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Open Enrollment

FY20 Highlights

CIGNA PRESCRIPTION CHANGES

We’ve made some important changes to how you pay for your prescriptions. See page 5 for more information.

KAISER PERMANENTE PREMIUMS

Kaiser Permanente premiums are changing. Review the new rates on page 9.

DELTA DENTAL PREMIUM PLAN — New!

A new premium Delta Dental Premium Plan is available for FY20 that provides you with extra benefits like a higher annual maximum and adult orthodontics. See page 6 for plan and rate information.

LONG-TERM DISABILITY INSURANCE— New!

We’ve partnered with The Hartford to offer a voluntary long-term disability plan to replace your income in case you become disabled and can’t work. If you sign up during Open Enrollment, you get guaranteed coverage. See page 7 for plan and enrollment information.

HEALTH CARE FLEXIBLE SPENDING LIMIT INCREASE

There’s a new limit for healthcare FSA expenses! You may now elect up to $2,700 for the plan year to cover eligible expenses. More information on FSAs can be found on page 8.

Open Enrollment begins Monday, May 6, 2019 and ends Friday, May 24, 2019! During this time, you can make changes to your health insurance plans and other benefits. Check out this newsletter for helpful tips, and to learn about the new benefits and plan changes we have for this upcoming fiscal year.

focus

Select a Topic A Letter from Benefits 2

Enrollment Checklist 3

ALEX 4

Cigna Plan Changes 5

Delta Dental Plans 6

Long-Term Disability 7

Flexible Spending Accounts 8

FY20 Premiums 9

Adoption Assistance 11

Benefits Lingo 12

Extra Tools 13

OPEN ENROLLMENT FY20 Page 2

A Letter from Your Benefits Team

Open Enrollment is here! It begins on May 6 and ends on May 24. This is the one time of year when you can make changes to your benefit plans, but if you don’t take any action, you’ll automatically stay in the same medical, dental, and supplemental life insurance plans you chose last year. A couple important things to keep in mind this year:

• You have to enroll in a healthcare or dependent care FSA every year—the IRS says so—so remember that this benefit won’t carry over!

• You must enroll online in PRISM. Remember to submit your changes and print a confirmation page—this is like your receipt!

• If you add anyone to your medical or dental plans, you’ll be asked to provide documents to make sure that person is eligible for our plans (see page 4 for more information).

• Your Open Enrollment elections are effective July 1, 2019. After that, you can only change them if you have a qualifying life event—like getting married, divorced, or adding a child to your family.

Because there are changes to our health plans every year—changes that can affect your paycheck (through your premium contributions) and your pocketbook (through your deductibles, copays, and prescriptions)—we highly recommend talking to ALEX (see page 4) and checking out the information on our Open Enrollment page here to see if your current choice still fits and review the new things we have in store this year. Remember we’re always here to help if you have any questions or if you just want to make sure you’re making the best choice for you.

Sincerely,

Your Benefits Team

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Open Enrollment Checklist Use this checklist to help guide you through the steps you should take this Open Enrollment.

TALK TO ALEX Check out ALEX to get personalized recommendations.

ATTEND A MEETING OR WATCH THE PRESENTATION

View the Open Enrollment meeting and Computer Help Session schedule here. Can’t make it? Watch the presentation here.

ENROLL IN PRISM

Make your Open Enrollment changes through Employee Self-Service in PRISM.

SUBMIT YOUR CHANGES Print a confirmation page for your records! This confirmation page is like your receipt for any changes you made.

SEND DOCUMENTS Did you add a dependent this year? If so, you’ll be asked to submit supporting documentation. Review the list of documents here and send your documents to HRDocs@arlingtonva.us.

REVIEW YOUR CONFIRMATION STATEMENT

A confirmation statement will be mailed to your home address on May 31. Contact us immediately if any corrections need to be made.

CHECK YOUR EMAIL Be sure to regularly check your County email. This is how you receive updates and important information from the Benefits team.

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Meet ALEX! Not sure what benefits are best for you and your family? ALEX is available to assist! ALEX is an online tool that will help you select the best benefit plan for you and your family. When you talk to ALEX he’ll ask you a few questions about your health care needs, crunch some numbers, and point out what makes the most sense for you. Click here to say hi.

ALEX points out which plans make the most sense for YOU as an individual, not your coworkers, or your boss, or even me, your local benefits genius. ALEX is fun to use, and talks like a real person. There’s no boring insurance jargon or complicated legal jibber-jabber. ALEX is an Arlington County benefits expert. It can present plan options side-by-side to make sure you feel confident in the decision you make.

