Retiree Benefits Update
COPRA Meeting
May 24, 2012
Topics
Medical
Pharmacy
Plan Year
Dental
Health Risk
Assessments
employee.phoenix.gov/hr/retirees
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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.
employee.phoenix.gov/hr/retirees
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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 1st effective date
–Sworn public safety retirees
employee.phoenix.gov/hr/retirees
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Plan Year Change
For the rest of 2012
• Your premium stays the same
• Your coverage stays the same
employee.phoenix.gov/hr/retirees
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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!
employee.phoenix.gov/hr/retirees
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Health Risk Assessment
New!
• 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
HRA stands for Health Risk Assessment
employee.phoenix.gov/hr/retirees
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Health Risk Assessment
Why?
• 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.
employee.phoenix.gov/hr/retirees
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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”)
employee.phoenix.gov/hr/retirees
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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
employee.phoenix.gov/hr/retirees
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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
employee.phoenix.gov/hr/retirees
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Health Risk Assessment
Private
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
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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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To Complete an HRA
First, get your
biometric data
• Free biometric screenings
at 20 locations during
Open Enrollment.
Second,
complete your
online HRA
• Complete your HRA onthe-spot at most biometric
screening locations!
employee.phoenix.gov/hr/retirees
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Hands On Assistance
Look for your Open Enrollment
Book in the mail in late
September or early October
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
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More Information is Coming!
Look for the bright yellow
Open Enrollment Guide
in your mailbox
in late September.
employee.phoenix.gov/hr/retirees
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Medical Premiums for 2013
• Retiree medical coverage stays the same.
• Co-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
employee.phoenix.gov/hr/retirees
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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.
employee.phoenix.gov/hr/retirees
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Medicare Part B
B: Yes!
D: No!
• 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!
employee.phoenix.gov/hr/retirees
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Save with
generics
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
employee.phoenix.gov/hr/retirees
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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
employee.phoenix.gov/hr/retirees
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Pharmacy
Save with
generics
• 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!
employee.phoenix.gov/hr/retirees
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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.
employee.phoenix.gov/hr/retirees
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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
employee.phoenix.gov/hr/retirees
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Retiree Info Online
employee.phoenix.gov/hr/retirees
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Do You Use Direct Deposit?
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Questions?
• Benefits.Questions@phoenix.gov
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