OPEN ENROLLMENT FY20 PAGE 1

Retiree Open Enrollment

May 6—24, 2019 Open Enrollment begins Monday, May 6, 2019 and ends Friday, May 24, 2019! During this time, you can make changes to your medical and dental insurance plans. Check out this newsletter for helpful tips, and to learn about the new benefits and plan changes we have for this upcoming fiscal year.

FY20 Highlights

FY20 COST-OF-LIVING ADJUSTMENTS (COLA) The FY20 cost-of-living adjustment (or COLA) for Chapter 21 retirees is 1.5%. For Chapter 46 retirees, the COLA is 2.4%. Remember. COLA increases are based on County code and the Consumer Price Index). The COLA increase will be on your July 31, 2019 ACERS pension payment. A pay advice will also be mailed to your home address on file.

CIGNA PRESCRIPTION CHANGES We’ve made some important changes to how you pay for your prescriptions. See page 5 for more information.

KAISER PERMANENTE PREMIUMS Kaiser Permanente premiums are changing. Review the new rates on page 8.

DELTA DENTAL PREMIUM PLAN — New! A new premium Delta Dental Premium Plan is available for FY20 and provides you with extra benefits like a higher annual maximum and adult orthodontics. See page 6 for plan and rate information.

SUPPLEMENTAL LIFE INSURANCE RATES Supplemental life insurance premiums are increasing July 1, 2019. See page 7 for more information.

CONTENTS A Letter from Benefits 2

What Changes Can I Make? 3

Enrollment Guide 4

Cigna Plan Changes 5

Delta Dental Plans 6

Life Insurance 7

FY20 Premiums 8

Extra Tools 12

OPEN ENROLLMENT FY20 PAGE 2

A Letter from Your Benefits Team

Open Enrollment is here! It begins on May 6 and ends on May 24. This is the one time of year when you can make changes to your medical and dental insurance plans, but if you don’t take any action, you’ll automatically stay in the same medical, and dental plans you currently have. A couple important things to keep in mind this year:

• Remember you can only participate in Open Enrollment if...

You’re a retiree and/or dependent who is currently enrolled in Cigna or Kaiser; or

You’re a retiree and/or dependent who is currently enrolled in AmWINS or Kaiser Medicare Advantage; or

You’re a 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

• To enroll or make changes, fill out an enrollment form and email or mail them in. You can find enrollment forms at www.arlingtonva.us/oe

• If you add anyone to your health insurance plans, you’ll be asked to provide documents to make sure that person is eligible for our plans.

• Your Open Enrollment elections are effective July 1, 2019. After that, you can only change them if you have a qualifying life event—like getting married, divorced, or adding a child to your family.

• Rate changes for Medicare plans (AmWINS and Kaiser Medicare) happen annually in January only.

Because we make changes to our health plans every year—changes that can affect your pension (through your premium contributions) and your pocketbook (through your deductibles, copays, and prescriptions)—we highly recommend checking out the information on our Open Enrollment page at www.arlingtonva.us/oe to see if your current choice still fits and to review the new things we have in store this year. Remember we’re always here to help if you have any questions or if you just want to make sure you’re making the best choice for you.

Sincerely,

OPEN ENROLLMENT FY20 PAGE 3

What Changes Can I Make During Open

Enrollment?

PRE-MEDICARE RETIREES MAY: • Switch plans (like from Cigna to Kaiser or vice versa) • Choose a different plan (like switching from Cigna Copay to

Cigna Coinsurance) • Add or drop dependents • Enroll in a medical plan if you’re not already enrolled (so long as you retired after 7/1/2008 and you

can show continuous medical coverage) • Enroll in or cancel dental coverage (enrollment in a dental plan is subject to eligibility requirements) MEDICARE RETIREES MAY: • Switch plans (like from AmWINS to Kaiser Medicare or vice versa) • Cancel enrollment in a Medicare supplement plan (i.e. to join a new plan) • Add or drop dependents • Enroll in an AmWINS or Kaiser Medicare plan if you’re not already enrolled (so long as you retired

after 7/1/2008 and you can show continuous medical coverage) • Enroll in or cancel dental coverage (enrollment in a dental plan is subject to eligibility requirements)

IMPORTANT THINGS TO REMEMBER: • Your changes are subject to eligibility requirements—if you’re not eligible for the change you’re

trying to make, we’ll let you know. • If you’re adding anyone to your plan, we’ll ask you for documents—like a marriage certificate, tax

return, or birth certificate—to make sure this person’s eligible to join our plan. • If you retired prior to 7/1/2008, you can only enroll in dental coverage if you had dental coverage

when you retired.

Who Can I Add to My Plans? You can only add certain people to your plan like your spouse, children, and stepchildren of your current marriage. For anyone you add to a medical or dental plan, you’ll be asked to send in documentation like a marriage certificate, tax form, or birth certificate. Remember to only send in copies (no originals because we won’t send them back) and to black out monetary amounts and bank account numbers, if any, on all documents.

You can see the list of dependents you can add and the required documents at www.arlingtonva.us/oe

OPEN ENROLLMENT FY20 PAGE 4

I’m Ready to Make My Changes! What Do I Do?

