 Hello and welcome to Open Enrollment 2024. This presentation is the short presentation which will focus on the changes coming in 2024 and not every detail of every plan. Open Enrollment will begin October 9th and end October 27th, 2023. We will be using our online system cfwbenefits.com to enroll. The enrollment deadline for all plans is October 27th at 11.59pm. I do not recommend you wait until the last possible minute as the window will close at 11.59pm. All changes you make will be effective January 1, 2024. This year there will be a slight premium increase for the medical plans for everything except the employee only tier for the consumer choice plan. We had to increase the deductible for the individual deductible to $3,200 to comply with IRS requirements. On a positive note, we are lowering the co-pays on the health center plan for providers that are not at the health centers. The new primary care co-pay will be $30 which include pediatricians and OB gens. The new specialist co-pay will be $50 down from $75. In big news, we are leaving Accolade and moving to Elite. You may remember we had Compass several years ago. They had changed their name to Elite and we are returning to them for our health care concierge in 2024. There has been an increase in the maximum amount you can set aside in your HSA if you choose to set aside your own money. The individual level will increase to $4,150. This city will still contribute the $540 to the individual account. Since the maximum includes both employee and city contribution, the max that you will be able to contribute from your own check would be $3,610. For those with family coverage, the maximum will be $8,300 which includes $1,000 city contribution so the maximum you could contribute from your paycheck would be $7,300. We have received an increase in maximum amount of life insurance. The new maximum is $600,000 for the employee. You will also be able to cover your spouse up to $150,000. The spouse would need to complete evidence of insurability and be approved to receive the new amount. Additionally, you can elect up to $20,000 for dependent child life insurance. We have also added a new high option for the vision plan. This high option gives an additional amount for frame or contact lens allowance. For both vision plans, there is now an option to see a plus provider for an additional benefit such as a still higher frame or contact lens allowance. The primary plus providers are chain establishments such as target and lens crafters. We'll be offering the same two plans for 2024, the health center plan, and the consumer choice plan. The health center plan has the free primary care at the health centers and co-pays for specialists and providers who are not at the health centers. They have lower deductibles and lower out-of-pocket maximums. We have a national network and there are physicians available nationwide. The consumer choice plan is our high deductible health plan. You must meet the deductible before the insurance will pay for your medical services. There is a health savings account that goes with the consumer choice plan and you are able to use the health centers at a discounted rate. Preventive care on both plans is covered 100% so getting your annual well adult exam, a well child exam, and a well woman exam are all covered on both plans. However, one thing to be aware of is on the consumer choice plan. If you talk about an issue you're having or if your doctor orders additional tests, those will have a charge. For example, my provider requests I get a vitamin D test done. This is a diagnostic test and not a preventive test. And if I were on the consumer choice plan, I would pay for the test. 2023 saw the retirement of two long-term health center providers, Dr. Reeve and Sherry Pierce. Both were Huigley providers. We now have Patricia Benavides-Nyep working at Huigley. Removed from the Moncreate location in June of 2023 and the downtown Fort Worth Health Center is now called Magnolia and is located at 1320 Hemp Hill Street, Suite 350. Starting in November, Dr. Courtney Campbell will be the primary care provider there. We are also opening a new health center at the Police Officers Association Building at 100 North Forest Park Boulevard, Suite 120. This is across Forest Park from the new City Hall. This facility will open in November and Dr. Mario Mejia will be the provider there. In big news, we have replaced Accolade with Elite. You may or may not remember that we had Compass three years ago and they had changed their name from Compass to Elite. We are basically returning to them after three years with Accolade. They will help you with benefits navigation such as cost estimates and bill reviews. They can help with clinical decision support and second opinion services. Finally, they can also help you with surgery support, including what to expect before and after surgery. These are the medical rates for 2024. There was a slight increase in premiums for all the plans except consumer choice plan employee only coverage. For the health center plan employee only coverage, the increase is less than $2 a paycheck. We have an exciting new offering from IMED for 2024. We are now able to offer a high and a low vision plan. On the high plan, there is a slightly better contact lens and frame allowance as well as lower co-pays for progressive lenses. In addition to the new high option, IMED is offering a better benefit if you go to plus providers. You can identify a plus provider when searching a doctor online. Primarily, plus providers will be chain providers such as target optical or lens crafters. When searching for providers, we are the in-site network. Life insurance. We will continue to offer you one time your salary for basic life and accidental death and dismemberment. For this open enrollment session and going forward, we are pleased to be able to offer a new maximum of eight times your annual salary to a new max of 600,000. For this year, you can enroll for the first time or increase your life insurance amount by up to one times your annual salary with no evidence of insurability, EOI requirement. Also, new this year is an additional amount of life insurance for your spouse. You can elect up to 150,000 for your spouse coverage. If your spouse is enrolling in life insurance for the first time, they will have to do EOI. If you are submitting evidence of insurability, you will have to wait for that to be approved before coverage will begin. Finally, we have an additional option for your dependent children. They are now eligible for up to 20,000 of life insurance. There is no evidence of insurability requirement for child life insurance. Throughout the past several years, we have added a number of special programs to the plan. We offer Teladoc, which provides virtual visits. Through Teladoc, you have the option of seeing a provider for an urgent issue or scheduling an appointment in the future. If you decide to use Teladoc for mental health visits, you would receive the same mental health provider each visit. We started offering Hinge Health at the end of last year. Hinge Health is virtual physical therapy, both if you've been prescribed by your physician or just to work out a minor issue. We've been offering Surgery Plus for the past several years. They offer bundled billing for non-emergent surgeries. Their bread and butter are musculoskeletal surgeries. However, they can also see you for hernia or hysterectomy. They are also our sole provider of bariatric surgeries. Orosti is our soft tissue rehab provider. They do a combination of physical therapy, muscle manipulation, and kinesthetic taping to help you feel better faster after a soft tissue injury. Hello Heart provides blood pressure cuffs and an app to help you track your blood pressure. You can then provide this information to your doctor on your annual visits to help keep better track of your blood pressure. And new, they now offer cholesterol support as well. Finally, we have Verda, which we introduced two years ago. Verda helps with diabetes support and reversal, as well as weight loss support. Through coaching and diet, they can help you get off your diabetes medications. You can find more information online, including information about meetings, more information about the plans. We will be enrolling online through the Benefits Portal, www.cfwbenefits.com. If you are adding people to the plan who have not been previously covered, you will need to upload proof documents to verify relationship. Remember, your flexible spending elections do not roll over automatically. If you do not participate in the FSA or do not want to participate in 2024, you do not have to do anything and your coverages will roll over automatically. However, if you would like to take advantage of some of our new offerings, such as the increased life insurance or the high vision plan, or you want to enroll in the FSA, you do need to go online and enroll. The Member Portal is at www.cfwbenefits.com. If you've never gone online before, you will need to click register. If you have any questions, you can reach out to the Benefits Office at 817-392-7782 or come in and see us lower level at City Hall.