the out-of-pocket maximums for any of our health plans. Cigna Plans Telemedicine Service available Prescription Drug Formulary changes

Life Insurance Coverage and Rate Changes in your April 2016 Pension Payment

Basic Life

If you turned 65 after April 1, 2015, your basic life insurance coverage will reduce from $10,000 to $8,000

Supplemental Life

If you turned 65 after April 1, 2015, your supplemental life insurance coverage reduces to $10,000 and your premium deduction will change accordingly

Supplemental life insurance premiums are based on your age, and rates are divided into five-year bands until you reach age 70.

If you have changed age bands since April 1, 2015 (e.g., age 59 to 60), your new deduction will reflect the higher premium.

Open Enrollment Information Meetings

Monday, May 16th at 10 a.m. Central Library Auditorium

1015 N. Quincy Street, Arlington, VA 22201

Wednesday, May 18th at 4 p.m. Online Webinar

Details to be provided at www.arlingtonva.us/retirement

Open Enrollment is May 11th

to May 25th

P A G E 2

Are You Eligible to Participate?

During Open Enrollment, if you are a pre-Medicare retiree you may: Switch from Cigna to Kaiser or vice versa Choose a different Cigna plan Add/drop eligible dependents Enroll in or cancel dental coverage

During Open Enrollment, if you are a Medicare participant you may: Switch from AmWINS to Kaiser Medicare Plus or vice versa Add/drop eligible dependents Enroll in or cancel Delta Dental coverage

How Do I Make Insurance Changes? Visit www.arlingtonva.us/retirement and click on “Open Enrollment” to access all of the enrollment

forms, rate charts, and plan summaries for our health and dental plans.

To make changes please fill out the appropriate enrollment forms

Submit completed forms via mail or email by May 25th:

Arlington County Human Resources OR Email: benefits@arlingtonva.us

ATTN: Benefits Subject: Open Enrollment 2100 Clarendon Blvd., Suite 511 Arlington, VA 22201

All changes are effective July 1, 2016. No changes? Then you have nothing to do this Open Enrollment! Questions? Call us at 703-228-3500 option 1 or email your questions to benefits@arlingtonva.us

Who is eligible to participate in this Open Enrollment? You must meet one of the criteria below:

Retiree and/or dependent who is currently enrolled in Cigna or Kaiser

Retiree and/or dependent who is currently enrolled in AmWINS or Kaiser Medicare Plus

Retiree who retired after 6/30/2008, who is not currently enrolled in a County plan, but who can demonstrate continuous medical coverage in another plan

Open Enrollment Actions

Turning 65? Welcome to Medicare! Please remember that if you participate (as a retiree or a dependent) in an Arlington County Retiree Health Plan, when you turn 65 you must enroll in Medicare Part B in order to continue to receive medical coverage through the County. Questions? Call Benefits at 703-228-3500 option 1.

P A G E 3

Pre-Medicare Plans Overview Kaiser Permanente Signature HMO Provides “one-stop” medical care at Kaiser

facilities throughout the DC metro area Preventive Care covered at 100% Coverage for non-Kaiser providers only in cases

of emergency Most economical plan in terms of monthly

premiums and copays Cigna All Cigna Plans Offer: Open Access Plus (OAP) network — a national

network of providers and facilities No referrals needed for specialist care Preventive Care covered at 100% Emergency and Urgent Care covered 24/7

worldwide Prescription drug coverage is the same for all

three plans Three tiers: generic, preferred brand, non-

preferred brand Certain generic drug are FREE via mail order.

Review the Cigna formulary on the retiree website.

Mail order required for most maintenance medications

If your doctor prescribes a non-preferred brand name drug, you may be required to try a generic or preferred brand drug before the more expensive drug is authorized

Delta Dental Use any licensed dentist for your dental care Save money when you use a dentist who

participates in the Delta Dental Premier or Preferred network

The plan pays: 100% of reasonable and customary fees for

preventive care and diagnostic services (e.g., cleanings and x-rays)

80% for Basic Services (e.g., fillings) 50% for Major Services (e.g., crowns) Annual calendar year deductible for Basic and

Major Services of $55 individual/$110 family Plan pays maximum of $1,500 per calendar year

What are the differences among Cigna plans?

Open Access Plus In-Network (OAP IN) Coinsurance Choose doctors, health professionals and

facilities that are within the Cigna OAP national network (no coverage for out-of-network providers)

You pay 10% of the allowable cost for services; the plan pays for 90%

Lowest premiums of all Cigna plans No deductible Out-of-pocket maximum (OOPM) is $2,250

individual/$4,500 family.* This is the lowest OOPM across all plans.

