Your Retiree Health Benefits

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Pre - 65 Retirement Years

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Post - 65 Retirement Years



Funding Your Medical, Vision & Dental

Coverage Available At City/FOP Cost Does Your Spouse Have Coverage Once You Drop Citys Cant Reenroll City Funding to 65 if Regular Retirement Eligible for Medicare (primary) at 65


ONE CIGNA NETWORK OF PROVIDERS FOR EVERYONE

OpenAccessPlus is the same CIGNA network to be used for all 4 City plans HMO1, HMO2, POS1, POS2

OpenAccessPlus is CIGNAs single network of doctors & hospitals that will be used here in Florida and nationally

Check out OpenAccessPlus for your Doctor(s) and Hospital(s) by calling 1800-244-6224 or going to www.CIGNA.com

Other Available Benefit OptionsIf you are healthy subject to health review, will most likely be costly

HealthcareFor Retirement

Management Retiree Health Funding

Healthcare For Retirement

Management Retiree Health Benefits

Healthcare for Retirement Years

CITY CIGNA HMO1/2 CIGNA POS1/2 DHMO Den PPO Den EE $467.35-$448.70 $685.62-$330.57 $ 13.48 $ 46.02 EE+SP $848.83-$823.75 $1,253.78-$661.15 $ 23.59 $ 86.22 EE+CH $806.53-$778.34 $ 1,195.78-$595.03 $ 28.31 $ 88.64 FAM $1,148.00-1,142.90 $ 1,913.20-$975.20 $ 39.77 $ 111.72

Teamsters Retiree Health Funding

?Qualifying For Retirement Section 5.2 For bargaining unit members who retire on or after October 1, 2002, the City will contribute two hundred dollars ($200.00) per month for medical insurance benefits to members who retire under a normal retirement. This contribution shall remain contant until the member attains Medicare eligibility, at which time all contributions shall cease.

Section 5.3 The City will mail the retiree medical insurance benefit to the retirees home address.

Teamsters Retiree Health Benefits

?Pre-65 Retirement Years

CITY CIGNA HMO1/2 CIGNA POS1/2 DHMO Den PPO Den EE $467.35-$448.70 $685.62-$330.57 $ 13.48 $ 46.02 EE+SP $848.83-$823.75 $1,253.78-$661.15 $ 23.59 $ 86.22 EE+CH $806.53-$778.34 $ 1,195.78-$595.03 $ 28.31 $ 88.64 FAM $1,148.00-1,142.90 $ 1,913.20-$975.20 $ 39.77 $ 111.72

IAFF/FOP Retiree Health Funding

Qualifying For Retirement Section 1.Effective October 1, 2000, the City will contribute four hundred dollars ($400) per month for health insurance benefits to Bargaining Unit members who retire from employment with the City after their Normal Retirement Date.

This contribution shall become effective beginning the month following their termination from employment with the City after their Normal Retirement Date and shall cease upon the member attaining Medicare eligibility.

IAFF Retiree Health Benefits ?Pre-65 Retirement Years

CITY CIGNA HMO1/2 CIGNA POS1/2 PPO Den EE $467.35-$448.70 $685.62-$330.57 $ 22.54 EE+SP $848.83-$823.75 $1,253.78-$661.15 $ 41.20 EE+CH $806.53-$778.34 $ 1,195.78-$595.03 $ 36.53 FAM $1,148.00-1,142.90 $ 1,913.20-$975.20 $ 64.54

United HealthcareUnited Healthcare has a national network and you can live most anywhere in the US to access their network.Retirees that want to live in remote areas with less access to United Healthcare doctors can take the Choice Plus High Option PPO with out of network benefits at a higher premium and out of pocket cost

FOP Police Retiree Health Benefits

FOP Police Retiree Health Benefits >65 at full retirement

Post-65 Retirement Years

FOP Police UHC Choice Plus Low Option UHC Choice Plus High Option PPO>65 Retiree Only $ 240.00 $ 280.00 >65 Ret 65 Ret + Children $ 518.00 $ 606.00 >65 Family $ 860.00 $ 994.00

FOP Police Retiree Health Benefits Over 65 at full retirement

Post-65 Retirement Years

FOP Police Over 65 UHC Choice Plus Low Option UHC Choice Plus High Option PPO>65 Retiree Only $ 240.00 $ 280.00 >65 Retiree & Spouse $ 505.00 $ 560.00

Medicare - Age 65 Options Today?Post-65 Retirement Years

Original Medicare Part A (hospital)Part B (physician)Medicare coverage is automatic when you turn 65, unless SSI

Choice of doctors & hospitals within U.S.

You pay deductibles A - $1132, Part B 20% coinsurance

You pay monthly premium for Part B $115.40

Need to join for a charge, Medicare Prescription Drug Plan. Plans run by private companies approved by Medicare. Check Formulary

Medicare AdvantagePart C Replaces MedicarePrivate companies

Network driven usually local area

HMO, PPO, POS

Usually NO additional premium except for Part B unless you take a PPO

Includes a Part D drug plan

Today usually include dental, vision, trips to doctor, gym memberships, but this will be changing as companies are given less funding from the government

Medicare Supplement Plans(private companies)Fills gaps in Original Medicare

ALL plan benefits are defined by Government, but rates can vary by company

Average cost today is $300 per individual

Must be 65

Allows you to travel easily within the U.S.

Does not cover dental, vision, hearing aides etc.

Plan A Plan B Plan C Plan D Plan F* Plan G Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Skilled nursing facility coinsurance Skilled nursing facility coinsurance Skilled nursing facility coinsurance Skilled nursing facility co-insurance Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part B deductible Part B deductible Part B excess (100%) Part B excess (100%) Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency

Plan K Plan L Plan M Plan N Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% Hospitalization and preventive care paid at 100%; other basic benefits paid at 75% Basic, including 100% Part B coinsurance

Basic, including 100% Part B coinsurance, except up to $20 co-payment for office visit, and up to $50 copayment for ER 50% Skilled nursing facility coinsurance 75% Skilled nursing facility coinsurance Skilled nursing facility coinsurance Skilled nursing facility coinsurance 50% Part A deductible 75% Part A deductible 50% Part A deductible Part A deductible Foreign travel emergency Foreign travel emergency Out-of- pocket limit $4620; paid at 100% after limit reached Out-of- pocket limit $2310; paid at 100% after limit reached

Questions to Ask yourselfCan I change to generics to avoid the Donut Hole and reduce expenses.If cost is a factor, then an all inclusive Medicare Advantage plan more likely right choiceIf doctor is important, ask him what Med Advantage plans he takes.Plan on traveling a lot, Medicare and Supplement, may be the right option.

Personal InvitationIf you want a one 1-on-1 to better understand your Medicare options I will gladly educate you on your options Barbara Stanley FOP Office 735 NE Third Avenue Ft. Lauderdale, FL 33304 954-527-9218 [email protected]


Run quotes only do not apply unless you talk with a knowledgeable agent if you are not 10% healthy.*

Documents

Your Retiree Health Benefits