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Retiree Annual Enrollment for 2025 Benefits

November 1 to November 30, 2024

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This information is for Pinellas County retirees. Employees should refer to Employee Annual Enrollment.

Information Sessions

  • Register for an information session to learn more and get your questions answered:
  • For help in using Zoom, see our Zoom FAQs.
  • Can’t attend? We will post recorded sessions later.

In a Nutshell

  • The 2025 Annual Enrollment period for Pinellas County retirees is November 1 to 30, 2024.
  • Annual Enrollment is your opportunity to review your current benefit elections and determine if you want to make any changes for the upcoming year. Your selections are effective January 1, 2025.
  • You will be receiving an Annual Enrollment packet in the mail soon with 2025 premiums and information needed to make an informed decision.

Action Needed

Medical Plans

Medicare: Our Medicare-eligible retirees will continue to be covered by Aetna’s Medicare Advantage PPO plan. There are some plan changes in 2025. See the Aetna Notice of Changes mailed to your home address for details. Pinellas County will send a mailer to your home address which includes new medical plan premiums.

Non-Medicare: Our non-Medicare eligible retirees will have a new medical plan vendor and minor changes to medical plans including expanded coverage and new plan names. There are no premium increases in 2025. The Pinellas County mailer sent to your home address will include premiums. The 2025 changes are detailed below:

  • New medical plan vendor – Our non-Medicare eligible retirees will be covered by UMR, a UnitedHealthcare company, instead of Cigna as of January 1, 2025. Read the New Medical Plan Vendor FAQs.
  • Medical plan names – The same two plans will have new names:
    • Preferred Provider Organization (PPO) plan, currently called the Open Access Plus (OAP) plan
    • High Deductible Health Plan (HDHP) with a Health Savings Account (HSA), currently called the Choice Fund Open Access Plus HSA plan
  • Medical plan expanded coverage – There will be expanded coverage for mammograms, colonoscopies, therapy, and more as shown:

2025 Medical Plan Expanded Coverage (Both Plans)

Benefit 2024 Coverage 2025 Coverage
Mammogram  Preventive mammograms covered at 100%; diagnostic mammograms subject to deductible, coinsurance and copayments  All mammograms covered at 100%, preventive and diagnostic   
Colonoscopy  Preventive colonoscopies covered at 100%; diagnostic colonoscopies subject to deductible, coinsurance and copayments  All colonoscopies covered at 100%, preventive and diagnostic   
Physical Therapy, Speech Therapy, Occupational Therapy  Maximum of 20 days per year per type of therapy  Maximum of 45 days per year per type of therapy 
Home Health Care  Maximum of 40 visits per year  Maximum of 90 visits per year (combined with outpatient private duty nursing)  
Hospice Care  Not specified  8 hours per week 
Bereavement Services  Not specified  Provided within 12 months of death 
  • High Deductible Health Plan with HSA changes – Per IRS guidelines, there are increases in the deductible, out-of-pocket maximum, and contribution limits as shown below. The Health Savings Accounts will be moving from HSA Bank to Optum Bank (automatic transfer, no action needed).

2025 High Deductible Health Plan with HSA Changes

Item 2024 2025
In-Network Annual Deductible   Retiree Only, $1,600
Retiree +1 or More, $3,200 		Retiree Only, $1,650
Family, $3,300
Out-of-Network Annual Deductible   Retiree Only, $3,000
Retiree +1 or More, $6,000 		Retiree Only, $3,300
Family, $6,600
In-Network Out-of-Pocket Maximum (includes medical and Rx)  Retiree Only, $3,000
Retiree +1, $4,000
Retiree +2 or More, $6,000 		Retiree Only, $3,000
Family, $6,000
Out-of-Network Out-of-Pocket Maximum (includes medical and Rx)  Retiree Only, $4,200
Retiree +1, $6,000
Retiree +2 or More, $8,400 		Retiree Only, $4,200
Family, $8,400
Contribution Limit for Employee Only* $4,150 $4,300
Contribution Limit for Family* $8,300 $8,550

* Includes Pinellas County contribution of $500 or $1,200 (Age 55+ catch up contribution remains at an additional $1,000.)

Dental Plans

Cigna will continue to administer the retiree dental plans. There are no plan changes or rate increases for 2025. Please note that the HMO plan is only available to Florida residents.

2025 Retiree Dental Premiums (Same as 2024)

Plan Retiree Only Retiree + 1 Retiree + 2 or more
Dental PPO Basic $43.41 $84.00 $132.76
Dental PPO with Orthodontia $45.65 $88.31 $139.59
Dental HMO Plan $7.39 $10.57 $14.81

To compare the plans, view a Quick Comparison Chart.

  • If you are enrolled in one of our dental plans, you may switch plans or make a change to your covered dependents. If you are not enrolled in a dental plan, you may not elect coverage now.
  • Continue to use your current ID card. New cards will not be issued even if you switch plans.
  • For information on the dental plans and the provider networks, contact Cigna at www.mycigna.com or call (800) 862-3557.

Other Benefit Plans

  • Life Insurance: Securian Financial will continue to administer the retiree life insurance program. There are no plan changes or rate increases for 2025. You may decrease your amount of life insurance coverage at any time. However, increases or new enrollment in coverage are not permitted. Please review your beneficiary information and use the 2025 Annual Enrollment Change Form if updates are needed.
  • Prescription: For Medicare Advantage PPO members, Aetna is the administrator for prescription coverage. For Non-Medicare (Pre-65) members, Express Scripts is the administrator for prescription coverage for those on the PPO Plan. There are no plan changes or rate increases for 2025.
  • Vision: EyeMed will continue to administer the retiree vision plan. There are no plan changes or rate increases for 2025.

Affidavits

Dependent Verification

  • New in 2025!You will need to provide verification for any family members you are covering for benefits.
  • Now is the time to gather your documents to prepare for the verification period from January 13 to February 28, 2025.
  • If you realize that your dependent is not eligible during the Annual Enrollment period, complete the 2025 Annual Enrollment Change Form to remove the dependent from coverage. Contact Benefits at (727) 464-3367, option 1 if you need assistance.
  • View Dependent Verification: Retirees for more information.

Questions

10/28/24