Retiree Benefits Update COPRA Meeting May 24 2012

Retiree Benefits Update COPRA Meeting May 24, 2012

Topics Medical Pharmacy Plan Year Dental Health Risk Assessments employee. phoenix. gov/hr/retirees 2

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 3

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 1 st effective date – Sworn public safety retirees employee. phoenix. gov/hr/retirees 4

Plan Year Change For the rest of 2012 • Your premium stays the same • Your coverage stays the same employee. phoenix. gov/hr/retirees 5

Open Enrollment October 15 – November 9 Look for a bright yellow book in the mail in late September employee. phoenix. gov/hr/retirees 6

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 7

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 8

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 9

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 10

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 11

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 12

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 employee. phoenix. gov/hr/retirees 13

Health Risk Assessment • Complete your HRA online. • You will receive results and recommendations immediately. • You may be offered services from a Health Coach. employee. phoenix. gov/hr/retirees 14

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 on-the -spot at most biometric screening locations! employee. phoenix. gov/hr/retirees 15

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 16

More Information is Coming! Look for the bright yellow Open Enrollment Guide in your mailbox in late September. employee. phoenix. gov/hr/retirees 17

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 18

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 19

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 20

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 21

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 22

Save with generics Pharmacy • 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 23

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 24

Customer Service Representatives from Cigna and Blue. Cross/Blue. Shield 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 25

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 26