OPEN ENROLLMENT

JULY 27 – AUGUST 26, 2011

Taking Control of Your Family’s Health

& Well-Being!

Benefit Year 2012October 1, 2011 – September 30, 2012

2011/2012 Health Care Benefits Plan Comparison PLAN

Medical Services Optima POS

PLUSOptima POS

VALUE

General Deductible (ind/fam) $100/$200 $250/$500

Out of Pocket Maximum (ind/fam) $2,500/$5,000 $2,500/$5,000

PCP visit $20 copayment $25 copayment

Specialist visit $40 copayment $50 copayment

Preventive care Covered at 100% Covered at 100%

Maternity $200 per pregnancy Covered at 80%AD

Inpatient Care $350 per admissionAD Covered at 80%AD

Outpatient Surgery $150 copaymentAD Covered at 80%AD

Emergency Room $150 copaymentAD $150 copaymentAD

Urgent Care Center $50 copayment $50 copayment

Prescription drugs $10/30/60/60 $15/30/60/60

Preventive vision $15 every 12 months $15 every 12 months

OON Deductible $400/$1200 $1000/$2000

OON OOP Maximum $7500/$15000 $7500/$15000

OON Coinsurance 70%AD 70%AD

AD – After Deductable

Which Health Care Plan Will Work Best For Me

ValueValue PlusPlusLower Premium

Moderate Deductible

Co-insurance on major services

Higher Premium

Lower Deductible

Copays on most services

Maximum Out of Pocket Expense $2,500/individual and $5,000/family

100% Preventive Care Coverage

Optima Health Hotline – 552-7110

 

Employee & Employer Cost for HealthCareOctober 2011- September 30, 2012

Overall Increase is 6.4%

EmployeeMonthly Rate

City of NorfolkMonthly Rate

EmployeeAnnually

NorfolkAnnually

Employee

POS Plus $63.48 $413.83 $756.24 $4, 965.96

POS Value $36.02 $359.20 $432.24 $4,310.40

Employee + Children)

POS Plus $195.02 $569.02 $2, 340.24 $6, 830.40

POS Value $140.04 $492.60 $1, 680.48 $5, 911.20

Employee + Spouse

POS Plus $309.98 $644.67 $3, 719.76 $7, 736.04

POS Value $187.04 $603.43 $2, 244.48 $7,241.16

Employee + Family

POS Plus $495.12 $1034.55 $5, 941.44 $12,414.60

POS Value $335.14 $931.50 $4, 021.68 $11,178.00

National Health Care Reform Bill allows dependent children up to age 26 years of age.

Online tools offer additional resources for assisting you with taking control of your family’s health and well-being

Online tools offer additional resources for assisting you with taking control of your family’s

health and well-being

MyHealth I.Q. Health Risk Assessment & Lifestyle Management Coaching

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Looking for a way to save money?

Participate in the Health Risk Assessment (HRA) offered by Healthways (MyHealthIQ) and earn $120 per year off your insurance premium. MyHealthIQ HRA must be completed by August 26th, 2011.

Program Offerings – HRA & Lifestyle Management

Looking for a way to feel better and improved your health?After you complete the MyHealthIQ HRA, if you have health

risks, you could be eligible for the Lifestyle Management program offered by Healthways.

Health Risk Assessment is a confidential benefit operated by Healthways.

If you need an additional copy of your welcome email (including your User Name/Password) or don’t have access to the internet, please contact Healthways customer support at 1-866-449-9705.

www.healthways.com

Health Risk Assessment – How to get started?

• Log on to: https://www.myhealthiq.com/ • Enter User Name and Password provided to you in welcome

email. • You will be prompted to change your User Name and

Password during registration if you are a first time visitor to the site.

• Returning visitors:• Input the User Name/Password you established during

the initial registration.• Click Log In and

begin the survey.

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www.healthways.com

Lifestyle Management – Telephonic Coaching

What to expect next: • Depending on risks identified in the MyHealthIQ

HRA, you may receive a phone call from one of the Healthways Coaches.

• Program is confidential, free and voluntary.• Risks focused on include physical inactivity,

weight management tobacco cessation, nutrition, hypertension, high cholesterol, etc.

• Coaches are trained in behavior change and are from backgrounds including nursing, exercise science, nutrition and health ed.

• Two levels of programs are offered. • 6 month and 12 month programs.

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Optima Health and Norfolk continue to offer additional ways to take control of your health and well-being through: – MyLife MyPlan Rewards program to improve health

for employees with specific health conditions Asthma/COPD Coronary Artery Disease Congestive Heart Failure Diabetes Partners in Pregnancy

– Reduce medical costs through employee participation in health management programs

• Employees can earn up to $560 in a Wellness Plan to help pay for your health care expenses.

• This program does not replace your doctor or your wellness coach – it adds another resource to help you.

• You can join the program at any time throughout the year. Your incentive is assessed on a quarterly basis. Please note that your incentive amount will vary based on the date you become effective in the program.

We Work For Your Benefit.

Take Control of Your Family’s Health With Preventive

Dental Care

3

New for 2011

•Dependents are now covered up to age 26

•Added over 500 new PPO dentist locations in Virginia

NO INCREASE IN PREMIUM FOR 2012

We Work For Your Benefit.

Preventive Dental Care

Dominion’s plans emphasize prevention and early detection of dental problems and can help you diagnose medical problems before they become serious and expensive.

Routine dental checkups can discover oral cancer, heart disease, diabetes, respiratory ailments, skin diseases, thyroid problems and leukemia.1,2

Nearly 75% of American adults suffer from various forms of periodontal (gum) disease and don’t know it.1

Over 20 million workdays are lost each year due to dental illness.3

1  Gustin, K.M. (2006, Dec.). Discussing dental. National Provisioner. 220(12). 26-29.2  According to the American Dental Hygienists' Association (2008).3  Source: National Association of Dental Plans (NADP). 4 Oral Health in America: A Report of the Surgeon General (September 2000).

The death rate for oral cancer is higher than that of cervical cancer, Hodgkin’s lymphoma, thyroid cancer and skin cancer.3

Tooth decay is the single most chronic childhood disease - five times more common than asthma and seven times more common than hay fever.4

We Work For Your Benefit.

1   Dominion Dental Services, Inc. Network Analysis Report, March 2010.

1. Select Plan - Great Value, Fixed Copayments, Lower Premium

• Must use participating dentisto Over 2,000 participating dentist listings in the Mid-Atlantico Dominion has one of the largest HMO-style networks in the Mid-Atlantic2

• High-value benefits• No pre-existing condition exclusions, waiting periods, deductibles, or maximum dollar

limits • Lower premium• No pre-authorization forms, claim forms, or related paperwork

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2. Access PPO (Basic Plan & High Plan) – Maximum Access, Convenience & Flexibility

• Larger dentist network o Over 7,500 participating dentists listings in the Mid-Atlantico Over 115,000 dentists listings nationally

• Flexibility to use any dentist (Access PPO)• Lower out-of-pocket costs when using a network dentist• Participating dentists will accept benefit assignment• Approximately a 25% discount on services

Your Dental Benefits - Two Choices

We Work For Your Benefit.

Dominion Dental Plan Co-pays

We Work For Your Benefit.

1 Patient must pay a $10 office visit fee.2 Amount based on the 50th percentile of Usual, Customary and Reasonable charges in the Tidewater area.3 An annual deductible of $50 per person (family maximum of $150) is required on basic care and major restorative care.

Employee Cost Example

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Procedure Code 2750

Crown – Porcelain Fused to High Noble Metal

Select Plan 608x

Access PPO Basic

Fee Schedule(Fixed) Amount

You Pay1

$361 $361

Remaining Calendar Year Benefit: Unlimited

Dentist Charges

Maximum Allowable

Charge

Dominion Pays (50% of $811)

You Pay3

In Network $811 $811 $406 $406

Out-of-Network $9062 $811 $406 $500

Remaining Calendar Year Benefit: $1,000 - $406 = $594

Dentist Charges

Maximum Allowable

Charge

Dominion Pays (50% of $811)

You Pay3

In Network $811 $811 $406 $406

Out-of-Network $9062 $811 $406 $500

Remaining Calendar Year Benefit: $1,500 - $406 = $1,094

Access PPO High

City of NorfolkFlexible Spending Accounts

Participants may call for account information at

1-877-WAGEWORKS (877-924-3967)

