2019 EMPLOYEE BENEFITS SUMMARY - 2019 EMPLOYEE BENEFITS SUMMARY - City of Alpharetta
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2019 ‐ EMPLOYEE BENEFITS SUMMARY
EMPLOYEE
BENEFITS
SUMMARY
2019
CITY OF ALPHARETTA, GA
2 Park Plaza – Alpharetta, GA 30009
www.alpharetta.ga.us
1
2019 ‐ EMPLOYEE BENEFITS SUMMARY
Full-Time Employees
Regular Part‐Time employees working between 30+ hours per week.
Medical, Dental and Vision
Medical: 2 High Deductible Health Plan (HDHP) options Employee Assistance Program (EAP)
(HRA and HSA) with lower monthly costs. Dental: no 24/7 assistance. 6 confidential counseling sessions per issue
deductibles. Coverage includes preventive, basic, major for employee and/or family member.
restorative, and child orthodontia. Vision: eye care and
eyewear (contacts, lenses and frames). Laser correction
procedures. FSA: Medical and dependent care.
Group Term Life Insurance and AD&D
Employee: 3.5 x annual base pay up to annual maximum.
Spouse: $5,000. Child: $2,500. Premiums paid 100% by the
Retirement Health City.
Medical Coverage: retirees (age 55+ and 10+ yrs. of service)
may continue individual coverage up until Medicare
eligibility at age 65. Medical Reimbursement: retirees (age Disability Insurance
55+ and 15+ yrs. of service) receive a monthly Short‐Term Disability: 66.67% of base pay after 14 days of
reimbursement (2% of annual base pay). disability. Long‐Term Disability: 60% of base pay after 26
weeks of disability. Premiums paid 100% by the City.
Retirement
Defined Contributions 401(a): City contributes 10% of Paid Time Off (PTO)
employee’s annual base pay. Vested benefit accrued at 20% PTO is provided for rest, recreation, illness and family
a year, with full vesting after 5 years of service. Deferred needs. Hours are accrued on the first day of each month.
Compensation (457) and Matching Contributions:
employees may elect to participate at any time. After 1 year Years of 37 hrs. 40 hrs. Fire Shift
Service workweek workweek Personnel
of continuous employment, City matches employee’s
0.0 ‐ 1.0 yrs. 7.4 hrs. 8 hrs. 10.6 hrs.
contributions, up to 5%.
1.1 ‐ 5.0 yrs. 11.1 hrs. 12 hrs. 15.9 hrs.
5.1 ‐ 10.0 yrs. 14.8 hrs. 16 hrs. 21.2 hrs.
Paid Holidays 10.1 + yrs. 16.6 hrs. 18 hrs. 23.8 hrs.
10 City Holidays: 9 full‐days and one‐half day. 1 Personal
Holiday: eligible if employed prior Jan. 1st. Additional Amazing Benefits
EMPLOYER OF CHOICE. Great work atmosphere.
Georgia College Savings (529) 100% discount on City Recreation & Arts Programs
Employees can opt to participate in this state‐sponsored, FREE Wellness Program and Annual Flu Shots
tax‐advantaged college savings plan. Direct Deposit
Employee Recognition and Service Awards
Tuition Reimbursement Bereavement Leave
After 1 year of employment, employees may receive tuition PTO Sell Back Days
reimbursement up to $3,000 annually. Reimbursement is
based on prior approval, course grades, and annual Benefits are subject to change at any time and based upon funding
and approval by City Council. Eligibility, coverage, exclusions and
program funding.
limitations may apply. For specific information please refer to the
City’s Employee Health Benefits Summary, Employee Handbook, or
Click here: City’s Complete Health Benefits Summary. contact Finance Department ‐ Benefits Division.
2
2019 ‐ EMPLOYEE BENEFITS SUMMARY
Part-Time Employees
Regular Part‐Time employees working between 20‐29 hours per week.
