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Annual Enrollment
Notable Changes & Highlights
Open enrollment: October 14th through October 28th at 5:00 p.m.
Active Enrollment - ALL full-time employees are required to elect or decline
medical, dental and vision benefits for the upcoming year
New Health, Pharmacy, HSA & FSA Provider – Optima Health & Health Equity
Two health plans instead of three. You will have the option of a Point of Service
(POS) plan with copayments and coinsurance OR a High Deductible Health Plan
(HDHP) with a Health Savings Account (HSA)
Elimination of the premium differential between a non-smoker and smoker
New for 2020!
Optima Health2020 Medical Monthly Premiums
EQUITY HDHP (POS) City Pays Employee Pays City Contribution to HSA
Employee $527.54 $0 $38.00
Employee + 1 Child $836.47 $20.00 $65.00
Employee + Spouse $1,076.19 $40.00 $78.00
Family $1,417.11 $60.00 $112.00
POS Plan City Pays Employee Pays
Employee $529.61 $83.66
Employee + 1 Child $861.69 $133.96
Employee + Spouse $1,114.82 $182.75
Family $1,493.78 $223.36
Introducing Optima Health
Welcome City of Newport News
Introducing Optima Health
Where to Seek Health Care
Your Benefit Plans
Additional Programs for You
What’s Next?
Information and Resources
We improve health every day
500,000 members … and nationalWe’re local…Experienced
Our Vision
Be the health plan of choice in the communities we serve
Introducing Optima Health
Who We Are
• 30,000+ providers
• Riverside Health System
• Sentara CarePlex Hospital
• CHKD
• Chesapeake General
• Bon Secours Mary Immaculate
• TPMG
• And more!
Where to Seek Health Care
Local Health Care Providers
Seeking Care Outside of the
Service Area:
• Retirees
• Out-of-Area Dependents
• Emergency Travel Assistance
Where to Seek Health Care
National Health Care Providers
Point of Service
(POS)
Equity
High Deductible
Health Plan (HDHP)
In & Out of Network
Your cost shareCopayments,
coinsurance
Deductible,
coinsurance
All area health systems
No referrals
Ways to Save FSA HSA
Your Benefit Plans
Plan Choices for City Employees
In-network benefits
POS Equity - HDHP
Deductible $250 / $500 $2,800 / $5,600
Preventive Care No charge No charge
Primary Care $25
0% after deductible
Specialist $45
Urgent Care $45
Emergency Room 20% after deductible
Outpatient Facility 20% after deductible
Lab and X-Ray 20% after deductible
Inpatient 20% after deductible
Out of Pocket Max $3,000 / $6,000 $4,000 / $8,000
Prescription Drug $10 / $30 / $50 / 20% max $200 After deductible: $10 / $30 / $50 / 20% max $200
Mail Order Rx $20 / $60 / $100 / n/a After deductible: $20 / $60 / $100 / n/a
Your Benefit Plans
Plan Choices for City Employees
1. Selected Generic
2. Selected Brand & Other Generic
3. Non-selected Brand
4. Specialty
• Copay vs cost
• Transitioning your prescriptions
• Mail order
• Diabetic supplies
• optimahealth.com
• Open Formulary
• HDHP includes preventive Rx at $0
Your Benefit Plans
Prescription Drug Benefits
• Supporting the city’s wellness programs
• MDLIVE 24/7 virtual visits
• Support for your health
• Employee Assistance Program
• Member discounts
Additional Programs for You
Supporting Your Health and Wellness
• Smart Phone, Tablet or Computer
• Live Video
• Board Certified Doctor
• Cost of $25 for POS
• Cost of $39 for Equity HDHP
Additional Programs for You
Virtual Visits with MDLIVE
What’s Next
Your New ID Card
Coins Coinsurance
OV Office visit
SOV Specialist office visit
ED Emergency Department
UCC Urgent Care Center
DX1 Diagnostic tests
DX2 Advanced Imaging
OP Outpatient Surgery
IP Inpatient
RxDed Prescription Drug Deductible
Ded or Dd Deductible
AD After Deductible
Rx Prescription Drug
CITY OF NEWPORT NEWS
OctoberCheck out the optimahealth.com/nnva site
Attend a meeting and enroll by October 28
November Explore resources to learn about your new plan
DecemberReceive your new member ID card
Confirm any transition of care with your doctor
January Show your new ID card to your doctors
What’s Next
Mark Your Calendars
Information and Resources
Important Contacts for Your Transition
Optima Health City
optimahealth.com/nnva www.nnva.gov/498/Benefits
1-800-229-1199 or 757-552-7110
8 a.m.– 6 p.m.
