2018 BENEFITS OPEN ENROLLMENT GUIDE

What IS new for 2018?

Open Enrollment Dates: November 6, 2017 through November 21, 2017

The City conducted a competitive procurement process for pharmacy, dental and vision benefits. As a result,

new vendors were selected and the new rates and vendors will be effective February 1, 2018. Employee Self

Service (ESS) will reflect the 2018 rates for your February through December benefits coverage. Please

note:

Express Scripts is our new Pharmacy Benefit Manager effective February 1, 2018. You will receive a separate

Pharmacy card before February. This replaces the Pharmacy benefit formerly provided as part of the Optima Health

Insurance. Express Scripts will share data with Optima so your out-of-pocket expenses are tracked.

Anthem is our new Dental Plan provider effective February 1, 2018, replacing Delta Dental. Rates for 2018 will

remain unchanged and new cards will be mailed to your home before February 1.

Davis Vision is our new Vision Plan provider effective February 1, 2018, replacing UniView/UniCare. Vision rates

have decreased slightly for the new plan year. New cards will be mailed to your home before February 1. The basic

vision coverage through the Optima Health plans remains unchanged.

Deductibles under the High Deductible Health Plan

(HDHP) have increased to meet IRS regulations.

The new deductibles are $2,700 for the employee only

coverage tier and $5,400 for all other coverage tiers.

City contributions for the Health Savings Accounts for

eligible employees enrolled in the HDHP, are $500 for

the employee only HDHP coverage tier and $1,000 for

all other coverage tiers. One-half of the City

contribution will be made and be available in January

and the other half will be made in July.

Election changes to Medical, Dental, Vision or Legal

coverage made during the Open Enrollment period will

be effective January 1, 2018.

Deductions for your coverage in January of 2018 will

be taken in December using the current 2017 rates.

Employee premiums for the HDHP, HMO, POS and

PPO Plus plans have increased approximately 7%.

Employees covered by the City’s health plan are

eligible to earn a Wellness incentive. The Wellness

incentive for 2018 provides $300 for completion of a

routine physical exam, a routine eye exam and a

routine dental exam. The $300 wellness incentive will

be added to your WageWorks card if enrolled in the

FSA. If you are not enrolled in the FSA but

participating in the HMO, POS or PPO Medical Plan,

you will receive a WageWorks card. If you are enrolled

in the HSA, the $300 will be deposited to your HSA.

The Diabetes Disease Management program has been

expanded to include covered children. Each program

participant can earn an incentive of $200!

Additional Open Enrollment News

What IS NOT new for 2018?

Optima Health HMO, POS and PPO plan designs are not changing. The co-payments and deductibles are not

changing for 2018 and the PPO plan will remain closed to new entrants.

Employees who want a Flexible Spending Account (Medical and/or Dependent Care) or Health Savings

Account must actively make elections in ESS every year. Due to IRS regulations, these benefits do not

roll over from one year to the next. Deductions will begin in January.

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Have dependents that

live out of the area (i.e. college

students)?

Every year you must

submit a

current “Out of

Area Dependent

Form” which can be

found at: www.optimahealth.com/ches

Open Enrollment Checklist: View your dependent information in ESS to ensure it is correct. Verify all

Social Security numbers for accuracy.

Make sure you have selected the best coverage options for you and your

family. Once Open Enrollment ends, changes can only be made within 31

days of an IRS “qualifying family status change” (i.e. employee marriage,

divorce, birth or adoption of a child, gain or loss of other coverage, etc.)

and require documentation.

Make any election changes to add/drop dependents, change medical

plans, or add/drop coverage under any of the benefit plans through ESS.

Make sure you select the submit choices button and get a green .

Ensure only eligible dependents are covered on your insurance plans.

Eligible dependents include your current spouse and children under the

age of 26 unless they are disabled. Former spouses are not eligible.

Grandchildren are not eligible dependents unless the employee/spouse

has legal custody, and provides court documentation.

If you have a medical or dependent care flexible spending account, make

your elections for 2018. If you do not re-enroll, the plans will not be

available to you in 2018 and remaining medical FSA funds will be lost.

If you are eligible to elect the Long Term Disability buy-up benefits from

The Standard, new enrollees must submit an “Evidence of Insurability”

form (link available at www.optimahealth.com/ches). Only VRS Plan 1 or

VRS Plan 2 full time employees are eligible for this benefit. VRS Hybrid

employees are automatically covered for employer paid short and long

term disability through the Reed Group.

Important Reminder

Employees must re-enroll every year in the medical and dependent care flexible spending accounts (FSA).

If you do not re-enroll in the medical FSA and have 2017 funds left over at the end of the calendar year,

you will lose those funds. If you enroll in the 2018 medical FSA, you can roll over up to $500 of unused

2017 FSA monies. You can submit receipts for 2017 expenses through March, 31, 2018. Any remaining

funds will be added to your 2018 fund balance after March 31, 2018.

How do I update my enrollment choices?

All enrollments are made online through ESS found at https://ess.cityofchesapeake.net. You can log-in

from home or work. If you have difficulty logging in to ESS from work, notify your payroll clerk. If you have

a City computer logon, you will need to contact the IT Help Desk to have your password reset. If you do

not have a City logon (e. g. CIBH, Library, Health Department, Circuit Court Clerk), use your employee

number as your user name and select the “forgot your password” link on the ESS logon screen to reset

your password. You will receive an e-mail to select the link and reset your password.