Retirement Paid Time Off (PTO)
Deferred Compensation (457) and Matching PTO is provided for rest, recreation, illness and family
Contributions: employees may elect to participate at any needs. Hours are accrued on the first day of each month.
time. Upon completion of 3 years of continuous
employment, the City will match employee’s contributions, Years of Service 20‐29 hrs.
workweek
up to 5% of pay.
0.0 ‐ 1.0 yrs. 4 hrs.
1.1 ‐ 5.0 yrs. 6 hrs.
Paid Holidays 5.1 ‐ 10.0 yrs. 8 hrs.
10 City Holidays: 9 full‐days and one‐half day. 1 Personal 10.1 + yrs. 9 hrs.
Holiday: eligible if employed prior Jan. 1st.
Additional Amazing Benefits
Tuition Reimbursement EMPLOYER OF CHOICE. Great work atmosphere.
After 1 year of employment, employees may receive tuition 100% discount on City Recreation & Arts Programs
reimbursement up to $1,000 annually. Reimbursement is FREE Wellness Program and Annual Flu Shots
based on prior approval, course grades, and annual Direct Deposit
program funding. Employee Recognition and Service Awards
Bereavement Leave
Employee Assistance Program (EAP) PTO Sell Back Days
24/7 assistance. 6 confidential counseling sessions per issue
for employee and/or family member.
Benefits are subject to change at any time and based upon funding
and approval by City Council through the annual budget process.
Eligibility, coverage, exclusions and limitations may apply. For specific
information please contact Finance Department ‐ Benefits Division.
3
Employee Health Benefits Summary
Plan Year: July 1, 2019 – June 30, 2020
City of Alpharetta
Prepared by: Relation Insurance
1
Benefits Eligibility
Employees Changes can only be made yearly at Open
Enrollment unless you have a qualifying life
Full-Time (30+ hours/week) event:
First of the month following 30 days Marriage, divorce, legal separation
Birth or adoption
Dependents
Change in your work status (or your spouse’s
Your legal spouse work status) that affects your benefits
Dependent children up to age 26, regardless Change in eligibility for you or a dependent
of marital or student status for Medicaid or Medicare
• Medical, Dental, and Vision
• Dependent child may remain on plan Please contact Betty-Ann Busby or Kimberly
until December 31st of the year they Hannah in the Finance Department within 30
turn 26. days of the qualifying event.
Unmarried dependent children 14 days up to
age 19 (or 26 if full-time student)
• Life
Unmarried children of any age who are
totally disabled.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 3
Benefit Overview Effective July 1, 2019
2018-2019 Benefits
Notes:
Cigna HSA (Option 1)
Medical Contributory
Cigna HRA (Option 2) The Basic Life Max has
Cigna increased this year from
Dental Contributory $650,000 to $750,000.
(Progressive Maximum Enhancement)
Vision Contributory EyeMed Voluntary AD&D has
Cigna been added for this
Employee Benefit: 3.5 x Salary up to $750,000 year.
(Benefit Reduction Begins at Age 70)
Basic Life & AD&D Employer Paid The Medical FSA Max
Spouse Benefit: $5,000 Flat Amount
Child Benefit: $500 Flat Amount (Birth – 6 Months) / has improved this year
$2,500 Flat Amount (6 Months – 19 Years / 26 Years if Student) from $2,600 to $2,650.
Cigna Aflac has added a Dental
Employee: Increments of 10k to 500k or 5x Salary (Guarantee Issue 100k) option for this year.
Voluntary Life & AD&D Employee Paid Spouse: Increments of 5k to 100% of EE amount to 250k (GI 30k)
Child: 10k Flat Benefit
Voluntary AD&D: Matching Voluntary Life Benefit
Voluntary Whole / Term Life Employee Paid Cincinnati Life
Cigna
STD: 67% up to $2,500 per week
Disability Employer Paid
14 Day Waiting Period for Accident / Sickness
LTD: 60% up to $10,000 per month
Admin America
Medical Flexible Spending Employee Paid $2,700 Medical FSA Max
(Not an option if you elect the HSA)
Dependent Care Admin America
Employee Paid
Flexible Spending $5,000 Dependent Care Max
Aflac
Worksite Benefits Employee Paid
City of Alpharetta 2019-2020 Open Enrollment Accident,
Presentation / 4 Cancer, Hospital, Critical Care, Critical Illness, Dental
2019 – 2020 Medical, Dental, & Vision Costs
Employees City of Alpharetta
Annual Contribution Annual Contribution
Medical* $601,785 $7,506,813
Dental $56,399 $466,343
Vision $20,852 $36,100
Total $679,036 $8,009,256
Cost Sharing % 8% 92%
*Medical costs include City’s cost of HRA and HSA fund dollars.
Plan Year 2018/2019 – 9% EE / 91% City
Plan Year 2017/2018 – 9% EE / 91% City
Plan Year 2016/2017 – 10% EE / 90% City Local Municipality Average:
Plan Year 2015/2016 – 10% EE / 90% City 13% EE / 87% City
(excluding Wellness)
Plan Year 2014/2015 – 11% EE / 89% City
Plan Year 2013/2014 – 11% EE / 89% City
In addition to these shared costs, the City of Alpharetta provides Basic Life and AD&D,
Short-Term Disability, and Long-Term Disability at no cost to the employee.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 52019-2020 Rates
BI-WEEKLY MEDICAL BENEFIT COSTS
HSA HRA
Medical EE + EE +
EE Only EE + SP Family EE Only EE + SP Family
CH(N) CH(N)
Non-Participatory +
Tobacco User Not Engaged $110.24 $148.53 $142.44 $174.27 $130.59 $194.29 $186.88 $243.69
in Cessation Program
Non-Participatory $65.24 $103.53 $97.44 $129.27 $85.59 $149.29 $141.88 $198.69
Participatory + Not Engaged $60.24 $98.53 $92.44 $124.27 $80.59 $144.29 $136.88 $193.69
Participatory + Fully Engaged $15.24 $53.53 $47.44 $79.27 $35.59 $99.29 $91.88 $148.69
Scenarios that fall under the Participatory + Not Engaged Rates:
• If you and/or your covered dependents participate in the screening with CHP but
NOT the coaching.
• If you and/or your covered dependents participate in the screening with CHP, use
tobacco AND are NOT engaged in a coaching and/or cessation program.
• If you do not engage in the program the previous year (engagement discounts for
each year are earned the previous year).
Bi-Weekly Dental and Vision Rates
EE Only EE + Spouse EE + Child(ren) Family
Dental $2.45 $5.54 $5.54 $6.53
Vision $1.00 $1.50 $1.50 $3.00
City of Alpharetta 2019-2020 Open Enrollment Presentation / 7Medical: Deductible and Out-of-Pocket Max Accumulation
For Both the HRA and HSA Plans:
Deductible
In-network covered expenses count
toward your in-network deductible.
Out-of-network covered expenses count
toward both your in-network and out-of-
network deductibles.
Two Options for Medical Insurance Out of Pocket
Effective July 1, 2019 In-network covered expenses count
toward your in-network out-of-pocket
Health Savings Account (HSA) maximum.
And Out-of-network covered expenses count
Health Reimbursement Arrangement (HRA) toward both your in-network and out-of-
network maximums.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 9Medical – HSA Plan Highlights
Cigna In-Network Out-of-Network
$1,000 (Employee Only)
City Contribution to HSA Account
$1,750 (Employee + Spouse / Employee + Child(ren))
(100% Owned By Employee)
$2,000 (Employee + Family)
Collective Family Deductible – All family members contribute to Family Deductible
Plan Year Deductible $2,500 / $5,000 $5,000 / $10,000
Out-of-Pocket Maximum $3,000 / $6,000 $7,500 / $22,500
(After Out-of-Pocket has been hit, Cigna will pay (After Out-of-Pocket has been hit, Cigna will pay
(Includes Deductible)
100% of eligible in-network medical costs.) 100% of eligible out-of-network medical costs.)