Monday-Friday
757-926-1850
Information and Resources
Register Online
Information and Resources
Optima Health Mobile App
Schedule MDLIVE virtual visits
View coverage
Access ID cards
View claims
Find providers
Search prescription drug list
Access wellness programs
Point of Service(POS)
Equity High Deductible
Health Plan (HDHP)
Costs at the providerFixed copayments,
coinsuranceHigh deductible,
coinsurance
Per paycheck costs $$ $
Ways to save FSA HSA
FundsUse it or lose it
each yearYours to keep, earns interest
Tax advantaged Pre-tax contributions Pre-tax contributions
Choosing a plan that’s right for you
Y o u r b e n e f i t p l a n s
Winning with an HSA
H e a l t h S a v i n g s A c c o u n t
Save now• Lower monthly insurance premiums• HSA contributions aren’t taxed• Qualified medical expenses are tax-free1
Save for the future• HSA funds roll over year after year• Keep your money even if you change jobs or
insurance plans• Tax-free interest earned• Simple investment options
Same: doctors, network, negotiated discounts
1. HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state's specific rules.
1. HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state's specific rules.
Why choose an HSA?
H e a l t h S a v i n g s A c c o u n t
HSA-qualified plan through insurance
Preventive services covered at 100%
Office visits, prescriptions, deductible, copays and coinsurance ALL count toward your deductible
and out-of-pocket maximum
HSA through HealthEquity
Tax-free1 savings for qualified medical expenses
Works together with the HSA-qualified plan
1. HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state's specific rules.
Two parts: health plan + savings account
H e a l t h S a v i n g s A c c o u n t
How an HSA works
You HSAQualified medical expenses
Qualified medical expenses:Exams, prescriptions, procedures, vision, dental and morevisit HealthEquity.com/QME
How your HSA works
H e a l t h S a v i n g s A c c o u n t
IRS requires that:
• You are covered ONLY by an HSA-qualified health plan
Other health coverage may disqualify you - including Medicare, Tricare, or a traditional health plan
• You do not have access to a full purpose FSA
even through a spouse
• You aren’t claimed as a dependent on anyone’s tax return
It is the member’s responsibility to ensure eligibility requirements as well as if they are eligible for the plan and expenses submitted. One should consult a tax advisor as individual factors and situations vary. See IRS Publication 969 for more details.
Who is eligible to add funds to an HSA?
H e a l t h S a v i n g s A c c o u n t
Powerful tools
- Check your balance
- Review transactions
- Review medical and pharmacy claims
- Submit new claims or documents
- Send payments and reimbursements
- Access tax documents
Powerful tools: Optima Health mobile app
H e a l t h S a v i n g s A c c o u n t
Health Savings Contributions
H e a l t h S a v i n g s A c c o u n t
Contributions over the annual maximum are subject to a 6% penalty. Does not include $1000 catchup if age 55 or older
Variety of Vanguard Funds
Enrollment Auto Notification: Health Equity sends an email confirmation
Type of Coverage 2020 Annual Employee Maximum
2020 Annual City Contribution 2020 Annual Contribution Maximum *
Single $3,094 $ 456 $3,550
Single + 1 Child $6,320 $ 780 $7,100
Single + Spouse $6,164 $ 936 $7,100
Family $5,756 $1,344 $7,100
2020 Maximum Contribution Limits
* IRS maximum reflects a combined employer + employee contribution (2019 Limits: $3,500 for individual, $7,000 for family)
• Significant tax savings
• Convenient payroll contributions
• Easy to use payment options
• Pay for qualified medical expenses or for qualified dependent care
• FSA administrator is Health Equity beginning January 1, 2020
A simple way to save: why choose FSA?