Follow this handy checklist to guide you through making changes during this Open Enrollment.

1) Visit www.arlingtonva.us/oe to access enrollment forms

2) Select the correct medical and/or dental form(s) and fill it out. Be sure to fill out all the requested information. If you’re writing on the form, please be legible! Real humans will read and process your form. Be sure to include full Social Security numbers—we’ll need these when it’s tax time next year!

3) Adding a dependent to your plan? Gather your supporting documents. New! For spouses, we’ll need your marriage certificate and a copy of your most recent tax return (be sure to black out things like monetary amounts and bank account numbers). For children, we’ll ask for a birth certificate.

4) Send in your forms and documents. Forms and documents must be received by Friday, May 24!

Preferred: Email your enrollment forms and documents to HRDocs@arlingtonva.us

Fax your forms and documents to: 703-228-3775

If you’re unable to email or fax your forms and documents, you may mail them to:

Arlington County Human Resources Attn: Benefits 2100 Clarendon Blvd Suite 511 Arlington, VA 22201

Changes are effective July 1, 2019! Remember you’ll see any rate changes with your July 31 pension payment. Pension pay advices will be mailed to

your address on file.

OPEN ENROLLMENT FY20 PAGE 5

Cigna Prescription Drug Changes

Every year, there are slight changes to our benefit plans that can affect things like your pension (through your premium contributions) or your pocketbook (through your copays. coinsurance, and prescriptions).

This year, we’re introducing some changes to how Cigna members pay for prescription drugs to continue encouraging you to be better health care consumers.

Here’s an overview of the important changes—and what’s not changing:

New Cigna ID cards will be mailed to all members. Your new ID card will be mailed to

your home address on file on or around July 1, 2019.

Generic drugs are still $10 or less across all plans ($20 or less for 90-day supplies

through mail order or a 90 Now pharmacy).

For Cigna Coinsurance plan members, prescription drugs are changing from copays to coinsurance. This means you’ll pay a percentage of the drug’s cost up to a maximum amount depending on the tier. Here are the new coinsurance amounts: You can find an easy guide on how to check your new coinsurance prescription amounts at www.arlingtonva.us/oe.

For Cigna Copay plan members, prescription drug copays are increasing. Here are the new copay amounts:

CIGNA COINSURANCE PLANS

30-Day Retail Supply

90-Day (Mail Order or 90 Now Pharmacy)

Tier 1 (Generic) Up to $10 Up to $20

Tier 2 (Preferred) 25% up to $50 max

25% up to $100 max

Tier 3 (Non-Preferred) 40% up to $90 max

40% up to $180 max

CIGNA COPAY PLANS 30-Day Retail Supply

90-Day (Mail Order or 90 Now Pharmacy)

Tier 1 (Generic) Up to $10 Up to $20

Tier 2 (Preferred) $40 $80

Tier 3 (Non-Preferred) $80 $160

OPEN ENROLLMENT FY20 PAGE 6

Dental: Standard and Premium Options

This year we’re offering a premium dental plan through Delta Dental of Virginia that provides enhanced dental benefits such as a higher annual maximum per member and adult orthodontics. Remember with regular dental care, you can prevent cavities, boost your overall health, and save money.

STANDARD PLAN PREMIUM PLAN — New!

Annual Deductible $55 per person; $110 per family

per calendar year $55 per person; $110 per family

per calendar year

Annual Maximum $1,250 per person

$2,500 per person

Diagnostic & Preventive* (2 cleanings and 1 set of x-rays per calendar year)

Covered at 100% Covered at 100%

Basic Services (Fillings and simple extractions)

Covered at 80% Covered at 90%

Major Services (Dentures, bridges, implants and crowns)

Covered at 50% Covered at 60%

Orthodontia (Orthodontia maximums are separate from annual maxi-mums)

Covered at 50% Lifetime maximum $1,250

(Dependent children under the age of 19 only)

Covered at 50% Lifetime maximum $2,500

(Adults and children)

Temporomandibular Joint Disorder (TMJ-Bite Guard)

Not covered Covered at 90%

Remember!

You are eligible make changes to your dental coverage at Open Enrollment if you’re already enrolled in a County dental plan or you retired after 7/1/2008 and were eligible for retiree healthcare benefits when you retired (or you’re a surviving annuitant of the retiree). If you retired prior to 7/1/2008 and you did not elect dental benefits at you’re retirement, you’re ineligible to enroll in dental coverage.

*Costs associated with diagnostic and preventive care (cleanings oral exams, and x-rays) will not count against

the annual maximum. Hooray!

OPEN ENROLLMENT FY20 PAGE 7

Save Money on Healthcare Healthcare can be expensive, but it doesn’t always have to be. Here are some smart tips to help you cut down on your healthcare costs.

1. GET YOUR PREVENTIVE SCREENINGS Don’t underestimate the power of maintaining your health. Get the most from your plan by getting your regular screenings, like your physical, at least once a year. Early detection can save you a bundle and just might save your life.

2. USE AN IN-NETWORK PROVIDER When you select an in-network provider, you get the benefit of negotiated discount fees. Lower fees equal lower out-of-pocket payments and big savings.