Co-insurance 10% After Deductible 40% After Deductible
(The portion of covered expenses you are (Cigna pays 90% of eligible medical costs after the (Cigna pays 60% of eligible medical costs after
responsible for up to Out-of-Pocket Max) in-network deductible has been met.) the out-of-network deductible has been met.)
Preventive Care (member responsibility) 0% (No Deductible) 30% After Deductible
Prescription Drugs* Generic - Member pays 30% up to $15 cap after deductible
(Employee pays the Negotiated Price for RX before Brand – Member pays 40% up to $60 cap after deductible
the deductible and then the RX Drug Cap copays
after the deductible) Non-Formulary – Member pays 40% up to $90 cap after deductible
Generic - Member pays 20% up to $30 cap after deductible
Mail Order Drugs/Rx90 Now Brand – Member pays 30% up to $120 cap after deductible
Non-Formulary – Member pays 40% up to $180 cap after deductible
*Patient requests brand drug, patient pays the generic coinsurance (30%) plus the cost difference between the brand and generic drug up to the cost of
the brand drug.
The Family Deductible is non-embedded. This means that all eligible family members contribute towards the family plan deductible. Once the family
deductible has been met, the plan will pay each eligible family member’s covered expenses based on the coinsurance level specified by the plan.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 10Benefits of the HSA
Portability – You keep the money in the account.
• Change jobs, retire, or become unemployed
Tax savings – Your HSA provides triple tax savings
• Contributions to your account are pre-tax
• Investment Earnings are tax-free
• Withdrawals for qualified medical expenses are tax free
Unused HSA funds roll over year over year
• There is no limit on the total amount you can have in your HSA
Flexibility – You decide how to use the money; save to invest or spend on
healthcare expenses
• Qualified medical expenses prior to age 65
• After age 65, you can withdraw the funds without penalty (ordinary income
taxes will apply for withdrawals made for non-qualified medical expenses)
Balance can grow – Through investment earnings
• You can pursue many different investment options
Help pay for family members’ medical expenses
• As long as they are a tax-dependent listed on your IRS filing
City of Alpharetta 2019-2020 Open Enrollment Presentation / 11How an HSA Works
Max Employee
HSA Contribution Deductible Responsibility Health Plan
$1,000 EE (in Network) Coverage
$1,750 EE + SP / EE + CH(N) $1,500 EE 90% In-Network
$2,000 EE + Family $3,250 EE + SP / EE + CH(N)
Medical Plan $3,000 EE + Family
Annual Deductible Full contribution made Limited financial Same covered services
by City for Employee exposure for employee as traditional plan.
100% coverage for HSA available July 5th! in-network.
preventive care and Once deductible is met,
HSA owned by the Collective family employee/family will
select preventive
employee (portable). deductible. have 90% coverage in-
generic Rx in- network.
network You may add additional Simple plan design.
pre-tax money to the Prescription coinsurance
account, up to the IRS counts towards
maximum. Deductible.
Health Savings Account For 2019, you can contribute up to the IRS maximum* of:
You own the account $3,500 for Employee Only coverage
• $1,000 City contribution + $2,500 employee contribution
Triple-tax benefits
$7,000 for Employee + Spouse / Employee + Child(ren) Coverage
Save or use funds on
• $1,750 City Contribution + $5,250 employee contribution
medical type services
$7,000 for Employee + Family Coverage
prior to age 65
• $2,000 City Contribution + $5,000 employee contribution
Funds roll over
Age 55 and older, “catch-up” contributions of $1,000.
Start and Stop Start and Stop Contributions at any time.
contributions
*Consult your accountant or tax advisor with any questions regarding HSA contributions.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 12Medical – HRA Plan Highlights
Cigna In-Network Out-of-Network
$750 (EE Only)
City HRA Fund $1,250 (EE + SP / EE + CH(N))
$1,500 (EE + Family)
Collective Family Deductible – All family members contribute to Family Deductible.
Plan Year Deductible $2,500 / $5,000 $5,000 / $10,000
Out-of-Pocket Maximum $3,000 / $6,000 $7,500 / $22,500
(After Out-of-Pocket has been hit, Cigna will pay (After Out-of-Pocket as been hit, Cigna will pay
(Includes Deductible)
100% of eligible in-network medical costs.) 100% of eligible out-of-network medical costs.)
Co-insurance 10% After Deductible 40% After Deductible
(The portion of covered expenses you are (Cigna pays 90% of eligible medical costs after the (Cigna pays 60% of eligible medical costs after the
responsible for up to Out-of-Pocket Max) in-network deductible has been met.) out-of-network deductible has been met.)
Preventive Care (member responsibility) 0% (No Deductible) 30% After Deductible
Prescription Drugs* Generic - Member pays 30% up to $15 cap
(Does not count toward Deductible but does count Brand – Member pays 40% up to $60 cap
toward Out-of-Pocket Max) Non-Formulary – Member pays 40% up to $90 cap
Generic - Member pays 20% up to $30 cap
Mail Order Drugs/Rx90 Now Brand – Member pays 30% up to $120 cap
Non-Formulary – Member pays 40% up to $180 cap
*Patient requests brand drug, patient pays the generic coinsurance (30%) plus the cost difference between the brand and generic drug up to the cost of
the brand drug.
The Family Deductible is non-embedded. This means that all eligible family members contribute towards the family plan deductible. Once the family
deductible has been met, the plan will pay each eligible family member’s covered expenses based on the coinsurance level specified by the plan.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 15How an HRA Works
HRA Fund Maximum Employee
Deductible Responsibility Health Plan
$750 Single
(in Network) Coverage
$1,250 EE + SP / EE + CH(N)
$1,750 EE 90% In-Network
$1,500 EE + Family
$3,750 EE + SP / EE + CH(N)
$3,500 EE + Family
City funds HRA account Limited financial exposure Same covered services as
for employee. for employee in-network. traditional plan.
First dollar coverage! Collective family Once deductible is met,
deductible. EE/Family will have 90%
HRA is owned by the City
coverage in-network.
(It’s not portable).
Prescription drugs copays
Unused funds roll over
count towards Out-of-
• EE Max: $2,500 Pocket Max.
• Deps. Max: $5,000
City of Alpharetta 2019-2020 Open Enrollment Presentation / 16HRA vs. HSA – Employee Only Cost Comparison
Employee Only (Non-Tobacco & Engaged User). Assume In-Network Only.
HRA – Best Case Scenario HSA – Best Case Scenario
Premium ($35.59 bi-weekly) $925 Premium ($15.24 bi-weekly) $396
Sick Visit (0 X $100)* $0 Sick Visit (0 X $100)* $0
Preventive Visit (1) FREE! Preventive Visit (1) FREE!
Specialist Visit (0 X $250)* $0 Specialist Visit (0 X $250)* $0
Hospitalization (0 X $5,000)* $0 Hospitalization (0 X $5,000)* $0
Rx (1 Generic Preventive Drug x 12 Months) FREE! Rx (1 Generic Preventive Drug x 12 Months) FREE!
HRA Fund (Fund not needed in scenario) ($0) HSA City Contribution ($1,000)
Total Out of Pocket Expenses $925 Total Out of Pocket Expenses ($604)
HRA – Worst Case Scenario HSA – Worst Case Scenario
Premium ($35.59 bi-weekly) $925 Premium ($15.24 bi-weekly) $396
Sick Visit (4 X $100)* $400 Sick Visit (4 X $100)^ $400
Preventive Visit (1) FREE! Preventive Visit (1) FREE!
