 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 9 and end October 27, 2023. If you are making no changes for 2024, you do not need to do anything. All your coverages will carry over exactly as they are. We will be using our online system, cfwbenefits.com, to enroll. The enrollment deadline for all plans is October 27 at 11.59 p.m. I do not recommend you wait until the last possible minute as the window will close at 11.59 p.m. 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 retiree-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 a light. You may remember we had Compass several years ago. They had changed their name to Alight and we are returning to them for our health care concierge in 2024. 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 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 Hugley providers. We now have Patricia Benavides-Nyep working at Hugley. We moved from the Moncree location in June of 2023 and the downtown Fort Worth Health Center is now called Magnolia and is located at 1320 Hemphill 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 a cross 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 Alight. You may or may not remember that we had Compass three years ago and they had changed their name from Compass to Alight. 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. 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 a hernia or hysterectomy. They are also our sole provider of bariatric surgeries. Erosti 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. 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's 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 Insight Network. If you or your covered spouse will be turning 65 in 2024 and be eligible for Medicare, please call the Social Security Office about three months prior to your 65th birthday month to enroll in Parts A and B. Once you receive your card, please send it to the Benefits Office to enroll in the city's Medicare Advantage Plan. If you were hired before 1986 and only ever worked for the city, you may not be eligible for Medicare on your own. Please contact the Benefits Office and we can walk through an application to get you enrolled in the Medicare Plan. As a retiree, if you do not enroll into Part B when you reach age 65, you will be charged a 10% penalty by Social Security. 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 your dental and or vision plan who have not been previously covered, you will need to upload proof documents to verify relationship. The Member Portal is at www.cfwbenefits.com. If you've never gone online before, you would 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.