Open Access Plus IN (OAP IN) Copay Choose the doctors, health professionals and

facilities that are within the Cigna OAP national network (no coverage for out-of-network providers)

You pay a flat dollar copay for services No deductible Out-of-pocket maximum is $6,600 individual/

$13,200 family* Open Access Plus (OAP) Most expensive premiums across all plans Choose any doctors, health professionals or

facilities that are in or out-of-network Select a provider within the Cigna OAP national

network and pay 10% of the allowable cost for services

Pay a deductible when you select an out-of-network provider; the County pays 70% of allowable charges after the deductible is met

Out-of-pocket maximums are: in-network $2,250 individual/$4,500 family; and out-of-network $3,250 individual/$6,500 family

*Monthly premium deductions do not count toward your out-of-pocket maximum

To see if your provider is in the OAP network: Go to www.Cigna.com and Click on “Find a Doctor” Fill in your search criteria and Click “Search” If “OAP” is listed under Plans Accepted, your

provider is in-network.

There’s never a good time to get sick or hurt, but why does it always seem to happen in the middle of the night or on the weekend when the doctor’s office is closed? Telemedicine could be the answer!

MDLIVE is Cigna’s new partnership that provides members with access to primary care and pediatric doctors anytime and anywhere. MD Live provides video, phone or email on-demand access to US board-certified doctors. It’s a convenient and affordable way for you to get quality healthcare and prescriptions for non-emergency medical issues.

Register online before you get sick. Visit www.mdlive.com/arlgov Registration begins June 15th. Welcome packets will be sent in the mail to all Cigna subscribers with more information This service is available to our Cigna subscribers effective July 1st When should I use MDLIVE? How much will it cost?

For non-emergency medical issues

When you are traveling

When it’s inconvenient to leave your home or office

$30 on the Cigna OAP-IN Copay plan

10% of the contracted rate on the Cigna OAP-IN Coinsurance plan — about $3.80

There is a pending charge of $38 on your credit card while your Cigna coverage is confirmed.

Introducing !

The out-of-pocket maximum (OOPM) is a financial safety net required by the Affordable Care Act to protect you against catastrophic medical bills. The OOPM is the most you will pay out-of-pocket during the calendar year for covered health services. Once you meet the OOPM, the plan pays 100% for the rest of the calendar year.

Your Out-of-Pocket dollars are tracked on a calendar year basis. Every January 1st, you start at $0 and begin to refill your “bucket” until your reach the OOPM for your plan.

Changing Plans May Impact Out-of-Pocket Maximum

From To OOPM Impact

Cigna Plan Different Cigna Plan Any out-of-pocket expenses WILL count toward the OOPM for the new plan

Kaiser Cigna Expenses incurred in the old plan WILL NOT count toward the OOPM for the new plan. On July 1st, your OOPM starts at $0 with your new insurance and will reset again on January 1st.

Cigna Kaiser

Non-County plan Either Cigna or Kaiser

Cigna will be making some minor changes to the Prescription Drug Formulary effective 7/1/2016. A formulary is the list of drugs covered under the plan. Formulary changes are one way to help manage the rising costs of prescription drugs. What this means for members is that some drugs may change from preferred to non-preferred, and some will no longer be covered. Less than 100 of our members are impacted by the upcoming changes, and they will receive a letter from Cigna explaining their options sometime in May. Please read the letter carefully and discuss your options with your doctor.

Cigna Formulary Changes Coming July 1, 2016

P A G E 5

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P A G E 6

Medicare Plans Overview Retirees and their dependents who participate in the County health insurance plan must enroll in Medicare Part B when they turn 65 in order to continue on a County health plan. At age 65, Medicare becomes your primary health insurance and the County plan provides access to coverage beyond traditional Medicare through our Kaiser Medicare Plus Plan or the AmWINS Medicare Supplement Plan. Both plans are used in conjunction with Medicare Parts A and B, and provide you with Part D prescription drug coverage. Kaiser Medicare Plus Plan Only available to enrollees in the Washington DC Metropolitan area. One-stop medical services at Kaiser facilities; referral required for network hospitals and specialists $10 copay for in-network Medicare-covered primary and specialist office visits Diagnostic hearing exam covered; $10 copay for routine eye exams Retail prescription drug copays of $10/$33/$45/$95 (Tier 1, Tier 2, Tier 3, Tier 4) AmWINS Medicare Supplement See any provider who accepts Medicare No Part B deductible to meet $20 Primary and $40 Specialist office visit copays Coverage for routine hearing and vision exams Retail prescription drug copays of $10/$30/$55 (Tier 1, Tier 2, Tier 3) Coverage summaries are available at www.arlingtonva.us/retirement and click on “Open Enrollment”

2016 Medicare Plans Monthly Premium Rates - Retired before 1/15/12 Rates Effective January 1, 2016— December 31, 2016

P A G E 7

FY17 Retiree Premium Rates – Retired before 1/15/12 (Pre-Medicare Plans; Monthly Premiums Effective July 1, 2016)

P A G E 8

FY17 Retiree Premium Rates – Retired on or after 1/15/12 (Pre-Medicare Plans; Monthly Premiums Effective July 1, 2016)

Questions about Open Enrollment?

HR Benefits Customer Service at 703.228.3500, Option 1

Email Benefits@arlingtonva.us