City of Dallas Benefits Pre-Retirement: Another Piece of the Puzzle

Steps to Continue Insurance When Retiring Contact the Benefits Service Center (BSC) at 214-671-6947 Option 1 within 30 days of retirement and inform them of your intent to continue coverage. Inform the Benefits Representative of your retiree benefit elections. Be prepared to pay one to one and a half months of premium to continue coverage. Last month of employment will be charged at the active rate. First month at retiree rate and both will be billed via invoice as necessary.

Steps to Continue Insurance When Retiring Special Note: If you elect to continue coverage and keep the same plan(s), you will keep your current ID card(s) and any deductible(s) and co-insurance(s) that have been met will carry forward as a retiree (only the rates will change).

Steps to Continue Insurance When Retiring If you elect to waive coverage as a retiree, you must complete the “waiver” form and submit it to the BSC. This will terminate all plans (medical, dental & vision). Please be aware that if you waive coverage, you CANNOT return to the City’s health plans and you forfeit all City sponsored subsidies. Must be enrolled in medical at the time of retirement

2018 Pre-65 Rates 75/25 HRA Health Assessment NO Health Assessment 70/30 Opt 1: Retiree Only $634.00 $654.00 $559.00 $579.00 Opt 2: Retiree + Spouse $1,326.00 $1,346.00 $1,213.00 $1,233.00 Opt 3: Retiree + Child(ren) $947.00 $967.00 $810.00 $830.00 Opt 4: Retiree + Family $1,599.00 $1,619.00 $1,446.00 $1,466.00 Opt 5: Spouse Only $960.00 $980.00 Opt 6: Spouse + Child(ren) $1,253.00 $1,188.00 $1,208.00

*All numbers are based on 2018 premiums and are subject to change* Sample Monthly Costs ACTIVE 75/25 HRA: $75 with Health Assessment Pre-65 RETIREE 75/25 HRA: $634 with Health Assessment Post-65 RETIREE Medicare Part B: $134.00 Supplemental Plan (such as Plan F): $172.00 Part D Prescription Plan (Option 1): $193.00 Total Premiums: $499.00 *All numbers are based on 2018 premiums and are subject to change*

Post-65

Eligibility Requirements You must be eligible for Medicare Part A and enrolled in Medicare Part B

Original Medicare (Part A and Part B) Medicare Advantage (Part C) Review of Medicare Original Medicare (Part A and Part B) Medicare Advantage (Part C) 9

Steps to Continue Insurance When 65 (after retirement) Part A will be free if you have earned 40 or more work credits contributing to Medicare taxes. If you have not earned at least 30 work credits and you have remained enrolled in a City sponsored health plan since retiring, the City will pay your monthly Part A.    Part B must be paid by everyone, the standard rate for 2018 is $134.00 (Some enrollees pay more than the standard rate because of the following: enrolled late, disenrolled from Medicare and later re-enrolled, or have a higher yearly income). This will make this payment directly to CMS. City will no longer pension deduct.

Steps to Continue Insurance When 65 (after retirement) However, if you have enough SSI your deduction may come from your SSI check. If you do not receive a SSI check or do not receive enough funds to cover the Part B deduction, you may have your premium deducted from your monthly pension check or remit the funds to CMS quarterly on your own behalf. Important Note: If you do not apply for Medicare A/B during the Initial Enrollment Period – the 7-month period that begins 3 months before your 65th birthday and ends 3 months after your 65th birthday, you will be assessed a late enrollment penalty (10% for each 12-month period). An exception to that rule is if you or your spouse is enrolled in an employer group plan after turning age 65. After you have signed up for Parts A/B, CMS will send a billing notice to your home address. The City will pay Part A if applicable and you are responsible for your Part B premium to be paid directly to CMS. Please forward a copy of the billing notice to the Benefits Department to be added to the City’s list for your Part A portion and you will no longer receive quarterly bills from CMS, they will bill the City. You will continue to be billed for Part B quarterly.

Steps to Continue Insurance When 65 (after retirement) Supplemental Plans from AARP, United Medicare Rx and other companies Once you have enrolled in Parts A/B and received your Medicare Health Insurance Claim number (usually your SSN with an alphabet at the end) or Medical Beneficiary Identifier (MBI), You must contact AARP at 877-647-9423 to enroll in a supplemental plan (A for disabled persons, C, F, and K). AARP will mail an enrollment packet, you must select a plan, sign and date the form and mail it back to AARP. Upon receipt, AARP will notify the City of your positive enrollment and plan selection. Rates on page 9 of the 2018 retiree benefits guide.

Steps to Continue Insurance When 65 (after retirement) Medicare Part A (Hospitalization) & Part B (Other Medical Services). Plans C,F,K (Supplemental Plans) *New Medicare card starting April 2018*

Steps to Continue Insurance When 65 (after retirement) If you need a prescription drug plan, the City offers Medicare Part D (United Medicare Rx). Contact the BSC at 214-671-6947 Option 1 and they will enroll you electronically (you must have your Medicare Health Insurance Claim number for this product as well). Rates are on page 9 of the 2018 retiree benefits guide. Special Note: You may select a Part D plan other than the City sponsored plan with United Medicare Rx but please beware that premiums cannot be deducted from your monthly pension check; you will be responsible for remitting payment to the vendor. If you have detailed plan questions about AARP’s Supplement Plans or Part D, please contact those vendors directly at 877-647-9423.

2018 Post-65 Rates UnitedHealthcare (UHC) Medicare Advantage AARP Plan C Plan F Plan K Medicare Part D (Option I) Medicare Part D (Option II) Opt 1: Retiree Only $174.00 $172.00 $62.00 $193.00 $103.00 Opt 2: Retiree + Spouse $387.00 $352.00 $149.00 $467.00 $263.00 Opt 5: Spouse Only $260.00 $254.00 $74.00 $233.00 $185.00 UnitedHealthcare (UHC) Medicare Advantage High Option Low Option Opt 1: Retiree Only $228.00 $149.00 Opt 2: Retiree + Spouse $652.00 $219.00 Opt 5: Spouse Only $430.00 $296.00

For UnitedHealthcare (UHC) Medicare plans: How to Contact CMS Visit www.socialsecurity.gov or call 1-800-MEDICARE (1-800-633-4227) For UnitedHealthcare (UHC) Medicare plans: 877-647-9423 View the 2018 Retiree benefit guides online at cityofdallasbenefits.org

Dental & Vision

Dental & Vision Rates MetLife Davis Vision Dental PPO Dental HMO Opt 1: Retiree Only $20.96 $8.20 Opt 2: Retiree + Spouse $38.54 $15.08 Opt 3: Retiree + Child(ren) $38.76 $15.16 Opt 4: Retiree +Family $54.48 $21.32 Davis Vision Vision Opt 1: Retiree Only $4.92 Opt 2: Retiree + Spouse $9.00 Opt 3: Retiree + Child(ren) $9.44 Opt 4: Retiree + Family $14.50

Happy Retirement!