October 2017

Benefit Press

All rates have been finalized for 2018. As indicated in the previous Benefit Press newsletter, the current rate levels for the health plan are not sufficient to pay for medical claims and administration costs for 2018. The changes for 2018 are summarized below. Medical Plan

Active Rates

2

Retiree Rates

3

Life, Dental, & Vision

4

VSP Info

5

·

Premium rates increase for Active Employees for all medical plan options. 2018 rates are included in this newsletter.

·

Premium rates will increase for retirees for all medical plan options. 2018 rates are included in this newsletter.

·

The health plans base non-par provider reimbursement schedule will move from the 80th percentile to 200% of Medicare allowable. In essence, the program will be locking in medical reimbursement for non contracted medical providers based on Medicare allowed amounts which is more stable over time.

Dental Plan ·

Privacy Notice TeleHealth

6-7 8

Hey everyone…. Flu season is coming… Please remember to get your flu shot. Cigna participants can get the flu shot for free as part of your Wellness Benefit.

Premium rates increase for both active employees and retirees for both the Preventive and Optional dental plans. 2018 rates are included in this newsletter.

The benefit booklets provide full descriptions of the Wyoming Employees’ and Officials’ Group Insurance Program medical, dental, flexible benefits, life and accidental death and dismemberment plans (collectively, the “Plans”), along with information regarding your rights, obligations and benefits under the Plans. Not all recipients of this mailing are eligible for all of the benefits listed here. This “What’s New” section of the Benefit’s Press constitutes a Summary of Material Modifications to the Benefit Booklets for the Plans in effect on Jan. 1, 2017. The changes described in this “What’s New” document are generally effective as of Jan. 1, 2018. Please keep this “What’s New” document with your other State benefit plan materials so that you have up-to-date materials on your benefit plans. Wyoming Employees’ and Officials’ Group Insurance Program retains the right to amend, modify or terminate its benefit plans in any respect and at any time, and neither its benefit plans nor your plan participation will be considered a contract for future employment with your participating entity.

2018 Premium Rates For Active employees and COBRA participants For help calculating your premium rates, please go to:

Coverage Options

Health

Preventive Dental

Active $500 Deductible Employee 934.30 21.82 Employee + Children 1,418.64 48.20 Employee + Spouse 1,881.08 48.20 Family 2,162.86 48.20 Split 1,081.43 24.10 COBRA Employee 952.99 22.26 COBRA Employee + Children 1,447.01 49.16 COBRA Employee + Spouse 1,918.70 49.16 COBRA Family 2,206.12 49.16 Active $900 Deductible Employee 904.98 21.82 Employee + Children 1,374.12 48.20 Employee + Spouse 1,822.04 48.20 Family 2,096.74 48.20 Split 1,048.37 24.10 COBRA Employee 923.08 22.26 COBRA Employee + Children 1,401.60 49.16 COBRA Employee + Spouse 1,858.48 49.16 COBRA Family 2,138.67 49.16 Active $1500 Deductible (High Deductible Health Plan) Employee 845.20 21.82 COBRA Employee 862.10 22.26 Active $3000 Deductible (High Deductible Health Plan) Employee + Children 1,283.37 48.20 Employee + Spouse 1,701.70 48.20 Family 1,962.96 48.20 Split 981.48 24.10 COBRA Employee + Children 1,309.04 49.16 COBRA Employee + Spouse 1,735.73 49.16 COBRA Family 2,002.22 49.16 Active $2000 Deductible Employee 835.43 21.82 Employee + Children 1,268.15 48.20 Employee + Spouse 1,681.52 48.20 Family 1,933.44 48.20 Split 966.72 24.10 COBRA Employee 852.14 22.26 COBRA Employee + Children 1,293.51 49.16 COBRA Employee + Spouse 1,715.15 49.16 COBRA Family 1,972.11 49.16

EGI.WYO.GOV

Optional Dental

Employer Contribution If FULL Match 14.88 833.07 34.88 1,267.18 34.88 1,660.25 34.88 1,899.76 17.44 * 949.88 15.18 35.58 35.58 35.58 14.88 34.88 34.88 34.88 17.44 * 15.18 35.58 35.58 35.58 14.88 15.18

833.07 1,267.18 1,660.25 1,899.76 949.88 833.07 -

34.88 34.88 34.88 17.44 * 35.58 35.58 35.58

1,267.18 1,660.25 1,899.76 949.88 -

14.88 34.88 34.88 34.88 17.44 * 15.18 35.58 35.58 35.58

833.07 1,267.18 1,660.25 1,899.76 949.88 -

*If either employee is an AWEC/TP01/Contract employee, split matches are: Contracted employee = 833.07 Spouse of contracted = 1,066.69