Specialist Visit (4 X $250)* $1,000 Specialist Visit (4 X $250)^ $1,000
$1,100 deductible + $1,100 deductible +
Hospitalization (1 X $5,000)* $390 coinsurance Hospitalization (1 X $5,000)^ $390 coinsurance
(met $2,500 deductible) (met $2,500 deductible)
$110 Rx (1 Tier 1 Drug + x 1 Tier 3 Drug x 12 $110
Rx (2 Tier 1 Drugs x 12 Months)
(met $3,000 OOP Max) Months)^ (met $3,000 OOP Max)
HRA Fund ($750) HSA City Contribution ($1,000)
Total Out of Pocket Expenses $3,175 Total Out of Pocket Expenses $2,396
^ Can be taken out of HSA pre-tax. *All provider charges are
City of Alpharetta 2019-2020 Open Enrollment Presentation / 17 averages and assume in-network pricing discounts.
Prices will vary by provider and service. Drugs based on average.HRA vs. HSA – Family Cost Comparison
Family (Non-Tobacco & Engaged User). Assume In-Network Only.
HRA – Best Case Scenario HSA – Best Case Scenario
Premium ($148.69 bi-weekly) $3,866 Premium ($79.27 bi-weekly) $2,061
Sick Visit (0 X $100)* $0 Sick Visit (0 X $100)* $0
Preventive Visit (3) FREE! Preventive Visit (3) FREE!
Specialist Visit (0 X $250)* $0 Specialist Visit (0 X $250)* $0
Hospitalization (0 X $5,000)* $0 Hospitalization (0 X $5,000)* $0
Rx (1 Generic Preventive x 3 Members x 12 Months) FREE! Rx (1 Generic Preventive Drug x 3 Members x 12 Months) FREE!
HRA Fund (Fund not needed in scenario) ($0) HSA City Contribution ($2,000)
Total Out of Pocket Expenses $3,866 Total Out of Pocket Expenses $61
HRA – Worst Case Scenario HSA – Worst Case Scenario
Premium ($148.69 bi-weekly) $3,866 Premium ($79.27 bi-weekly) $2,061
Sick Visit (8 X $100)* $800 Sick Visit (8 X $100)^ $800
Preventive Visit (3) FREE! Preventive Visit (3) FREE!
Specialist Visit (8 X $250)* $2,000 Specialist Visit (8 X $250)^ $2,000
$2,200 deductible + $2,200 deductible +
Hospitalization (2 X $5,000)* $780 coinsurance Hospitalization (2 X $5,000)^ $780 coinsurance
(met $5,000 deductible) (met $5,000 deductible)
Rx (1 Tier 1 x 3 Members x 12 $220 Rx (Tier 1 Drug x 3 Members $220
Months) (met $6,000 OOP Max) X 12 Months)^ (met $6,000 OOP Max)
HRA Fund ($1,500) HSA City Contribution ($2,000)
Total Out of Pocket Expenses $8,366 Total Out of Pocket Expenses $6,061
^ Can be taken out of HSA pre-tax. *All provider charges are
City of Alpharetta 2019-2020 Open Enrollment Presentation / 18 averages and assume in-network pricing discounts.
Prices will vary by provider and service. Drugs based on average.Wellness Program (CHP)
The City sponsors a wellness program administered by CHP (Corporate Health Partners)
Employees and their spouses (if applicable) who participate before July 1, 2019 will continue to
enjoy the discount of $50 per pay period. To qualify for the $50 participation discount, you and
your spouse (if applicable) must:
• Sign Enrollment Form on HealthyTrax,
• Complete the Health Risk Questionnaire,
• Complete the biometric screening, and
• Meet with a CHP Health Coach to discuss your results by August 31, 2019.