Dependent Audit will be Conducted During 2018

During 2018 the City’s benefits will be audited to ensure that covered dependents meet eligibility crite-

ria. Employees will be required to provide proof of dependent eligibility (e.g. birth certificate, marriage

certificate, court ordered custody documents) for anyone covered as a dependent.

If you have additional benefit questions, e-mail: hrbenefits@cityofchesapeake.net

ESS (CityPoint City Systems Employee Self Service)

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Open Enrollment Meetings for 2018 Benefits

Meeting Date Meeting Location Time of Meeting

Tuesday, November 7, 2017 Social Services, First floor, Great Room 2:00 p.m. – 3:00 p.m.

Wednesday, November 8, 2017 City Hall – Fourth floor, Human Resources

Training Room 2:00 p.m. – 3:00 p.m.

Thursday, November 9, 2017 CIBH, Second floor, Conference Room 12:30 p.m. - 1:30 pm..

Monday, November 13, 2017 Public Works – Street Operations Building 7:15 a.m.

Tuesday, November 14, 2017 South Norfolk Library 11:00 a.m. – 12:00 p.m.

Friday, November 17, 2017 City Hall – Fourth floor, Human Resources

Training Room 10:00 a.m. – 11:00 a.m.

Monday, November 20, 2017 Central Library, First floor, meeting room 11:00 a.m. – 12:00 p.m.

Monday, November 20, 2017 City Hall – Fourth floor, Human Resources

Training Room 2:00 p.m.– 3:00 p.m.

Tuesday, November 21, 2017 Sheriff’s Department, Administrative Building:

Multi-purpose room

3:00 p.m.– 4:00 p.m.

Get your 1095 electronically so you can file your taxes sooner! Under the Affordable Care Act, the IRS requires the City to provide all employees and retirees who are eligible for medical insurance a tax form called a 1095 form. If you wish to receive your 1095 electronically (work e-mail) so you can file your taxes sooner go to:

https://ess.cityofchesapeake.net

Log in, go to Personal Information and to “Tax form delivery options”, select change then select e-mail.

2018 Contribution Limits:

Medical FSA:

$ 2,650

Dependent Care FSA:

$ 5,000

Health Savings Account: (only for those who elect the HDHP)

$ 3,450 single coverage ($3,450 - $500 City contribution = $2,950* employee limit)

$ 6,900 family coverage ($6,900 - $1,000 City contribution = $5,900* employee limit)

$1,000 additional for members 55 or older

* If you participate in Wellness or diabetes programs, your contributions need to be decreased accordingly.

2018 City contributions to the HSA are $500 for employee only and $1,000 for all other coverage tiers. One half of the 2018 City contributions will be made in January and July (prorated for new hires and life event changes).

For those with Optima Health

coverage through the City,

you will receive a separate

prescription card from

Express Scripts for use at

your pharmacy beginning

February 1, 2018. Use your

Optima card in January of

2018.

Please check your personal

information in ESS to make

sure your address is up to

date!

For more benefit information visit: www.optimahealth.com/ches

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Lost your membership card?

Logon to the sites shown at the right to print or re-quest a new card:

Anthem (after 2/1/2018)

Dental

Davis (after 2/1/2018)

Vision

Express Scripts (after 2/1/2018)

Pharmacy

Optima

Medical Insurance

WageWorks:

Medical FSA card

Wellness Incentive

Don’t have a member account? Select

the link in the chart on the right and

register with each benefit vendor you

are enrolled.

Anthem Dental (beginning

2/1/2018)

Group Code: 490166

1-866-956-8607

www.anthem.com/mydentalvision

For online member tool demo:

www11.anthem.com/dentaldemo/

Davis Vision (beginning

2/1/2018)

Client Code = 8258

1-877-923-2847, 8258 Client Code

www.davisvision.com

Express Scripts Pharmacy

(beginning 2/1/2018) Contact information pending

Health Equity

Health Savings Account (HSA)

1-866.346.5800

http://healthequity.com/learn/health-savings-

account

ICMA—457 Voluntary

Deferred Compensation

Retirement Plan

City Plan Code = 301900

1-800-669-7400

https://ezlink.icmarc.org

Legal Resources

Optional Legal benefits

Group Code: 1679

1-800-728-5768

www.LegalResources.com

Optima Health

Medical

757-552-7110 or 1-800-229-1199

http://members.optimahealth.com

Reed Group

Short and Long Term Disability

for VRS Hybrid Plan members

1-877-928-7021

http://reedgroup.com/vldp-claims/

The Standard

Long Term Disability (does not

include VRS Hybrid members)

Group Code: 753787

1-877-276-6616

https://www.standard.com/edu/city-

chesapeake/15526

Virginia Retirement System

Plan 1, Plan 2 and

Hybrid Members

1-888-827-3847

www.varetire.org

WageWorks

Medical Flex Spending

Accounts

Dependent Care Spending

Accounts

Wellness Incentive

1-855-428-0446

www.wageworks.com

Important Contact Information

To meet

Affordable Care Act

requirements, all

dependents must have

correct social

security numbers

entered in

Employee Self

Service.