Welcome! We are pleased to have you visit or healthcare web page where you can learn about your Health Insurance and other Insurances provided by the City of Memphis to the Retirees. We all have a common mission here at ACRE…. to serve you and keep you informed concerning your Insurance benefits in Memphis, Shelby County, and the surrounding areas, including East Tennessee, Mississippi, and Arkansas. If you have any questions, please feel free to contact us anytime.
-Francis Bradley, Healthcare Chairman
For Health Care questions email email@example.com
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.
City of Memphis Benefits Office:
2714 Union Ave Extended 4th Floor, Suite 100 Memphis, TN 38112
1-866-543-4367 Toll Free
City of Memphis Employee Wellness Clinic:
1520 Union Avenue Memphis, TN 38104
Hours of Operation: Monday & Friday 8am to 4pm Tuesday, Wednesday, & Thursday 11am to 7pm
There’s been some information passed around that retirees who are not on the city’s health insurance plan would no longer be able to go to the city’s employee clinic. This information is FALSE!
Any retiree who was on the city’s health insurance as of October 2014 is in fact allowed to go to the Employee Clinic free of charge. This applies to dependents of those retirees as well. Retirees who are eligible to go to the employee clinic should have received a letter from the city with a card to present when seeking treatment at the clinic. If you have not yet received that letter, you will be in the next batch of letters that goes out very soon. Until you receive that letter, the clinic has a list of retirees who are eligible to use the clinic.
If you have any questions, please let us know.
Important Contacts Retirees
Employee Healthcare, Retirement & Disability Services
901-636-6800 Toll Free 1-866-543-4367 www.BenefitsMemphis.com
Via Benefits Medicare 1-866-201-0367 my.viabenefits.com/memphis
Via Benefits Pre-65 1-866-201-0437 www.marketplace.viabenefits.com/memphis
BCBST Medical & Vision Plans 1-888-796-0609 www.BCBST.com
Express Scripts 1-800-282-2881 www.expressscripts.com
MetLife 1-800-Get-Met8 www.metlife.com
BCBST 1-877-342-0737 www.BCBST.com
Mass Mutual Financial Group David Bennett 901-389-8503 firstname.lastname@example.org