To qualify for the additional $45 per pay period engagement discount, you and your spouse (if
applicable) must:
• Meet with a CHP Health Coach. Coaching must be completed by May 15, 2020. See below for meeting minimums
based on your risk score. Remember, telephonic coaching is available for spouses! Coaching minimums based on
Risk score:
• Low – No follow-up coaching required
• Moderate – Required to meet at least (4) times
• High – Required to meet at least (6) times
• Participate in (2) Healthy Credit Wellness activities during the plan year by May 15, 2020 (employees only)
• (1) Credit within City Programs, like Lunch & Learns, Healthy Breaks, Challenges or Classes approved by CHP Coach
• (1) Credit outside City programs, like a 5k race
• Complete annual physical by your physician by June 1, 2020 and submit form to CHP (CHP will provide the form)
If all requirements are not met for the 2019-2020 Wellness Year, you will not be eligible to
receive the engagement discount for the 2020-2021 Wellness Year.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 19Flexible Spending Accounts (FSA)
Medical / Dependent Care FSAs are administered by Admin America.
Medical Flexible Spending Account (FSA): $2,700
• Qualified Health Care Expenses
• Remember, you cannot elect if enrolled in the HSA
• You may rollover up to $250 to the following plan year
Dependent Care Flexible Spending Account (DC-FSA): $5,000
• Qualified Dependent Care or Elder Care expenses to allow you (or your spouse) to
work or go to school
Remember:
• You must submit receipts for non-copay expenses.
• Accounts are separate and you cannot co-mingle funds.
• Must complete paper enrollment form every year.
Sample Health FSA Expenses:
• Physician services, Hospital charges, Lab services, Prescription drugs, Chiropractic
treatments, Glasses, Contact Lenses, LASIK, Dental Services including Orthodontia,
Durable Medical Equipment, Mental Health Services
City of Alpharetta 2019-2020 Open Enrollment Presentation / 22Dental Plan Highlights
Cigna Benefits
Deductible No Deductible
Annual Maximum* $1,250 Calendar Year
Preventive Services (cleanings 2x per year) 100% (Reasonable and Customary)
Basic Services (service performed in mouth) 80% (Reasonable and Customary)
Major Services (service placed in mouth) 50% (Reasonable and Customary)
Orthodontia (Child(ren) Only under 19) 50% to $1,250 Lifetime
Out-of-Network Claims 90th % (Reasonable and Customary)
*Progressive Maximum: Members that utilize Preventive
Services in one year can increase their Annual Maximum in
the following year by $100, up to four consecutive years.
Year 1: $1,250
Year 2: $1,350
Year 3: $1,450
Year 4: $1,550
Find a provider: www.myCigna.com
City of Alpharetta 2019-2020 Open Enrollment Presentation / 23Vision Plan Highlights
EyeMed In-Network Member Cost
Exam with Dilation (Every 12 months) $10 Copay
Retinal Imaging Up to $39
$0 Copay, $100 allowance,
Frames (Every 24 months)
20% off balance
Standard Plastic Lenses (Every 12 months)
Single Vision, Bifocal, Trifocal $10 Copay
Lens Options
Tint, UV Coating, Scratch Resistance $15 Copay
Polycarbonate $40 Copay
Anti-Reflective $45 Copay
Standard Progressive $75 Copay
Contact Lens (Every 12 months)
$0 Copay, $115 allowance
Conventional 15% off balance
Disposable $0 Copay, $115 allowance
Medically Necessary $0 Copay, paid in full
Find a provider: www.eyemedvisioncare.com
City of Alpharetta 2019-2020 Open Enrollment Presentation / 24Disability Benefits- Highlights
Cigna Short Term Disability Coverage
Benefit Amount 67% of weekly salary up to $2,500 per week
Benefits Begin 15th calendar day after injury, illness, or hospitalization
Benefit Duration Up to 24 Weeks
Partial Disability Included
Minimum 6 weeks Normal Delivery
Maternity
Minimum 8 weeks C-Section
Cigna Long Term Disability Coverage
Benefits Amount 60% of monthly earnings up to $10,000 per month
Benefits Begin 181st calendar day of an accident or sickness
Benefit Duration Up to Social Security Normal Retirement Age
Own Occupation Definition 2 years
Partial Disability Included
Rehabilitation / Return to Work Benefit Included
These benefits are 100% paid by the City of Alpharetta.
