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The Maryland National Capital Park and Planning Commission 2017 Open Enrollment Period Begins October 17 and ends November 4 at 5PM 1
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Agenda What’s New for 2017 Cost Sharing Rate Changes Choices for 2017 Open Enrollment Process Break UnitedHealthcare Kaiser Permanente Caremark/SilverScript Questions & Answers 2
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WHAT’S NEW FOR 2017 Kaiser Permanente HMO will replace the Cigna EPO plan beginning January 1, 2017 There is a Medicare Complement Component under Kaiser similar to the UHC Medicare Complement plan Coverage added for virtual visits (telemedicine) at no cost (Kaiser) or only a $10 copay (UHC) Retirees enrolled in the UHC Medicare Complement plan are not eligible for the UHC virtual visit benefit 3
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COST SHARING The cost share for all employee groups remain the same Retirees pay 20% for all plans 4
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RATE CHANGES Decreases The rate for the United Healthcare Point of Service (POS) plan will decrease by 2% ($2.40 less per month for single coverage) Staying the same Caremark/Silver Script Prescription Vision Plan Increases Dental plan will increase by 2% ($0.15 cents per month for single) UHC EPO will increase by 1.8%. ($1.60 cents per month for single) UHC Medicare Complement (Retirees over the age of 65) will increase by 6.4% ($3.40 more per month for single coverage) 5
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Retired Employees and Survivors 6 PlanCoverage LevelCost Share % Bi-Weekly Employee Contribution UHC Choice Plus POS Single80%/20%$113.20 2 Member80%/20%$226.40 Family80%/20%$339.60 UHC Select EPO Single80%/20%$88.40 2 Member80%/20%$176.80 Family80%/20%$265.20 Kaiser Permanente HMO with Prescription Single80%/20%$100.79 2 Member80%/20%$201.57 Family80%/20%$302.36 Medicare Complement and Split Family Coverage UHC Choice Plus POS Medicare Compliment Single80%/20%$55.60 2 Member80%/20%$111.20 Family80%/20%$166.80 One in Medicare/One in POS80%/20%$168.80 One in Medicare/Two in POS80%/20%$282.00 2 in Medicare/One or more in POS 80%/20%$224.40 Kaiser Permanente HMO with Prescription Medicare Complement Single80%/20%$60.06 2 Member80%/20%$120.12 Family80%/20%$180.18 One in Medicare/One Child HMO 80%/20%$160.84 One Medicare /Children HMO80%/20%$261.63 Two Medicare/One Child HMO80%/20%$220.90 Two Medicare/Children HMO80%/20%$321.69
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SINGLE MONTHLY RATE COMPARISON RETIREES NOT ON MEDICARE KAISER HMO WITH PRESCRIPTION UHC EPOUHC POS Medical$100.79$88.40$113.20 Prescription$0$40.40 Total Cost$100.79$128.80$153.60 7
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SINGLE MONTHLY RATE COMPARISON RETIREES ON MEDICARE KAISER HMO MEDICARE COMPLEMENT WITH PRESCRIPTION UHC EPOUHC MEDICARE COMPLEMENT Medical$60.06$88.40$55.60 Prescription$0$40.40 Total Cost$60.06$128.80$96.00 8
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Health Plan Choices for 2017 UnitedHealthcare Exclusive Provider Organization (EPO) - (Medicare and Non-Medicare Eligible) UnitedHealthcare Point of Service (POS) - (Non- Medicare Eligible) UnitedHealthcare Medicare Complement – (Medicare Eligible) Kaiser Permanente (HMO) - (Non-Medicare Eligible) Kaiser Permanente Medicare Complement (Medicare Eligible) 9
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Caremark/SilverScript Prescription Plan 10 Your Copay Summary Any network pharmacy (including CVS) Up to a 34 ‑ day supply Maintenance Choice: Only CVS/pharmacy or mail service 84 to 90-day supply Generic drugs$8$16 Preferred brand drugs$16$32 Non-preferred brand drugs $25$40 Fill limit for long ‑ term medications 2 fills before copay increases No limit For a complete 2017 Formulary Drug list, please visit the Health and Benefits page on www.mncppc.org or inSite.www.mncppc.org
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United Concordia Dental PPO Plan Members have the freedom to choose any licensed dentist for service You are NOT required to select a dentist at the time of enrollment. You may pay more out of pocket if you choose a out-of-network dentist. To find a participating provider visit United Concordia Dental’s website at www.unitedconcordia.com to access the provider directory or call customer service at 1-866-851-7564www.unitedconcordia.com It is the member’s responsibility to submit Out-Of-Network claims 11
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Other Plan Choices for 2017 Vision Plans (VSP) Low Option – Eye exam every year and frames, lenses or contact lenses every 2 plan years Moderate Option – Eye exam and lenses or contact lenses every plan year and frames every 2 plan years. High Option – an eye exam, frames and lenses or contact lenses every plan year. $10 in-network co-pay for all three options Kaiser Vision Essentials – a limited discount vision plan included with the medical plan Prepaid Legal Service Plans Legal Resources U.S. Legal Services 12
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Annual Benefits Open Enrollment Simple Steps to Follow Refer to the open enrollment letter from the Executive Director, Patti Barney Review open enrollment documents and forms which are available on the M-NCPPC website at www.mncppc.orgwww.mncppc.org From the home page, under Quick Links, click on the 2017 Open Enrollment link Retirees who don’t have access to the internet may request a hard copy of the enrollment packet or a specific form from the Health & Benefits Office Complete and submit benefits enrollment/change form and any required documents to Health & Benefits by November 4 at 5 p.m. ET. 13
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Documents Online Enrollment Instructions Guide Employee Benefits Handbook Schedule of Open Enrollment meetings Excerpt of Benefit Changes and Highlights Contribution Rate Sheets Supplemental Information for Retirees Summary of Benefits Coverage (SBC) for each health plan Application for Benefits Enrollment Form (Now includes box for Legal plans. No separate form needed.) 14
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The Decision is yours! All forms must be submitted by 5:00 p.m. on 11/04/16. Forms may be submitted in the following manner Hand deliver Certified mail Overnight carrier Email to benefits@mncppc.org as a PDF or JPEGbenefits@mncppc.org Don’t send to individual specialists Fax to 301-454-1687 If you are a current Cigna EPO member you must select a new health plan for 2017 or you will not have health coverage and cannot pick it up at a later date !!! 15
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Questions ? ~~ Answers 19
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