Your Retiree Health Benefits

?Pre - 65

Retirement Years

?Post - 65

Retirement Years

Your Retiree Health Benefits

Your Retiree Health Benefits

Funding Your Medical, Vision & Dental

• Coverage Available – At City/FOP Cost• Does Your Spouse Have Coverage• Once You Drop City’s – Can’t Reenroll• City Funding to 65 if Regular Retirement• Eligible for Medicare (primary) at 65

Your Retiree Health Benefits

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 CIGNA’s 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 retiree’s 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.

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

IAFF Retiree Health Benefits ?

Pre-65 Retirement

Years

United Healthcare

• United 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

<65 at full retirementPre-65

Retirement Years

FOP Police UHC Choice Plus Low Option

UHC Choice Plus High Option PPO

<65 Retiree only $ 467.00 $ 530.00

<65 Ret & SP $ 782.00 $ 882.00

<65 Ret & CH $ 725.00 $ 819.00

<65 Ret family $ 961.00 $ 1,103.00

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 Spouse $ 576.00 $ 674.00

>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 co- insurance

Basic, including

100% Part B co- insurance

Basic, including

100% Part B co- insurance

Basic, including

100% Part B co- insurance

Basic, including

100% Part B co- insurance

Basic, including

100% Part B co- insurance

Skilled nursing facility co- insurance

Skilled nursing facility co- insurance

Skilled nursing facility co- insurance

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 yourself• Can 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 choice

• If 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 Invitation

• If 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 barb@fop31.org

Your Retiree Health Benefits