HOW LONG WILL THIS TAKE? Most users spend about 7 minutes with ALEX, but it really just depends how much guidance you’d like. HOW DOES ALEX KNOW WHAT PLAN IS BEST FOR ME? ALEX looks at the amount each plan would cost you out of your paycheck (your premium), the amount it would cost of the services you might use, and how you use the plan depending on your needs. CAN I USE ALEX ON MY PHONE? Oh yeah, ALEX is optimized for any device you’ve got. CAN I TRUST ALEX WITH MY SECRETS? Yes! Your ALEX experience is totally private. He doesn’t maintain personal info or submit it back to your employer (or anyone else), so it’s completely anonymous.

Who Can I Add to My Medical and Dental Insurance? You can only add certain people to your plan like your spouse, children, and stepchildren of your current marriage. Remember, for anyone you add to a medical or dental plan, you’ll be asked to email documentation like a marriage certificate, tax form, or birth certificate to HRDocs@arlingtonva.us. You can see the list of dependents you can add and the required documents here.

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Welcoming a New Baby to the Family? Cigna Healthy Pregnancies, Healthy Babies now offers a $500 incentive if you enroll in your first trimester and complete the program ($250 if you enroll in the

second trimester)! Sign up by calling Cigna at 1-800-615-2906 or download the Cigna Healthy

Pregnancy app on your smartphone to enroll.

Cigna Prescription Drug Changes

Every year, there are slight changes to our benefit plans that can affect things like your paycheck (through your premium contributions) or your pocketbook (through what you pay for services and prescriptions).

This year we’re introducing some changes to how you pay for your prescription drugs to continue encouraging you to be better health care consumers.

Here’s an overview of the important changes—and what’s not changing:

New Cigna ID cards will be mailed to all members. Your new ID card will be mailed to your home address on file on or around July 1, 2019. Generic drugs are still $10 or less across all plans ($20 or less for 90-day supplies through mail order or a 90 Now pharmacy). Remember, certain preventative generics are free through mail order.

For Cigna Coinsurance plan members, prescription drugs are changing from copays to coinsurance. This means you’ll pay a percentage of the drug’s cost up to a maximum amount depending on the tier. Here are the new coinsurance amounts: You can find an easy guide on how to check your new prescription coinsurance amounts here.

For Cigna Copay plan members, prescription drug copays are increasing. Here are the new copay amounts:

CIGNA COINSURANCE PLANS

30-Day Retail Supply 90-Day (Mail Order or 90 Now Pharmacy)

Tier 1 (Generic) Up to $10 Up to $20

Tier 2 (Preferred) 25% up to $50 max 25% up to $100 max

Tier 3 (Non-Preferred) 40% up to $90 max 40% up to $180 max

CIGNA COPAY PLANS 30-Day Retail Supply 90-Day (Mail Order or 90 Now Pharmacy)

Tier 1 (Generic) Up to $10 Up to $20

Tier 2 (Preferred) $40 $80

Tier 3 (Non-Preferred) $80 $160

OPEN ENROLLMENT FY20 Page 6

Dental: Standard and Premium Options This year we’re offering a premium dental plan through Delta Dental of Virginia that provides enhanced dental benefits such as a higher annual maximum per member and adult orthodontics. Remember with regular dental care, you can prevent cavities, boost your overall health, and save money.

STANDARD PLAN PREMIUM PLAN— New!

Annual Deductible $55 per person; $110 per family

per calendar year

$55 per person; $110 per family per calendar year

Annual Maximum $1,250

per person

$2,500 per person

Diagnostic & Preventive*

(2 cleanings and 1 set of x-rays per calendar year)

Covered at 100% Covered at 100%

Basic Services

(Fillings and simple extractions) Covered at 80% Covered at 90%

Major Services

(Dentures, bridges, implants and crowns)

Covered at 50% Covered at 60%

Orthodontia (Orthodontia maximums are sepa-rate from annual maximums)

Covered at 50%

Lifetime maximum $1,250

(Dependent children under the age of 19 only)

Covered at 50%

Lifetime maximum $2,500

(Adults and children)

Temporomandibular Joint Disorder

(TMJ-Bite Guard)

Not covered Covered at 90%

BI-WEEKLY COST (full-time employees):

STANDARD PLAN PREMIUM PLAN

Single $3.40 $10.21

Employee + Spouse or Adult Dependent

$8.49 $20.41

Employee + Child(ren) $9.24 $22.23

Family $12.95 $31.14

*Costs associated with diagnostic and preventive care (cleanings oral exams, and x-rays) will not count against the annual maximum. Hooray!

