C ITY OF S COTTSDALE H EALTHCARE B ENEFIT P LANS FY 16-17

CHANGES Removed deductible and co-insurance from Urgent Care visit on OAP Plan Increased deductibles on HSA plan to $1,300/$2,600

W HICH PLAN IS BEST FOR YOU ?

W HAT TO C ONSIDER Do you just use the plan for your annual wellness checkups? Do you primarily use the plan for doctor visits? Do you have any planned surgeries/procedures coming up? Are you contributing to the FSA? If not, have you considered starting to?

P LAN TO P LAN C OMPARISON #1 No deductible $1,524 annual premiums for single $5,592 annual premiums for family Co-pays at time of service In-Network benefits only Out-of-Pocket max $750/$1500 deductible $888 annual premiums ($636 savings for single) $3,972 annual premiums ($1,620 savings for family) After deductible, plan pays 90% In-and-Out-of-Network Out-of-Pocket max OAP IN-NETWORKOAP

P LAN TO P LAN C OMPARISON #2 No deductible $1,524 in annual premiums for single $5,592 in annual premiums for family Co-pays at time of service In-Network benefits only Out-of-pocket max $1,300/$2,600 deductible $552 in annual premiums ($972 savings for single) $3,528 in annual premiums ($2,064 savings for family) After deductible, plan pays 90% In-and-Out-of-Network Out-of-pocket max OAP IN-NETWORKOAP + HSA

H EALTH S AVINGS A CCOUNT A DVANTAGES Single employees can contribute up to $3,350 per year Save $500 - $840 in taxes per year Families can contribute up to $6,750 per year o Save $1,000 - $1,700 in taxes per year Keep the money forever Invest like a 401k/457 Triple tax savings – money is put in tax-free, earns tax-free interest and withdrawals are tax-free!

D ENTAL AND V ISION P LAN R ATES

D ENTAL P LANS

VSP E NHANCED V ISION P LAN No Changes

PHARMACY OPTIONS

3-T IER P RESCRIPTION F ORMAT Tier 1 – Generic - Same active ingredients as their brand counterparts for a lower cost. Tier 2 – Name Brand – If you choose a brand name drug over an available generic drug, you will pay the generic co- pay plus the difference in cost between the generic drug and the brand name drug. Tier 3 – Non-Formulary – Medications that generally have generic alternatives and/or one or more preferred brand options within the same drug class. Use the Prescription Drug Quote tool on myCigna.com to price a medication and see the lower cost options available to you. There are several drug classes where significant savings can be gained by encouraging use of more cost-effective drugs

M AIL O RDER You can usually receive 3 months of your maintenance drug for the price of 2 months or less Obtain a prescription for mail order drugs from your physician Obtain a mail order drug form from Human Resources or on Cigna’s web site:

D IABETIC M ONITOR Diabetic Monitor – Cigna offers a new convenient diabetic monitor for FREE. The OneTouch is a preferred brand monitor on your Cigna Pharmacy Plan and can offer you savings that are not available with non-preferred brands. To order a OneTouch® System at no charge: Cigna Home Delivery Pharmacy Mail to: P.O. Box 1019, Horsham, PA For questions: