1. Open Enrollment Overview City of Clearwater 2018 Plan Year
100 S. Myrtle Ave. | Clearwater, FL 33756

2. Benefits Committee
CWA: Mike Head, Matt McCombs, Roberta Gluski, Alternates: Phil Hughes
FOP Officers: Jonathan Walser, Christopher Precious
FOP Supervisors: Sgt. Joel Morley
IAFF: Stephen Colbert; Matt Schad
SAMP: Gina Clayton; Sandy Clayton; Lisa Brown-Friday; Jay Ravins
Retirees: Karen Dombrowski (contact info on

3. Open Enrollment Benefits 2018
Benefits Committee Recommended & City Council Approved:
Continue Self-funding & remain in Cigna OAP plan with
NO INCREASE IN PREMIUMS!
Lower PCP & Specialist co-pays
Eliminate Inpatient & Outpatient co-pays
Reduced co-pays for prescription drugs
Change Humana dental provider to Cigna with reduced premiums

4. EHC and Wellness Efforts are Paying off for Clearwater Employees!
EHC and City’s Heavy Focus on Wellness
Obtaining PHAs
Health & Well-being Specialist Regina Novak
Implementing Wellness Programs & Challenges
New Cigna Well-being Coordinator Natasha Daniels
Medical Trend averages 8-10%; City Claims Down!
City Absorbed the 2.09% Increase
YOUR involvement in your health has made the difference!

5. Open Enrollment Benefits 2018
Open Enrollment Period For Plan Year 2018 ~
Friday, September 29th - Friday, October 27th at 11:59 P.M.
Make Any Changes During This Period
Add/Drop Eligible Dependents
Elect Flex Spending Accounts (FSA)
Enroll/Terminate Other Benefits
NO Changes Permitted During the Year without a Qualifying Event

6. City Premium Payment Plan
Employees are automatically enrolled in the City’s IRS Section 125 Qualified Premium Payment Plan:
When Electing Benefits: i.e. Medical, Dental, Vision premiums are deducted Pre-tax from your paycheck.
No Changes to Elections Except for Qualifying Events
(30 days to notify HR of Qualifying Event, per IRS Section 125)

7. Cigna OAP Medical Plan for 2018
No Increase in Premiums!
PCP Co-Pays Reduced from $40 to $20
Specialist Co-Pays Reduced from $60 to $40
$300 Out-Patient Co-Pay Eliminated
$500 In-Patient Co-Pay Eliminated

8. Cigna OAP Medical Plan for 2018
The rest of the schedule of benefits for in-network services will stay the same for 2018
Deductible $2,000/$4,000
Out-of-pocket limit $3,500/$7,000
Co-Insurance %Employee/90% Cigna
Hospital/Emergency Room/Urgent Care: Co-pay eliminated and only Co-insurance and deductible apply
$150 Co-payment Per Visit for Emergency Room Services
$75 Co-payment Per Visit for Urgent Care Services.

9. Convenient Phone or Video Physician Consultation
TeleHealth Services
Convenient Phone or Video Physician Consultation
No copay charge for the “visit”
Use when Primary Care Physician Unavailable – Nights/Weekends
Alternative to costly urgent care/ER visits
Use TeleHealth for symptoms such as:
Sore Throat Allergies
Headache Rash
Fevers Cold or Flu
AmWellforCigna.com
MDLIVEforCigna.com

10. Got Questions About Insurance or Bills??
Send your questions to:
or call toll free:
If ing: Please Do Not personal information ie: SS# or DOB

11. An Ounce of Prevention is Worth A Pound of Cure!
Preventive Care is Covered at 100%
Well Woman/Man Exam
Mammogram
Pap Test
PSA Test
Lung Cancer Screening (limitations apply)
Colonoscopy (co-pay only)
Preventive Exams & Routine Screenings are Encouraged!
Possibly Detect Early Warning Signs of a More Serious Health Issue

12. Dental Insurance 2018 Cigna P5X00 replaces Humana CS150
Cigna F1-09 replaces Humana Advantage
Cigna PPO replaces Humana Elite Preferred PPO
All Cigna Plans with Similar Schedules of Benefits and decrease in premiums.
Assurant Low-Option will remain a dental provider with No Changes or Increases in Premiums

13. Dental Insurance 2018
The Cigna P5X00 Dental Plan Premiums will Decrease 7%
*Requires to Choose a Provider at Time of Enrollment
Per Pay Premiums:
Employee only $8.61
Employee + 1 $16.01
Employee + Family $20.84
Monthly Premiums:
Retiree only $17.21
Retiree + 1 $32.02
Retiree + Family $41.68

14. Dental Insurance 2018
The Cigna F1-09 Dental Plan Premiums will Decrease 22.8%
Per Pay Premiums:
Employee only $10.76
Employee + 1 $20.04
Employee + Family $26.09
Monthly Premiums:
Retiree only $21.52
Retiree + 1 $40.08
Retiree + Family $52.18

15. Dental Insurance 2018
The Cigna PPO Dental Plan Premiums will Decrease 11.5% Per Pay Premiums: Employee only $ Employee + 1 $ Employee + Family $ Monthly premiums: Retiree only $ Retiree + 1 $ Retiree + Family $107.44

16. Dental Insurance 2018
If you are currently enrolled in a Humana dental plan you will be required to chose another dental plan! Dental coverage will not roll over from 2017
If you do not enroll in a new dental plan for 2018, your 2017 dental coverage will be terminated on Dec 31st with NO OPTION to re-enroll after October 27, 2017 and no dental coverage for 2018.

17. Vision Insurance 2018
Humana Vision Plan will Remain as our Vision Provider with No Plan Changes or Increases in Premiums

18. Flex Spending Accounts 2018
Administered by Aflac through WageWorks.
Flexible Spending Account limits~
$2,600 for Unreimbursed Medical
$5,000 for Dependent Care
If you did not keep your FSA debit card, you may request a new one online through the EBC
FSA requires a new online enrollment each year, it does not roll over!

19. Enrolling in Your Benefits for 2018
You only need to go into Bentek if you are:
Currently Enrolled in a Humana Dental Plan and would like to continue dental coverage. You must enroll in a different plan or lose dental coverage!
Making changes to Benefit Elections for 2018
Adding/Removing Dependants to Your Plans
Updating your Beneficiaries
Enrolling in your 2018 Medical or Dependant Care Flexible Spending Accounts
IMPORTANT! FSA’s do not automatically roll over – Must Enroll Annually!

20. If waiving medical insurance coverage, you must provide proof of other coverage for yourself only and complete a waiver form.
You must meet with Aflac representative Frank D’Ascoli if you are adding, dropping, or making changes to your supplemental insurance elections.
If you make changes in the Bentek system, you must click on “I Agree” and “submit” on the final page. If you exit before clicking “SUBMIT,” your changes will not be saved.

21. All election changes must be completed online no later than
11:59 p.m. on Friday, October 27, 2017
City offices close at 5:00 p.m. that day
City’s online Benefit Enrollment System
Thank You!