 Hello, and welcome to the Open Enrollment 2024. The purpose of this presentation is to discuss the benefits offered through the City. During this Open Enrollment period, you can make changes to your benefits, including medical, dental, and vision coverage. Open Enrollment will begin October 9 and will end October 27, 2023. First and foremost, if you are making no changes for 2024, you do not have to do anything. Your coverage will carry over to 2024. You will be receiving a new Medicare Advantage card from Aetna. When you receive the new card, please throw away the old one. The City released an RFP for our Medicare Advantage plan in 2023, and Aetna was selected as our Medicare Advantage plan provider again. With that, we have some plan enhancements I will review on the next slide. You do not have to do anything to retain your Medicare Advantage plan. Your coverage will carry over automatically. With the RFP, we also receive premium reductions. If you have a spouse on the plan, are a surviving spouse, or retired with fewer than 25 years of service, you will see a premium reduction in 2024. We have also made arrangements with the City's three primary health centers to allow you to continue using them if you were previously a patient there. We heard some of you say that you like the health centers and were able to work with THR to allow you to continue being a patient there. However, if you go to a health center, it won't be covered at 100% as it was on the health center plan. You would still pay your 5% co-insurance. We are offering a new high option for the vision plan for 2024, and there is a slight rate increase to the low vision plan option. The dental plans and rates are staying the same. With the RFP, we receive some enhancements to your Medicare Advantage plan. First, as I mentioned, the rates went down. The new rate for retiree plus spouse coverage for those with 25 years of service will be $136.17 per month. We've added a preventive dental benefit reimbursement of up to $750 per year, and we've added an over-the-counter reimbursement of $30 quarterly. What that means is you can submit your receipts for your over-the-counter medications, such as aspirin or cold medication, and receive up to $30 per quarter back. The city's Medicare Advantage plan gives you one card for all your medical needs. You use that same card at the doctor's office or pharmacy, and the Advantage plan wraps around your Medicare Parts A and B. The Medicare Advantage plan you are on is the Aetna Medicare Advantage Preferred Provider Organization with an extended service area. This gives you nationwide access to providers whether or not your doctor is in the Aetna network. You don't have to get referrals, and you are covered when traveling in the U.S. If your doctor is eligible to receive Medicare and willing to accept your plan, you can keep seeing your doctor. As long as your doctor is willing to accept the plan, your costs are the same whether you go in or out of Aetna's network. If you want to be sure that your doctor accepts the plan, the easiest method is to call your doctor. Otherwise, you can call Aetna directly at 888-267-2637, Monday through Friday, 8 a.m. to 6 p.m. Or check at TheMedicare.com. With the Medicare Advantage plan, there is no deductible, and the Advantage plan covers the standard Part A deductible. The out-of-pocket maximum is $1,000. Preventive services such as your annual checkup and eye or hearing exam or mammogram are covered at 100%. There is a 5% co-insurance at the doctor's office. What that means is if the doctor's rate is $100 for a visit, your responsibility is $5 until you meet that out-of-pocket max. There is an inpatient hospital co-payment of $250 per stay and a 5% co-insurance for out-patient surgery. But once you reach the $1,000 out-of-pocket max, you don't pay for anything else on the medical side. The Medicare Advantage plan also has a prescription drug program. There are 65,000 pharmacies nationwide, and you can sign up for mail order for your medications if you would prefer. There is a $100 deductible, and then your medications are covered on a co-payment basis, with $10 for generic, $30 for preferred brand name, and $50 for non-preferred brand name medications. We also cover the donut hole that you often may hear about. Our Medicare Advantage plan does offer a healthy home visit, and you may get called about this. You are not required to have a healthy home visit if you do not wish to, but it can be helpful because a healthcare professional comes to you and can do a well-being assessment, review your medications with you, and do a home safety check. They can help you find referrals to support programs you may be eligible for. Our Medicare Advantage plan does have some special features for our members. We offer Silver Sneakers, which gives you an opportunity for free or low-cost gyms and group exercise classes. Silver Sneakers gives you an opportunity to connect with people online. We also have a vision and hearing benefit through our Aetna Medicare Advantage plan. The vision benefit provides up to $200 eyewear reimbursement every 24 months, and the hearing aid reimbursement is up to $2,000 every 36 months. You can always call Aetna if you have any questions at 888-267-2637. You may receive calls or letters from other Medicare Advantage providers such as Humana, Care and Care, or AARP. Please note that if you enroll in one of these other plans and it has a Part D plan attached, you will be dropped off the city's plan and we will have to work with you to get you back on our plan. There are a lot of supplement plans who may call you and try to get you to switch. If you find a better plan and want to switch, that's fine, but you are not eligible to return to the city's plan in the future, so think carefully before you enroll in an external Medicare supplement plan outside the city. The city does offer a separate vision plan for those of you on our Medicare Advantage plan. Keep in mind Medicare covers an eye exam annually and provides a $200 reimbursement every 24 months for hardware. We do have an exciting new offering from IMED for 2024. We are now able to offer a high and low vision plan. On the high plan, there's a slightly better contact lens and frame allowance, as well as lower copayments for progressive lenses. In addition to the new high option, IMED is offering a better benefit if you go to a plus provider. You can identify plus providers when searching for a doctor online. Primarily, plus providers will be chain providers such as Target, Optical or Lenscrafter. When searching for providers, we are the insight network. We still offer the same dental options. We have the DPPO plan and the high and low option. On both options, preventive services are covered at 100% and have a $50 deductible per person. The annual maximum, which on dental is the maximum the dental insurance will pay, is $1,000 on the low option and $2,000 on the high. Basic restorative care, that's things like your cavities and simple extractions, are covered at 80% on the high option and 50% on the low. Major care, bridges, crowns, inlays, onlays, are covered 50-50 on both plans. Both plans cover orthodontia and implants. There is a lifetime maximum on orthodontia for the low and high option. On the low option, it is $1,000. On the high option, it is $1,500. We also still offer the DHMO plan. This plan has no deductible or annual maximum. You can get all the dental work done that you need, however, there is a very limited network and you must choose a primary care dentist. Everything is paid out on a copayment basis, so you know walking into the dentist's office how much those copayments are. The plan does cover orthodontia for adults and children, but it does not cover implants. As retirees, you are eligible for some aspects of the wellness program. The wellness office is there to support your whole well-being. They offer exercise classes, workshops, seminars, and webinars, as well as special events such as periodic blood drives and the heart walk. As retirees, you do have access to our discount site, Beneplace. Beneplace offers discounts such as car rental, hotels, movie tickets, big ticket items, like a new computer. You can go to www.beneplace.com forward slash C-O-F-W to see these discounts. For help, you can go to the city's benefit webpage www.fortworthtexas.gov forward slash departments forward slash HR forward slash employees forward slash open enrollment. That's where you can find links to plan design information as well as open enrollment meeting dates. Our online enrollment tool is at cfwbenefits.com. If you are a first-time user, you would register at the bottom of the page. This is also where you would initiate a life event if something changed in your family like you wanted to add your new spouse to dental or vision. Remember, you cannot add new dependents to the medical plan. The website is cfwbenefits.com. There you can make your changes and upload proof documents. We also have a kiosk in the benefits office, the north side of City Hall, lower level. But remember, if you are not making any changes for 2024, your coverage will carry over and you do not have to do anything. If you have any questions, please do not hesitate to give us a call. We can be reached at 817-392-7782 or email at benefits at fortworthtexas.gov. Thank you for listening and have a wonderful rest of your day.