2018 RETIREE Premium Rates (EFFECTIVE 1/1/2018) Coverage Options $900 Deductible (Medicare eligible) Retiree Family Retiree 65+ Children Retiree 65+ Spouse < 65 Retiree 65+ Spouse < 65 w/Dep $900 Deductible (not Medicare eligible) Retiree Retiree + Children Retiree + Spouse Family Retiree < 65 Spouse 65+ Retiree < 65 Spouse 65+ w/Dep

Health

Preventive Dental

Optional Dental

462.73 923.70 931.87 1,365.71 1,640.41

21.82 48.20 48.20 48.20 48.20

14.88 34.88 34.88 34.88 34.88

904.98 1,374.12 1,822.04 2,096.74 1,367.71 1,642.41

21.82 48.20 48.20 48.20 48.20 48.20

14.88 34.88 34.88 34.88 34.88 34.88

WrapAround Medicare (with prescription drug coverage) Retiree

359.82

21.82

14.88

Family

719.65

48.20

34.88

213.76 427.52

21.82 48.20

14.88 34.88

845.20

21.82

14.88

Retiree + Children Retiree + Spouse

1,283.37 1,701.70

48.20 48.20

34.88 34.88

Family

1,962.96

48.20

34.88

Retiree < 65 Spouse 65+

1,334.81

48.20

34.88

Retiree < 65 Spouse 65+ w/Dep

1,648.89

48.20

34.88

Retiree

418.41

21.82

14.88

Family

835.06

48.20

34.88

Retiree 65+ Children

851.13

48.20

34.88

1,251.84 1,503.76

48.20 48.20

34.88 34.88

835.43

21.82

14.88

Retiree + Children

1,268.15

48.20

34.88

Retiree + Spouse

1,681.52

48.20

34.88

Family

1,933.44

48.20

34.88

Retiree < 65 Spouse 65+

1,253.84

48.20

34.88

Retiree < 65 Spouse 65+ w/Dep

1,505.76

48.20

34.88

WrapAround Medicare (no prescription drug coverage) Retiree Family

$1500 Deductible (not Medicare eligible) Retiree

$3000 Deductible (not Medicare eligible)

$2000 Deductible (Medicare eligible)

Retiree 65+ Spouse < 65 Retiree 65+ Spouse < 65 w/Dep

$2000 Deductible (not Medicare eligible) Retiree

Life—Active ACTIVE LIFE RATES AGE GROUP

BENEFIT

AD& D

PREMIUM

Under 39

50,000

20,000

3.14

40 - 44

50,000

20,000

3.40

45 - 49

50,000

20,000

4.92

50 - 54

50,000

20,000

7.36

55 - 59

50,000

20,000

13.41

60 - 64

32,000

13,000

13.04

65 - 69

21,000

9,000

16.31

70 - 74

14,000

6,000

17.55

75 - 79

9,000

4,000

18.27

80 - 84

6,000

3,000

19.72

85 & Over

4,500

2,000

23.96

Life—Retiree RETIREE LIFE RATES

DEPENDENT LIFE RATE AGE GROUP

BENEFIT

AD& D

All

4,000

none

PREMIUM

1.46

Preventive

Optional

Single

$21.82

$14.88

Family

$48.20

$34.88

AGE GROUP

BENEFIT

PREMIUM

Under 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 & over

50,000 50,000 50,000 50,000 50,000 32,000 21,000 4,500

2.95 3.25 4.90 7.50 14.05 13.79 17.41 12.47

Dental

Plan B

Plan C

Employee Only

$6.76

Employee Only

$8.40

Employee + 1

$13.50

Employee + 1

$16.78

Family

$21.74

Family

$27.02

VSP

VSP—Vision Benefit

Description

Your Coverage with a VSP Provider Focuses on your eyes and overWellVision Exall wellness am Every 12 months Prescription Glasses

Frame

Lenses

Lens Enhancements

Contacts (Instead of glasses)

Extra Savings

Copay

$10

Benefit

Description

Copay

Your coverage with a VSP Provider Focuses on your eyes and WellVision overall wellness Exam Every 12 months Prescription Glasses $160 allowance for a wide selection of frames $180 allowance for featured Frame frame brands 20% savings on the amount over your allowance Every 12 months Single vision, line bifocal, and lined trifocal lenses Lenses Polycarbonate lenses for dependent children Every 12 months Standard progressive lenses Premium progressive lenses Lens Encustom progressive lenses hancements Average savings of 20-25% on other lens enhancements. $160 allowance for contacts; Contacts copay does not apply (Instead of Contact lens exam (fitting glasses) and evaluation) Every 12 months

