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Retiree Annual Enrollment for 2024 Benefits

November 1 to November 30, 2023

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This information is for Pinellas County retirees. 

Information Sessions

In a Nutshell

  • The 2024 Annual Enrollment period for Pinellas County retirees is November 1 to 30, 2023.
  • 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, 2024.
  • You should have received an Annual Enrollment packet in the mail with 2024 premiums and information needed to make an informed decision.

Action Needed

Medical Plans

Aetna Medicare Advantage PPO: There are no plan changes for 2024. Your premiums are listed in the packet sent to your home address.

Cigna Non-Medicare: The new medical plan premiums, which reflect the rising cost of healthcare, are listed in the packet sent to your home address. There are no changes to the Cigna Open Access Plus (OAP) Plan. The only changes to the Choice Fund Open Access Plus HSA Plan are the deductibles and maximum contribution amounts as shown:

  • Per IRS guidelines, we increased the annual deductibles for Retiree Only to $1,600 and Retiree Plus 1 or More to $3,200.
  • Per IRS guidelines, we increased the maximum contribution amounts for individual to $4,150 and for family to $8,300.

Dental Plans

There are no dental plan changes. There are new premiums (see below). Please note that the HMO plan is only available to Florida residents.

Plan Retiree Only Retiree + 1 Retiree + 2 or more
2024 Dental PPO Basic $43.41 $84.00 $132.76
2024 Dental PPO with Orthodontia $45.65 $88.31 $139.59
Dental HMO Plan $7.39 $10.57 $14.81

To compare the plans, view the chart below:

Item Cigna Dental HMO (Florida residents only) Cigna Dental PPO Basic Cigna Dental PPO with Orthodontia
Benefits Copayments apply based on the procedure and the established fee schedule Preventive Care – 100%
Basic Restorative (such as fillings) – 80%
Major Restorative (such as crowns and bridges) – 50% 		Preventive Care – 100%
Basic Restorative (such as fillings) – 80%
Major Restorative (such as crowns and bridges) – 50%
Cleanings and Exams 2 cleanings and up to 4 exams per year 2 cleanings and up to 2 exams per year 2 cleanings and up to 2 exams per year
Deductible (Individual / Family) Not applicable $50 / $150 $50 / $150
Maximum No maximum annual benefit Maximum plan year benefit of $2,000 Maximum plan year benefit of $2,000
Network Must choose an in-network dentist (before scheduling an appointment, contact Cigna to select your dentist from the network) Use any provider, but in-network is recommended for cost savings Use any provider, but in-network is recommended for cost savings
Specialists Not covered, unless using an in-network pediatric dentist for children up to age 13 Use any specialist, but in-network is recommended for cost savings Use any specialist, but in-network is recommended for cost savings
Orthodontics Not included Not included Covered at 50% for children and adults ($1,500 separate lifetime maximum)
Eligibility for Children Through the end of the calendar year in which they reach age 25 Through the end of the calendar year in which they reach age 25 Through the end of the calendar year in which they reach age 25
  • 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 2024. 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 2024 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 OAP Plan. There are no plan changes or rate increases for 2024.
  • Vision: EyeMed will continue to administer the retiree vision plan. There are no plan changes or rate increases for 2024.

Questions

11/27/23