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Long-Term Disability Insurance from The Hartford WHAT IS IT?

Long-term Disability insurance (LTD) helps protect your paycheck after a serious accident or illness. On or off the job, anyone can become disabled. But if you have LTD, you can get:

• A percentage of your income each month.

• Professional help for disability-related challenges from legal specialists to financial and therapeutic counselors.

• Affordable rates through convenient payroll deductions.

WHERE CAN I FIND MORE INFORMATION?

Tools are available here to help you learn more about what long-term disability is, what it covers, when it

begins, and how much you have to pay.

Use the MyTomorrow Decision-Support Tool to help you determine your needs based on your life stage

and family status. The Cost Calculator helps you get a per-paycheck cost based on things like your age

and salary.

HOW DO I SIGN UP?

Sign up for Long-term Disability in PRISM. If you sign up this Open Enrollment, you get a guaranteed policy without any additional information needed!

Sign up for Supplemental Life Insurance Did you know you can buy extra life insurance for you, your spouse, or your

children during Open Enrollment?

If you buy or increase extra life insurance, remember you’ll need to complete

an Evidence of Insurability (EOI) form, which will be mailed to your house.

You can find more information on supplemental life insurance here. Be sure to check out the calculator to

see how much you’ll pay each pay period.

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Save Money with Flexible Spending Accounts Want to reduce your taxable income and increase your take-home pay? Enroll in an FSA and start saving money on eligible healthcare and/or dependent care expenses.

GREAT REASONS TO ENROLL IN A HEALTHCARE FSA • Contribute pretax dollars from your paycheck, up to $2,700! • Access to your elected amount right at the start of the plan year—no waiting! • You can rollover up to $500 of unused FSA funds to the next plan year • If you and your spouse both have a healthcare FSA, you can each contribute up to the $2,700 limit • You can pay for eligible healthcare expenses for you, your spouse, an your tax dependents, such as:

Copays and coinsurance Dental expenses like orthodontia, crowns, and bridges Vision expenses like LASIK laser eye surgery, glasses, and contacts

WHAT ARE SOME BENEFITS TO ENROLLING IN A DEPENDENT CARE FSA? • Contribute pretax dollars from your paycheck, up to $5,000! • Funds are for your dependent(s) age 13 or younger. Or a spouse or

dependent incapable of self-care. • The County will reimburse you up to $500 annually (depending on your

contribution). Click here for FAQs! • Reimburse yourself for eligible child and adult care expenses, such as:

Day care Before and after school care Preschool and nursery Summer day camp

A COUPLE THINGS TO KEEP IN MIND… • You have to re-enroll in an FSA every year—last year’s enrollments won’t carry over! • FSAs can only be used for eligible expenses. You can view the list of eligible expenses here. • The Dependent Care FSA has a “use-it-or-lose-it” rule. This means you’ll lose any unused funds at the end of the plan year so make sure you only elect what you plan to use! • FSA elections are binding. This means that you can only change them if you have a qualifying life event like getting married, divorced, or having a baby. • Remember you can change your Dependent Care FSA contribution if

there’s a change in your care provider or the cost of your provider.

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Adoption Assistance Welcoming a new addition to your family? The County reimburses up to $5,000 per finalized adoption to eligible employees!

WHO’S ELIGIBLE?

Employees: permanent full-time and part-time employees with at least one year of continuous service

Children: under the age of 18, unmarried, and not related to the employee or their spouse or domestic partner

WHAT CAN I BE REIMBURSED FOR?

Agency and placement fees

Travel expenses associated with the adoption (including transportation, lodging, and meals)

Medical expenses for the child not otherwise covered by insurance

Temporary foster care provided before placement of the child in your home

Immigration, immunization, and translation fees

Court costs and legal fees

WHERE CAN I FIND MORE INFORMATION?

More information on Adoption Assistance, including the policy and the reimbursement form, can be here.

Coming Soon! A Consumer Driven Health Plan (CDHP) Even though we’re gearing up for FY20, we’re always

planning for new benefits to help enhance our plans.

For FY21, we’ll be introducing a new Consumer Driven

Health Plan also known as a CDHP.

