Your Retiree Health Benefits

? Pre - 65 Retirement Years ? Post - 65 Retirement Years Your Retiree Health Benefits

Funding Your Medical, Vision & Dental Coverage Available – At City/FOP Cost Does Your Spouse Have Coverage Once You Drop plan – Can’t Reenroll City Funding to 65 if Normal Retirement Eligible for Medicare (primary) at 65

Your Retiree Health Benefits

Other Available Benefit Options ? Qualifying For Retirement

IAFF Retiree Health Funding ? Qualifying For Retirement

IAFF Retiree Health Benefits ? Pre-65 Retirement Years IAFF AvMed HMO AvMed POS Guardian - PPO Dental EE $ $ $ EE+SP $ $ 1, $ EE+CH $ $ 1, $ FAM $ 1, $ 1, $ 64.54

Management Retiree Health Funding ? Qualifying For Retirement

Teamsters Retiree Health Funding ? Qualifying For Retirement Section 5.2 For bargaining unit members who retire on or after October 1, 2002, the City will contribute two hundred dollars ($200.00) per month for medical insurance benefits to members who retire under a normal retirement. This contribution shall remain contant until the member attains Medicare eligibility, at which time all contributions shall cease. Section 5.3 The City will mail the retiree medical insurance benefit to the retiree’s home address.

City Retiree Health Benefits ? Pre-65 Retirement Years CITY AVM HMO AVM POS DHMO Den PPO Den EE $ $ $ $ EE+SP $ $ 1, $ $ EE+CH $ $ 1, $ $ FAM $ 1, $ 1, $ $

FOP Retiree Health Funding ? Qualifying For Retirement Section 1. Effective October 1, 2000, the City will contribute four hundred dollars ($400) per month for health insurance benefits to Bargaining Unit members who retire from employment with the City after their Normal Retirement Date. This contribution shall become effective beginning the month following their termination from employment with the City after their Normal Retirement Date and shall cease upon the member attaining Medicare eligibility.

FOP Retiree Health Benefits <65 ? Pre-65 Retirement Years FOP PLAN Under 65 UHC Choice EPO UHC Choice Plus PPO EE $ $ EE+SP $ $ EE+CH $ $ FAM $ $ 1,050.00

FOP Retiree Health Benefits >65 ? Pre-65 Retirement Years FOP PLAN over 65 UHC Choice EPO UHC Choice Plus PPO EE $ $ EE+SP $ $

FOP Retiree Health Benefits >65 with dependents <65 ? Pre-65 Retirement Years FOP Plan >65 Dep <65 UHC Choice EPO UHC Choice Plus PPO EE $ $ EE+SP $ $ EE+CH $ $ FAM $ $

Medicare Retiree Health Benefits What we know in 2009 ? Post-65 Retirement Years Step 1 Original Medicare Part A (hospital) Part B (medical)  Medicare provides coverage  Choice of doctors & hospitals  You pay deductibles & coinsurance  You pay monthly premium for Part B Step 2 Part D Rx Coverage?  Must join Medicare Prescription Drug Plan  Plans run by private companies approved by Medicare  Formulary’s vary by company Step 1 Medicare Advantage Part C ( Part A&B included  Private companies approved by Medicare  Network doctors & hospitals  Additional premium in addition to Part B & copayment for services in some plans  Include dental, vision, gym programs et al Step 2 Part D Rx Coverage?  Get it through company Medicare Advantage Plan  Part D usually covered at no or little cost Step 3 Supplemental Coverage Private companies, no plan variations  Fills gaps in Original Medicare  Medigap/Supplements  Cost vary by company  Employers/unions provide similar coverage if you stay in their plan  Premiums $250-$300  Must be 65, disabled does not qualify until 65  Doesn’t cover long-term care, dental, vision, hearing aides, private duty nursing ONLY A LONG TERM CARE POLICY COVERS NURSING HOME CARE or Medicaid

Medicare Retiree Health Benefits ? Post-65 Retirement Years Original Medicare Part A (hospital) Part B (medical) Part D (drug) PROS 95% of US providers accept Medicare CONS Need to buy a GAP policy for full coverage Especially skilled nursing Does not include dental, vision, etc. Medicare Advantage Part C, A & B included PROS Usually provided at $0 or small cost if you select a PPO plan Usually include dental, vision, gym memberships, rides to doctors etc. CONS Must use a network provider, usually local to the State. UHC, CIGNA, AETNA working on national networks Supplements/Medigap PROS All plans identical and defined by the government C – J 90% of doctors accept Medicare and supplements CONS Does not include dental, vision etc. or RX

Medicare Retiree Health Benefits Supplement/Medigap Plans ? Post-65 Retirement Years

Your Retiree Health Benefits