1. BENEFITS OPEN ENROLLMENT FOR 2019
City of Lewiston
BENEFITS OPEN ENROLLMENT
FOR 2019

2. Health Insurance 3 PLANS AVAILABLE POS-C and PPO-500 available to all
PPO-1500 Available to non-union employees only

3. IMPORTANT PLAN CHANGES
4TH Quarter carry over is being eliminated effective January 1, 2019

4. IMPORTANT PLAN CHANGES
RATE CHANGES
POS-C – 2.89% increase
PPO Plans
PPO 500 – 2.89% increase
PPO 1500 – 5.89% increase

5. Vision Insurance Vision insurance is through the Health Trust
Vision provider is VSP
Rates are the same this year as last year
No plan changes

6. Dental Insurance In order to avoid an almost 12% increase in costs
Our Dental insurance is now through the Health Trust
Only one Dental plan available
We still go through Delta Dental and have the PPO and Premier Network available

7. Dental Insurance Important Plan Changes
The Health Trust allows you to carry your Delta Dental into Retirement (Effective February 1, 2019)
Annual Benefit maximum is $1,250
(the old plans were $1,000 and $1,500)
Annual deductible is $25 per person/$75 per family
(The old plans were $75/$225 & $100/$300 Annual deductibles)
No double up Maximum available with this plan
Orthodontic coverage is on your plan with 50% coverage
(same percentage as our high plan previously)
Last years rates
High Plan
Single - $12.51
2 People - $21.57
Family – $37.41
Low Plan
Single - $10.49
2 People - $17.88
Family - $29.64

8. Summary of Benefits
Summaries for all plans can be found on the City Intranet, City of Lewiston Website, or at the Human Resources office.
–>
Departments -> Human Resources -> Employee Benefits

9. Health Reimbursement Account
PPO 500 $1,200 for Single
PPO 500 $2,400 for Family
PPO 1500 $1,700 for Single
PPO 1500 $3,400 for Family

10. Flexible Spending Account- Medical
The maximum contribution this year is $2,900,
(This number includes whatever the city is contributing towards your FSA account)
FORM REQUIRED!
(Please print your name on the forms in clear writing!)

11. Flexible Spending Account - Dependent Care
The city does not contribute anything to this benefit
If you are single or filing separately the maximum you can contribute to your dependent care account is $2,500.
If you are married and filing jointly, the maximum you can contribute is $5,000.

12. MMEHT Income Protection/Life Insurance
Income Protection and Life insurance rates are not changing
You can apply/cancel/change at any time, if you are increasing coverage you are required to fill out an evidence of insurability for this and you can be denied based on medical history

13. Retirement Health Savings Account
You have an Retirement Health Savings account through ICMA
These funds can only be used upon retirement to pay for medical expenses
You cannot contribute to this account on your own at this time, this is specifically only unused vacation/sick days per your contract

14. 457 – Retirement Account Can start/stop/change at anytime
Go through 3 different vendors: ICMA, Mass Mutual and MESTART
The limit for the 2019 calendar year is $19,000
(This rate does not include the Age 50 catch up provision or the Pre-Retirement Catch up Provision)
6,000 for age 50
38,000 pre retirement catch up prevision

15. REMINDER REQUIRED FORMS Dental Form FSA Form
Because we are going through a new administrator (MMEHT), if you want any sort of Dental coverage, you must fill out this form
FSA Form
You need to fill out this form even if you only want city paid coverage offered
If you want to add your own coverage, even if you had coverage the previous year, you need to fill out form again

16. Please Stop in and visit HR
QUESTIONS?
How to contact me? Heather Theriault By
By Phone: My direct extension is 3238
Terri-Lynn Bechard – HR Tech By
By Phone: Direct extension 3239
Please Stop in and visit HR
Reminder: We are on 2nd floor of City Hall and we are open 8:30am-4:00pm

17. AFLAC/LEGAL SHEILD
Now is the time to add/drop or make any changes to your Aflac of Legal Shield coverage