F l e x i b l e S p e n d i n g A c c o u n t s
• Pre-tax payroll contributions
• Can be used to pay for qualified medical expenses
• Entire fund amount available at the beginning of the plan year
• IRS maximum contributions per working person: $2,700
Your Healthcare FSA
F l e x i b l e S p e n d i n g A c c o u n t s
• Pre-tax payroll contributions
• Can be used to pay for qualified dependent care expenses including day care, preschool, elderly care, or other dependent care (see IRS Publication 503)
• Funds available for reimbursement as deposits come into the account
• To qualify, both parents must be working, looking for work, or attend school full-time
• IRS maximum contributions per family: $5,000
Your Dependent care FSA
F l e x i b l e S p e n d i n g A c c o u n t s
• Most FSA funds do not roll over from year-to-year
• You must use all FSA dollars that do not rollover within the plan year or forfeit them
• Grace period through March 15th for Medical FSA only
Use it or lose it feature
F l e x i b l e S p e n d i n g A c c o u n t s
What is Substantiation?
• The IRS requires that FSA funds be used for qualified expenses only
• Substantiation is documentation that an expense is qualified
When is this needed?
• When you run your card and the transaction cannot be auto-substantiated or auto-matched to a claim
How do I substantiate?
• Manually match to a claim on the portal
• Send in an EOB or itemized receipt
Documenting your purchases
F l e x i b l e S p e n d i n g A c c o u n t s
Annual Enrollment
Notable Changes & Highlights
No change in Dental, Vision or Short-term/Long-term Disability Providers
Voluntary Optional Life Insurance can be changed throughout the year -not limited to an
enrollment period. NNERF employees are with Cigna Life Insurance and VRS employees are
with Securian Life Insurance. Remember to update your beneficiary information.
Fitness Center enrollment and changes will not be completed through the open enrollment
portal.(This benefit will roll over if currently elected.)
Employees who wish to enroll or make changes to existing membership tiers,
including cancellations, must visit the fitness centers directly
Single Sign-on Access using MUNIS Employee Self Service
All changes are effective January 1, 2020
Voluntary Dental Benefits
Coverage remains with Delta Dental
No changes to deductibles or co-insurance
PPO+ Premier Premiums
Provider Listing & Mobile App Available at:
www.deltadentalva.com
* Dental cards issued to new enrollees only
Voluntary Dental Benefits
PPO + Premier Employee Pays
Single $8.28
Single + 1 $15.52
Family $25.87
Coverage remains with VSP
No changes to deductibles, co-insurance or premiums
VSP Full Service Optional Coverage
•Free Exam ($60 for contacts)
•$10.00 copay for lenses
•$150.00 allowance for frames or $130.00 allowance for contacts
•$200.00 allowance for enhanced frames
•Lens and frame replacement once every calendar year
City Paid - Exam Only Vision
•No need to enroll
•Annual exam per year (employee only)
$0 Cost
Voluntary Vision Benefits
Vision Employee Pays
Single $8.00
Single + 1 $13.00
Family $23.00
Benefit details provided at www.vsp.com
Voluntary Disability Benefit
NNERF, VRS Plan 1& 2
SHORT TERM DISABILITY (STD)
Purchase 50% coverage
Paper enrollment if new or if cancelling
LONG TERM DISABILITY (LTD)
Employer-provided 40% coverage at no cost
Buy-up additional 10%
Paper enrollment if new or if cancelling
* Rates are based on base annual salary; check mailed by Cigna
*VRS Hybrid employees are not eligible for Cigna STD/LTD coverage.
Voluntary Disability Benefit
VRS HYBRID EMPLOYEES AFTER FIRST YEAR OF EMPLOYMENT
Through The Standard Insurance Co. (Employer-provided)
Automatic enrollment as part of plan membership (not offered during Open Enrollment)
Minimum 60% benefit paid through the normal payroll process
Employees can elect to use accrued leave for the remaining % to receive a full paycheck
VRS Hybrid Disability Benefit
Fitness Center Memberships
JANUARY 1, 2020 – RATES
Fitness Centers OneLife Fitness Center
Riverside Wellness Center
YMCA
Not offered though Open Enrollment
Employees who wish to enroll, make changes to
existing membership tiers, or cancel membership
must visit the fitness centers directly. No action is needed for employees who wish to
continue their current fitness center payroll
deduction for 2020.
