ACTIVE EMPLOYEE OPEN ENROLLMENT will be October 5-31, 2020 for CY 2021 beginning Jan. 1
RETIREE OPEN ENROLLMENT will be November 1-30, 2020 for CY 2021 beginning January 1. This will include those fire and police retirees under the age of 65 who want to come back on the City’s plans, those over the age of 65 who do not qualify for Medicare, disability pensioners under 65 and surviving spouses of those who died in the line of duty and are still under 65.
In Sept/Oct 2020 City HR Benefits will begin sending out information relating to both these open enrollments. They must have your current address. If you have moved and failed to let the City Benefits office know you must contact them with your correct address.
The City has added a $100 per month Spousal Surcharge for spouses who want on the City plans while he/she has access to insurance at his/her own employer.
THIS WILL BE AN ACTIVE ENROLLMENT. Everyone has to do something. There will be no face to face meetings this year. You must go online or call City Benefits via telephone. Don’t try to call until your Open Enrollment dates. The process is still being refined and set up at this time.
When you receive your paperwork READ it closely, there have been significant changes.
For instance, if you choose the Select Plan (Network S), it only includes Baptist, LeBonheur, Regional One, & St. Francis. If you go to Methodist, it will be out of Network and you will have to pay 50% of the cost.
If you choose the Choice Plan it has three groups of hospitals. Baptist, LeBonheur and Regional One are 20% coinsurance. If you choose Methodist or St Francis those both have a $100 per admission copay plus 30% coinsurance. All other hospitals are Out of Network at 50% coinsurance.
Out of pocket Maximums are up for Single at $5,000 and for family $10,000. In the Select Plan you still get the HRA of $750 for single and $1,500 for family.
In benefits for Rehab Office Visit and Chiropractic Visits in both Choice and Select Plans you have to pay a $30 copy per visit. Specialist visit in Choice is $30 copay and in Select Deductible + Coinsurance applies.
EMERGENCY ROOM There will be a $300 copay, plus your deductible and coinsurance apply. If you are admitted the $300 copay will be waived. You may want to consider Urgent Care portion of your plan.
Out of town members of Health plans. Choice plan use a BCBS affiliated hospital or one not affiliated you will pay the 30% coinsurance plus the $100 Admission Copay. Select plan, if you go to a BCBS affiliated hospital, will pay 20% coinsurance but to any other hospital not affiliated, the coinsurance will be 50% out of network rate.
City of Memphis Dental & Vision If you carry this insurance you must enroll for the new company BCBS
Standard Life now handles the Death Benefit for the $5,000 for the Retired employee. Make sure your beneficiaries are who you want. Sometimes with life changes we forget to change the beneficiary.
REMEMBER THIS IS AN ACTIVE ENROLLMENT. READ EVERYTHING SENT TO YOU FOR YOUR PROTECTION. Throwing it away could potentially harm your family until the 2022 OE season.
PRE 65 RETIREES AND ANY OTHER ACRE MEMBERS INTERESTED
The below is a statement put out by MPA John Covington who is one of the folks working hard on this referendum.
|Oct 3 was a great victory for current officers, retirees, and the city of Memphis. I know everyone is very excited as well they should be. I also know that many of you have questions. Let me just tell you where we are at the moment. The Referendum has been successfully passed. We are wrapping up the last bit of campaign business and are putting together a committee tasked with working out details, meeting with the city, and overseeing the implementation of what the citizens of Memphis voted FOR. Every indication we have had from the city is that they are ready in good faith to work with us and ensure that the will of the people is carried out. This process will not happen overnight. There are a lot of moving parts and it is extremely important that we take our time and get this right. I can ensure you as this process gets rolling we will be putting out updates.|
I also know there is some anxiety out there and I’m hearing some misinformation being spread in the form of gloom and doom rumors. Let me be clear. As of this moment, I am confident in the process going forward. If any issues arise we are prepared to address them quickly and decisively, but as stated earlier I see no reason for alarm.
If you have any questions I’d rather you call the MPA or email, text or call me personally then get worked up over a rumor or faulty information.
MPA – Chief Steward