STD and LTD benefit payments are taxed as income to the employee.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 25Basic Life / AD&D Insurance - Hightlights
Cigna Coverage
Basic Life 3.5 x Salary up to $750,000
Accidental Death and Dismemberment 3.5 x Salary up to $750,000
Benefit reduces to 50% at age 70,
Age Based Benefit Reductions 35% at age 75, 25% at age 80
Spouse Benefit: $5,000 Flat Amount
Spouse & Child(ren) Child Benefit: $500 Flat Amount (Birth – 6 Months) /
$2,500 Flat Amount (6 Months – 19 Years / 26 Years if Student)
Life Accelerated Death Benefit 75% of benefit
Line of Duty Benefit (Police & Fire) $50,000
Disability must occur prior to age 60.
Waiver of Premium Waiver ends at age 65.
If your employment terminates, you may convert to an individual
Life Conversion permanent policy
Please remember to update your Beneficiaries (Primary and Contingent).
This benefit is 100% paid by the City of Alpharetta.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 26Voluntary Life and AD&D Insurance - Highlights
Cigna Employee Spouse Child
Increments $10,000 $5,000 $10,000
100% of Employee
$500,000
Max Benefit Amount up to $10,000
(or 5 x Salary)
$250,000
Guarantee Issue Amount
$100,000 $30,000 $10,000
(New Hires Only)
Starting July 1, 2019, Voluntary Accidental Death & Dismemberment is being added to City of Alpharetta’s
suite of benefit options. The Voluntary AD&D Insurance amount will automatically match the Voluntary Life
Insurance enrollment, effectively doubling the benefit in the event of an accident.
You must be enrolled in Voluntary Life in order to elect Voluntary AD&D.
If you are a new hire and elect over the Guarantee Issue Amount (GI), you must complete an Evidence of
Insurability (EOI) form.
If you wish to enroll for the first time (and are not a new hire) or increase your benefit you will need to
complete an Evidence of Insurability (EOI) form.
If you turned an age ending in 0 or 5 since last July 1st, you are now in a new age band for Voluntary Life.
Rates will be effective July 1, 2019.
Spouse rates will be based on your age.
Conversion / Portability: Available
Accelerated Death Benefit: 75% of Benefit Amount
This benefit is 100% paid by employees with after-tax deductions from payroll.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 27Cincinnati Life – Highlights Voluntary Benefit
Voluntary Life Insurance
Whole Life Insurance Policy
Term Life Insurance Policy
Return of Premium 20 year term
No medical exam required. Dependents answer a few medical questions for coverage.
Premiums are payroll deducted and never increase with age.
Coverage is portable. If you leave the City, you will still pay the employee premium rate.
In order to obtain/enroll in coverage, you must meet with a representative. Employees
must also complete the paper enrollment form for all plans in which you are interested.
Important!
There is an Guarantee Issue
for all new employees!
City of Alpharetta 2019-2020 Open Enrollment Presentation / 28Aflac – Highlights Voluntary Benefit
Aflac pays you money! All coverages are portable.
Accident Policy – 24/7 on/off job
Cancer Policy - $75 wellness benefit per year
Hospital Protection Policy – Hospital stays greater than 23 hours
Critical Care Protection Policy – 10 specified events
Group Critical Illness Policy – specified events including cancer rider
Dental Policy – New Benefit effective July 1, 2019
Please complete a paper enrollment form.
If you have a policy through the City of Alpharetta, you do not need to
do anything in order to continue coverage. If you would like to make
changes or cancel coverage, you must meet with a representative.
Payroll deductions are pre-tax and withdrawn 2 times per month.
City of Alpharetta 2019-2020 Open Enrollment Presentation / 29You can also read