$10

$25 $25 $160 allowance for a wide selection of frames Included in Included in $180 allowance for featured PrescripPrescripframe brands tion Glasstion Glass20% savings on the amount over es es your allowance Every 24 months Single vision, line bifocal, and Included in Included in lined trifocal lenses PrescripPrescripPolycarbonate lenses for detion Glasstion Glasspendent children es es Every 12 months Standard progressive lenses Premium progressive lenses $55 $55 custom progressive lenses $95-$105 $95-$105 Average savings of 20-25% on $150-$175 $150-$175 other lens enhancements. $160 allowance for contacts; copay does not apply Contact lens exam (fitting and Up to $60 Up to $60 evaluation) Every 12 months Glasses and Sunglasses: Extra $20 to spend on featured frame brands. Go to vsp.com/special offers for details. 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam. Retinal Screening No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam Laser vision Correction Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities After surgery, use your frame allowance (if eligible) for sunglasses from any VSP doctor. TruHearing benefits as discussed in the last issue (September 2017) Benefit Press newsletter.

Value and Savings— You’ll enjoy more value and the lowest out-of-pocket costs. High Quality Vision Care—You’ll enjoy the best care from a VSP provider, including a WellVision Exam—The most comprehensive exam designed to detect eye and health conditions. Plus when you see a VSP provider your satisfaction is guaranteed.

Choice of Providers—The decision is yours to make—choose a VSP provider or any out-of-network provider. Out of network have a lesser reimbursement. Great Eyewear—It’s easy to find the perfect frame at a price that fits your budget.

Using your VSP benefit is easy. Register at vsp.com—Once your plan is effective, review your benefit information. Find an eye care provider who’s right for you—To find a VSP provider, visit vsp.com or call 800-877-7195. At your appointment, tell them you have VSP—There’s no ID card necessary. That’s it! We’ll handle the rest—There are no claims forms to complete when you see a VSP provider.

See Plan Rates on Page 4

Revision Effective Date: September 1, 2017

The Employee Meeting scheduled in Laramie on October 25, 2017 is a Wednesday.

Employees’ Group Insurance 2001 Capitol Avenue Room B3 Cheyenne, WY 82002 307-777-6835 800-891-9241 (In Wyoming) egi.wyo.gov

Presorted Standard US Postage Paid Cheyenne, WY Permit No. 7

SIGNING UP IS EASY!

THE CARE YOU NEED—WHEN, WHERE AND HOW YOU NEED IT.

·

Set up and create an account with Amwell and MDLIVE

·

Complete a medical history using their “virtual clipboard”

·

Download vendor apps to your smartphone /mobile device

Introducing Cigna Telehealth Connection Choice is good. More choice is even better. Now Cigna provides access to two telehealth services as part of your medical plan. Amwell and MDLIVE. Cigna Telehealth Connection lets you get the care you need—including most prescriptions for a wide range of minor conditions. Now you can connect with a board-certified doctor via video chat or phone, without leaving your home or office. When, where and how it works best for you! Choose when: Day or night, weekdays, weekends and holidays. Choose where: Home, work or on the go.

CHOOSE WITH CONFIDENCE Amwell and MDLIVE are both quality national telehealth providers, so you can choose your care confidently. When you can’t get to your doctor, Cigna Telehealth Connection is here for you.

Choose how: Phone or video chat. Choose who: Amwell or MDLIVE doctors. Say it’s the middle of the night and your child is sick. Or you’re at work and not feeling well. If you pre-register on both Amwell and MDLIVE, you can speak with a doctor for health with:

Register for one or both today so you’ll be ready to use a telehealth service when and where you need it.

Sore throat

Fever

Rash

AmwellforCigna.com

Headache

Cold & Flu

Acne

855-667-9722

Stomachache

Allergies

UTIs & more

The cost savings are clear… Televisits with Amwell and MDLIVE cost less than going to a convenience or urgent care clinic, and significantly less than going to the emergency room. And the cost of a phone or online visit is the same or less than with your primary care provider. The cost for an Amwell and MDLIVE visit is only $42. Remember, you should only use telehealth service for non-life threatening conditions.

MDLIVEforCigna.com 888-726-3171