Email Claim and Card Use Verification Forms to:

PayMeBack@WageWorksClaims.com

1492-WW-FSA-Deck-New-Clients (Nov 2008)

City of Norfolk FSA Plan Details Health Care FSA Plan:

• Maximum Election is $4000 (with a $120 minimum)• Plan year runs from 10/1 to 9/30• Claim it by Date is 12/31 – All claims MUST be submitted by this date

for reimbursement for that plan year• 2011/2012 HC Account can be reimbursed for Out-of-Pocket Medical

expenses with dates of services from 10/1/2011 through 9/30/2012. Dependent Care FSA Plan:

• Maximum Election is $5000 (with a $120 minimum)• Plan year runs from 10/1 to 9/30• Claim it by Date is 12/31 – All claims MUST be submitted by this date

for reimbursement for that plan year• 2011/2012 DC Account can be reimbursed for Dependent Care

expenses with dates of services from 10/1/2011 through 9/30/2012New for 2012 plan year, if you are currently enrolled, your election

amount will rollover to the 2012 plan year! You will only need to act, if you are opting out, Increasing or

decreasing your election amounts!

How to access your FSA money?

1. Pay Me Back – via fax, mail, online or email

Email: PayMeBack@WageWorksClaims.com

2. Pay My Provider – payments sent directly to your Provider from your FSA

3. Health Care Debit Card – Only for HC FSA

EZ Receipts Mobile App Highlights Makes it easy to submit Health Care Card receipts

On-the-go convenience complements WW mobile site Install free app (one-time set-up)

Use Health Care Card

Open app

Enter date and amount of card transaction

Take or select any number of photos of receipt

Submit – App will submit receipts whenever internet is available and app is open

Features Enter user name and password only upon initial use or after logging out

Can be installed by participant on phone of any dependent that uses HC Card

Includes FAQs related to good receipts, good photos, next steps, etc.

Planned Releases iPhone version is available NOW!!

Android and Blackberry versions in Late 2011

Available Now! Log onto iPhone App Store to download EZ Receipts application

© 2010 Standard Insurance Company

Summary of Disability Benefits

© 2010 Standard Insurance Company Company Confidential

How Disability Insurance Helps you take control of your families well beingAs an Employee it:

• Safeguards your lifestyle by insuring your income• Protects your loved ones• Gives you Peace of mind

People insure

Their possessions i.e. Houses and Cars

Their lives via Life Insurance

Their health via Health Insurance

But they don't think about insuring or protecting their income.

THINK ABOUT IT TODAY!

© 2010 Standard Insurance Company

Prepare for a Secure Future

• If you become sick or injured outside of work,• We have a plan for you.

• First: Accumulated leave – receive 100% of your earnings

• Second: Short Term Disability Program - Sick Leave Bank – receive 100% of your earnings http://intranet/hr/Policies/admin/admin_policies.pdf

• Third: Long Term Disability Insurance – The Standard Insurance – receive 67% of your earnings

© 2010 Standard Insurance Company

Norfolk Sick Leave Bank

• To become a participant you must:– Enroll within the first 30 days of employment with the City, or have

at least ten (10) days of Sick Leave saved to enroll during open enrollment.

• Policy and Procedures:– You must be absent from work for at least thirty (30) workdays

AND exhaust all accrued leave before becoming eligible to withdraw from the Sick Leave Bank.

• The maximum amount you can withdraw from the Sick Leave Bank is 100 days per disability or per 12 month period with a “lifetime total” of 250 days.

• The Sick Leave Bank Policy is detailed in the Administrative Policies Manual on the HR intranet. http://intranet/hr/Policies/admin/admin_policies.pdf

© 2010 Standard Insurance Company Company Confidential

Long Term Disability InsurancePlan Design:

• Benefit Amount: 67% of Monthly Salary

• Maximum Benefit: $10,000 per Month

• Elimination Period: The longer of 90 Days or end of the City Sick Plan.

• Benefit payments are offset by other sources of income you eligible for (i.e. Worker’s Compensation and Social Security)

• Maximum Benefit Period is the earlier of:

• Social Security Normal Retirement Age (SSNRA) or

• Your physician releases you back to work

• You elect this benefit and pay for it via payroll deduction.

• Benefit payments are not subject to Federal or State income taxes.

Bon Secours EAP Provides short-term Problem solving and referral services to employees

757-398-2374

www.eap-hamptonroads.org

Who, What, Where, When, & Why?

Who? Services are free to all City of Norfolk employees and their immediate family members.

What?EAP’s focus is to help employees balance theirlife so their personal stressors do not impact job performance.

Where? We have locations throughout Hampton Roads. Employees can see an EAP counselor in Norfolk, Virginia Beach, Chesapeake, Suffolk, Portsmouth, Hampton, or Newport News at a time and location that is convenient.

When?

Appointment are available Monday through Friday. Evening appointments are offered.

We provide twenty-four hour crisis line assistance.

Why?

Sometimes it helps to talk to an objective professional to gain a better understanding of personal or workplace problems. The EAP can assist with:

Job Stress/Change

Depression

Grief and Loss

Marital Distress

Alcohol and Drug Abuse

Life Transitions and more

Plan for Retirement Using the 457 Deferred Compensation Plan

AC: 0411-4768 This presentation is the property of ICMA-RC and may not reproduced or redistributed in any manner.

Norfolk Pension & Social Security unlikely to be enough You control contributions, investments Convenient contributions – from your paycheck Assets set aside exclusively for your benefit

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Max

imum

Con

trib

utio

n A

llow

ed (2

011)

$16,500

+$16,500 during each of the three years prior to your normal retirement age, based on extent to which maximum contributions not made in previous years*

$22,000

$33,000

$5,000

+$5,500 if age 50 or over during 2011

Unlike Earnings, Tax Rules, and Inflation, It’s One Thing You Can Control

* “Normal retirement age,” as defined in the plan. If you elect this “pre-retirement” catch-up, you cannot also elect the “age 50” catch-up.

How Much Can I Contribute in 2011?

Normal limit

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You Have Investment Control• Full control over how your account

is invested

• Variety of diversified funds available From conservative to aggressive

• Choose your approach Build portfolio of individual stock,

fixed-income funds For simple yet diversified approach,

target-date or target-risk funds

When can I withdrawal?

• Upon separation from service, for any reason

• In-service withdrawals Age 70½* Rollover Assets* Emergencies, subject to IRS guidelines Inactive account with balance less than

$5,000

It is Easy to Save Non Taxed $Assume: $40,000 annual salary and you make a 5% pre-tax contribution to 457 plan

Contribution = $77 semi-monthly ($2,000 per year)Each paycheck reduced by…only $58 ($1,500 per year)No taxes due until you withdraw

NEW!Plan for Retirement using a Payroll Roth IRA

AC: 0611-4862 This presentation is the property of ICMA-RC and may not reproduced or redistributed in any manner.

Retirement and beyond…Source of additional, tax-free incomeTravelLong-term or medical careGifting, inheritance for loved ones

Can withdraw contributions without taxes or penalties any time, regardless of age

Home purchase (earnings may also be tax-free1)

College expenses (earnings may avoid penalties2)

Wedding

Emergency fund

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Roth IRA Complements Your 457 Plan

Roth IRA 457 Plan

No tax benefit for contributions

Lower contribution limits($5,000; or $6,000 age 50+)

No withdrawal restrictions

Withdrawals may be tax-free

No RMDs, age 70½ +

Pre-tax contributions lower current year taxes1

Higher contribution limits($16,500; or $22,000 age 50+)

Withdrawals subject to tax1

Penalty-free withdrawals upon separation, regardless of age2

1 If available, Roth contributions do not lower current year taxes but earnings may be withdrawn tax-free.2 A 10% penalty tax never applies to withdrawals of original 457 plan contributions and associated earnings. However, the penalty may apply to non-457 plan assets that are rolled into a 457 plan and subsequently withdrawn prior to age 59½.

It’s not either or; consider saving to both!

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Roth IRA Compliments Your Retirement Saving Plan

• Expect to be in higher tax bracket when withdraw

• Diversify your taxes Even if uncertain about future tax rates

Source of tax-free income in retirement

Choose from which accounts you withdraw based on your specific tax situation each year

• Convenient – automatic saving from your paycheck

• Simplified finances – view with other ICMA-RC accounts on statements, online

• No minimum investment

NEW!Managed Accounts - Guided Pathways®

Providing a Path to Secure Retirement

AC: 1108-2685

Suite of professional investment advisory services which incorporates and regularly reviews your personal and financial picture

Guided Pathways is designed to assist you in determining the appropriate level of investment assistance based on your personal needs

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Three increasing levels of service to help you build retirement security

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1. Asset Class Guidance 2. Fund Advice 3. Managed Accounts

Three Different Levels of Assistance

• Provides a one-time asset class allocation recommendation

Does not provide fund specific recommendations

• No fee is charged for using Asset Class Guidance2

• Provides “point-in-time” fund specific recommendations from among the investment options available in your plan

You remain responsible for the ongoing account reallocation and rebalancing

• $20 annual fee is charged for using Fund Advice2

• Designed for participants who don’t have

Time, Experience, or Interest in managing their own

retirement account and Want to delegate their investment

decisions to an expert• Provides unbiased

professional management of your retirement account

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Managed Accounts Fees2-3

• Managed Accounts fees are based on your average daily balance and deducted from your account monthly based on the fee schedule below

Account Balance Annual Fee

First $25,000 0.60%

Next $25,000 0.55%

Next $50,000 0.45%

Next $150,000 0.35%

Over $250,000 0.25%

* For the Managed Accounts fee applicable to your plan, please check with your employer or ICMA-RC’s Guided Pathways team.

• Phone – call the Guided Pathways team at 800-669-7400

• Internet – log into www.icmarc.org

• Paper – complete the Managed Accounts Enrollment Form

WHAT IS A CREDIT UNION? A not‐for‐profit financial

institution owned by its members.

In a bank, profits go to outside shareholders. In a credit union, net profits are returned to the members.

Members benefit by: Earning higher dividends (interest) on savings.

Getting lower rates on loans. Access to no‐fee or low‐fee

products.In Short: A cheaper bank with

nicer people, great savings and loan rates and personal service.

OTHER BENEFITS INCLUDE: “Once a member, always a

member.” Insured up to $250,000by the

National Credit Union Administration (NCUA), an agency of the Federal Government.

Check out our web site at www.norfolkcu.org or call us at (757) 664-4273 for more information.

Visit us on the 1st floor of the City Hall Building to become a member-owner of your credit union.

Open Enrollment is Paperless!Open Enrollment is Paperless!

Do Nothing OptionDo Nothing Option Employee receives all benefits at the Employee receives all benefits at the

same tier level they had last year same tier level they had last year (including (including FSAFSA) with the exception of:) with the exception of:

Will be entered as non-participating in Will be entered as non-participating in HRA (so you miss $10.00 a month HRA (so you miss $10.00 a month discount) unless My Health IQ discount) unless My Health IQ completed completed by August 26by August 26thth. .

The PeopleSoft PortalThe PeopleSoft Portal

Open Enrollment Log InOpen Enrollment Log In

On-line Access Now Available for all Employees to View On-line Access Now Available for all Employees to View and Manage basic and Manage basic PersonalPersonal, , PayrollPayroll and and BenefitsBenefits Matters Matters 24-Hours/ Day - 7 Days/ Week24-Hours/ Day - 7 Days/ Week

Open Enrollment Selection PanelOpen Enrollment Selection Panel

Call IT Help Desk at 664-HELP for any issues

Open – Open EnrollmentOpen – Open Enrollment

Benefits Enrollment FormBenefits Enrollment Form

Benefit Enrollment ContinuedBenefit Enrollment Continued

Edit – Medical Edit – Medical

Edit - Medical ContinuedEdit - Medical Continued

Edit - DependentsEdit - Dependents

Edit – Roth IRAEdit – Roth IRA

Benefit Cost SummaryBenefit Cost Summary

Submit Benefit ChoicesSubmit Benefit Choices

Almost There!Almost There!

Don’t Forget to Sign OutDon’t Forget to Sign Out

BY2012 E-Benefits InformationBY2012 E-Benefits Information

www.optimahealth.com/norf •Receive a Benefits CD upon request

Norfolk Benefit Hotline – 664-7061Optima Health Care Hotline – 552-7110