A CDHP is a health insurance plan where you pay lower premiums (from your paycheck) and a higher

deductible (see page 12) when you receive care. Some care, like preventative care, is still free and you also

get a new tax-advantaged savings account known as a Health Savings Account, or HSA, to help you pay for

your healthcare costs. The great thing about a HSA? You earn interest on your contributions, the money

never expires, and you can take it with you if you change jobs.

More information on our new CDHP plan will be available as we gear up for FY21 so keep an eye out!

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What are You Talking

About?

Sometimes it seems like we have our own language when it comes to benefits. Here’s a list of some of our frequently used terms and what they mean. Brand Name Drugs – A drug sold by a company under a specific name or trademark and that is protected by a patent. Brand-name drugs may be available by prescription or over the counter and cost more.

Coinsurance – The percentage of costs of a covered health care service you pay. For example, if the insurance company pays 90%, you would be required to pay the remaining 10% as coinsurance.

Copay – A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.

Deductible – A set dollar amount the insurance company requires an insured individual to pay out-of-pocket before the health insurance plan will make payments for eligible claims. This can be a timeframe, such as an annual deductible, or per visit, like a hospital in-patient deductible. Your deductible resets every calendar year.

Explanation of Benefits (EOB) - A statement sent by a health insurance company to covered individuals providing details about a medical insurance claim that has been processed and explains what portion was paid to the health care provider and what portion of the payment, if any, is the patient's responsibility.

Formulary – A list of prescription drugs that are approved and covered by the health plan.

Generic Drugs – A prescription drug that has the same active-ingredient formula as a brand-name drug. These usually cost less than brand name drugs, and the FDA rates them to be as safe and effective as brand name drugs.

Network – The facilities, providers, and suppliers your health insurer or plan has contracted with to provide health care services.

Out-of-Pocket Maximum (OOPM) – A predetermined and limited amount of money that an individual must pay out of their own pocket, before the insurance plan will pay 100% for the individual’s health care expenses for the balance of the plan year. Your OOPM resets every calendar year.

Plan Year – The 12-month period when your insurance company provides your health care benefits. For Arlington County, our Plan Year is identical to our Fiscal Year, July 1 – June 30.

Preauthorization (Prior Authorization) – Approval required by your health plan prior to having certain treatments, procedures, or prescription drugs to ensure it is medically necessary. Failure to obtain approval may result in service not being covered.

Premium – This is the amount that you pay for health/dental insurance on a biweekly basis. You must pay this amount regardless of whether you use any medical services.

Preventive Services – Routine health care that includes screenings, check-ups, and patient counseling to prevent illnesses, disease, or other health problems.

Urgent Care – Care for an illness, injury, or condition serious enough that a reasonable person would seek care right away, but not so severe as to require emergency room care.

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Open Enrollment Information Sessions

Can’t get enough Open Enrollment fun? Come to an information session! Sessions are scheduled throughout the County and your local, friendly benefit genius will be there to answer questions.

DATE LOCATION TIME ADDRESS

Monday, May 6 Bozman Center—Cherry & Dogwood 11:30 AM—1:30 PM 2100 Clarendon Blvd

Monday, May 13 DPR—Trades Conference Room 6:00 AM—7:30 AM 2700 South Taylor St

Monday, May 13 Sequoia I—Conference Room B 11:00 AM—1:00 PM 2100 Washington Blvd

Monday, May 20 Bozman Center—Cherry & Dogwood 11:30 AM—1:30 PM 2100 Clarendon Blvd

PRISM Computer Help Sessions

Got a handle on the benefits you want, but just need help signing up? Stop by a

PRISM Computer Help Session for personalized PRISM help.

DATE LOCATION TIME

Wednesday, May 22 Bozman Center—Room 506 11:30 AM—4:00 PM

Thursday, May 23 Bozman Center—Room 506 9:00 AM—4:00 PM

Friday, May 24 Bozman Center—Room 506 9:00 AM—4:00 PM

Questions? Talk to ALEX. ALEX is our virtual benefits counselor and he’s fortified with

boredom-busting vitamins and minerals. Click here to say hi.

The Open Enrollment page on AC Commons has lots of great resources

and videos to help you make the choices that work best for you. Click

here to check it out.

Need to talk (or type) to a real person? Send us an email at

benefits@arlingtonva.us or give us a call at x3500 from 9 AM to 4 PM

Sending in documents for your dependents? You can email those to HRDocs@arlingtonva.us. Make

sure you black out important info like Social Security Numbers and monetary amounts!