Fitness Center Memberships
YMCA Employee Pays
Employee/Spouse Only $30.00
Employee + Spouse $50.00
Employee+ Children $53.00
Family $58.00
One Life Fitness Employee Pays
Employee/Spouse Only $25.00
Employee + Spouse $50.00
Employee+ Child $50.00
Employee + Spouse + Child $75.00
Employee + Spouse + Children $89.00
Riverside Wellness
& Fitness CenterEmployee Pays
Employee/Spouse Only $28.00
Employee + Spouse $56.00
One Adult + Children $51.00
Family$28.00 per Adult and
$23.00 per Child
Voluntary Whole Life Insurance
Benefit Enrollment
EFP Case Manager
• Life Insurance Partner
• Offering ELOP – Employee Life Option Plus
Boston Mutual
Life Insurance Company
Employee Life
Option Plus (ELOP)
• Permanent, interest-sensitive
life insurance
• Maximum issue age of 70
(employee & spouse)
• Spouse coverage (available to
covered employees’ spouse only)
• Flexible optional benefits
• Guaranteed Issue (GI) for
employees – no health or medical
questions necessary to enroll*
* If coverage is waived during this Special Enrollment period, any subsequent enrollments
may require Evidence of Insurability (EOI)
• Guaranteed Portability –Continued coverage with retirement or separation of employment
• Direct Pay
• Paid up policy
• Cash in policy for accumulated cash value
Face to Face Consultations:
www.efpnow.com/newportnews
Telephonic Consultations:
EFP Benefit Service Center
(855) 749-7460
Monday through Friday
8 a.m. to 7 p.m.*
*Monday, October 28, 2019, 8 a.m. to 5p.m.
Voluntary Whole Life Insurance Benefit Enrollment:
• October 14 - 28, 2019
*Monday, October 28 - 8 a.m. to 5 p.m.
Benefit Education & Support
New Employee Perk
2020 Open Enrollment is
October 14th – 28th
2020 Employee Enrollment Forums
City Hall – City Council Chambers Information Sessions: 8:30AM, 1:00PM & 6:00PM
Tuesday – 10/1/2019
Public Works Stormwater/Wastewater Annex Information Sessions: 7:00AM & 9:00AM
Wednesday – 10/2/2019
Rouse Towers – 9th Floor Conference Room Information Sessions: 8:30AM & 1:00PM
Thursday – 10/3/2019
City Center – James Room Information Sessions: 8:30AM, 1:00PM & 6:00PM
Monday – 10/7/2019
Police Headquarters Information Session: 8:30AM
Wednesday – 10/9/2019
Waterworks – Lee Hall Operations Center Information Sessions: 7:00AM & 9:00AM
Thursday – 10/10/2019
Open enrollment will be held from October 14 through October 28
(All enrollment elections must be completed and finalized no later than Monday, October 28,
2019 at 5pm)
Munis Employee Self Service – Open Enrollment: https://apps.nnva.gov/mss
Active Directory Single Sign-on Access
Active Enrollment
ALL full-time employees are required to select or decline medical, dental and vision
benefits for the upcoming year
New and existing HSA, FSA Medical and FSA Dependent Care participants must make an
election for 2020; current deductions will not carry forward
2020 Annual Enrollment
Plan elections are binding for the 2020 plan year, unless you experience a qualifying life event:
Marriage
Birth/adoption
Divorce
Death
Change in employment status
Change in dependent status
If you are enrolling a new dependent for 2020, proper documentation must be provided no
later than November 30, 2019 (copy of marriage license, birth certificates)
Life event changes allow you to make benefit election changes
The Department of Human Resources Benefits Division must be notified within 31 days of life
event change
2020 Annual Enrollment
Benefits Website: https://www.nnva.gov/1688/Open-Enrollment-Information
Important Open Enrollment Information
Open Enrollment Presentation (coming soon)
Optima Health Enrollment Information
Employee Benefit Guide
Employee Benefits Rate Sheet
Step by Step Instructions enrolling with MUNIS Self Service
Short Term and Long Term Disability Information
2020 Annual Enrollment
Resources
Department of Human Resources
Benefits Division
700 Town Center Drive, Suite 200
Newport News, VA 23606
Office: (757) 926-1850
Fax: (757) 926-1825
Q&A