3. USE GENERIC MEDICATION WHEN AVAILABLE Generic drugs can save you up to 80% on the cost of a prescription when compared with the brand name drug. Speak to your doctor about whether a generic drug is right for you.

4. USE URGENT CARE If you ever have a true emergency, don’t hesitate to call 911 or go to the ER, but if you’re in search of after-hours care for more minor issues, consider Urgent Care. Urgent Care centers handle a variety of medical issues for less time and less money.

Supplemental Life Insurance Rate Changes

As of April 1, 2019, supplemental life insurance premiums increased for anyone moving to a new age band. Additionally, all supplemental life premiums will increase 8% or an average of $3.39 per month beginning July 1st.

A couple important reminders about supplemental life insurance:

• Supplemental life insurance premiums are based on your age and tobacco usage and coverage amount.

• Once you turn 65, your supplemental life insurance reduces to $10,000. • Be sure to update your beneficiaries! You can update this information at any time. You can find the

beneficiary form at www.arlingtonva.us/oe. Please send completed forms back to the County. • You can cancel your supplemental life insurance at any time by emailing benefits@arlingtonva.us to

request a cancellation.

Age Monthly Premium as of 7/1/2019 (Non-Smoker)

Monthly Premium as of 7/1/2019 (Smoker)

65-69 $25.65 $49.44

70-74 $37.63 $80.19

75+ $43.31 $83.71

Here’s some examples of how the increase may impact you if

you have $10,000 of supplemental life insurance:

OPEN ENROLLMENT FY20 PAGE 8

Cigna and Kaiser Premiums Retired before January 15, 2012

All rate charts may be found on the County’s website at www.arlingtonva.us/oe Note: The maximum County Share for medical combined with dental for this group is $960/month (pro-rated for Groups 2-6). If your elections total a County Share amount greater than the cap, your dental cost will be the sum of the Retiree Share and the County Share (i.e. the Dental Full Pay Rate).

OPEN ENROLLMENT FY20 PAGE 9

Delta Dental Premiums Retired before January 15, 2012

All rate charts may be found on the County’s website at www.arlingtonva.us/oe Note: The maximum County Share for medical combined with dental for this group is $960/month (pro-rated for Groups 2-6). If your elections total a County Share amount greater than the cap, your dental cost will be the sum of the Retiree Share and the County Share (i.e. the Dental Full Pay Rate).

New!

OPEN ENROLLMENT FY20 PAGE 10

Cigna and Kaiser Premiums Hired before July 1, 2008 and retired on or after January 15, 2012

All rate charts may be found on the County’s website at www.arlingtonva.us/oe Note: The maximum County Share for medical combined with dental for this group is $600/month (pro-rated for Groups 2-6). If your elections total a County Share amount greater than the cap, your dental cost will be the sum

OPEN ENROLLMENT FY20 PAGE 11

Delta Dental Premiums Hired before July 1, 2008 and retired on or after January 15, 2012

All rate charts may be found on the County’s website at www.arlingtonva.us/oe Note: The maximum County Share for medical combined with dental for this group is $600/month (pro-rated for Groups 2-6). If your elections total a County Share amount greater than the cap, your dental cost will be the sum of the Retiree Share and the County Share (i.e. the Dental Full Pay Rate).

New!

OPEN ENROLLMENT FY20 PAGE 12

Open Enrollment Information Sessions

Can’t get enough Open Enrollment fun? Come to an information session! Sessions are scheduled throughout the County and your local, friendly benefit genius will be there to answer questions.

DATE LOCATION ADDRESS TIME

Monday, May 6 Bozman Center—Cherry & Dogwood 2100 Clarendon Blvd 11:30 AM—1:30 PM

Monday, May 13 Sequoia I—Conference Room B 2100 Washington Blvd 11:00 AM—1:00 PM

Questions? The Open Enrollment page on at www.arlingtonva.us/oe has lots of great

resources and videos to help you make the choices that work best for you.

Need to talk (or type) to a real person? Send us an email at

benefits@arlingtonva.us or give us a call at 703-228-3500, option 1, or

1-800-818-4910 from 9 AM to 4 PM

Sending in documents for your dependents? You can email those to

HRDocs@arlingtonva.us. Make sure you black out important info monetary amounts and bank account

numbers!

What are You Talking About? Sometimes it seems like we have our own language when it comes to benefits. Here’s a list of some of our frequently used terms and what they mean.

Deductible – A set dollar amount the insurance company requires an insured individual to pay out-of-pocket before the health insurance plan will make payments for eligible claims. This can be a timeframe, such as an annual deductible, or per visit, like a hospital in-patient deductible. Your deductible resets every calendar year.

Out-of-Pocket Maximum (OOPM) – A predetermined and limited amount of money that an individual must pay out of their own pocket, before the insurance plan will pay 100% for the individual’s health care expenses for the balance of the plan year. Your OOPM resets every calendar year.

Preauthorization (Prior Authorization) – Approval required by your health plan prior to having certain treatments, procedures, or prescription drugs delivered to you. Failure to obtain approval may result in service not being covered.