OF MIRAMAR 2016 RETIREE BENEFIT HIGHLIGHTS

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2 Thank you for your years of service to the City of Miramar. Your benefits are a very important part of your compensation package as a City of Miramar Retiree and I wanted to deliver a personal message to everyone about this year s Active Enrollment. Active enrollment means that you must enroll or waive coverage on-line in order to be covered for the plan year. We are excited to be partnering with Aetna as our medical plan provider for I am also happy to announce that dental coverage will remain with Delta Dental and life insurance will remain with The Standard. Premiums will not increase and coverages will remain the same. I know that your benefits are important to you, so I strongly encourage you to take the time to thoroughly and carefully review this Benefit Highlights booklet, to assist you in making selections that best fit you and your family s needs. During Open Enrollment, you will have the opportunity to make your selections and/or change your coverage. Your HR Benefits Analyst is available to assist you with your planning needs. Additionally, Aetna has committed to having an on-site representative available to address any specific health plan concerns you may have during the open enrollment period. If you have elected or would like to continue your coverage under COBRA, contact the Human Resources Departments for more information. We are here to serve you and are available to assist with benefits questions or refer you to the appropriate resource, if needed. We thank you for your commitment to a healthier you! Have a Happy and Safe Year. Sam W. Hines

3 BENEFIT DIRECTORY City of Miramar Contact Name Contact Information Human Resources The Human Resources Department Phone: (954) Service Provider Contact Information Medical Insurance Aetna Customer Service: (855) Prescription Mail-Order Program Aetna Rx Home Delivery Customer Service: (888) Dental Insurance Delta Dental DPPO Customer Service: (800) DHMO Customer Service: (800) Employee Benefits Center BenTek Support Customer Service: (888) Retiree Billing Benefits Outsource Inc. Customer Service: (954) Claims Resource Center Gehring Group Customer Service: (800) What s New for 2016 Active Enrollment for 2016: You will be required to make an election for the following benefits during Open Enrollment in order for coverage to be effective on January 1, Medical Insurance The City will now offer two medical plans through Aetna. Aetna Health Network Plan Aetna Managed Choice (Open Access) Plan The Affordable Care Act (ACA) 1095C Form: All employees who participated in one of the City s Humana Medical Plans during 2015 will receive a 1095C form in the mail from the City to file with their 2015 tax return. These forms will be mailed out at the same time as the W-2 forms. For questions regarding your eligibility or offered plan benefits, please contact the Human Resources Department.

4 Table of Contents Introduction... 1 Notices... 1 Online Benefit Enrollment... 1 Medical Insurance... 2 Medical Insurance Premiums... 3 Other Available Plan Resources... 3 How To Locate A Provider... 3 Medical Insurance: Aetna Health Network Plan At-A-Glance... 4 Medical Insurance: Aetna Managed Choice POS Plan At-A-Glance... 5 Dental Insurance: Delta Dental DeltaCare DHMO Plan (State of Florida Only)... 6 Dental Insurance: Delta Dental DeltaCare DHMO Plan At-A-Glance... 7 Dental Insurance: Delta Dental PPO Plan... 8 Dental Insurance: Delta Dental PPO Plan At-A-Glance... 9 Wellness with Aetna Healthy Commitments SM Program Employee Claims Resource Notes All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. CITY OF MIRAMAR 2015 RETIREE BENEFIT HIGHLIGHTS

5 Introduction The City of Miramar provides a comprehensive compensation package including group insurance benefits. The Retiree Benefit Highlights Booklet provides a general summary of these benefit options as a convenient reference. Please refer to the City s Personnel Policies, applicable Union Contracts and/or Certificates of Coverage for detailed descriptions of all available employee benefit programs and stipulations therein. If you require further explanation or need assistance regarding claims processing, please refer to the customer service phone numbers under each benefit description heading or contact the Human Resources Department. Notices COBRA Continuation of Medical Coverage Benefits Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employees and/or dependents may be able to continue their enrollment in certain health plans, if such coverage is terminated or changed due to a qualifying event. Medicare Part D Creditable Coverage The City of Miramar s prescription drug coverage(s) is considered Creditable Coverage under Medicare Part D. If you or your dependents are or will be eligible for Medicare, you may obtain more information by requesting a Medicare Part D Disclosure of Creditable Coverage Notice. More information is available on the above Notices by contacting the Human Resources Department. Online Benefit Enrollment BenTek Technical Support - support@mybentek.com Technical Support - Phone: (888) 5-BenTek ( ) Online Enrollment The City provides an electronic enrollment through BenTek. BenTek provides benefit-eligible employees the ability to make group insurance benefit elections and changes online during the annual open enrollment, new hire orientation, and qualifying events module. To access the BenTek during open enrollment: Log on to Create username and password by clicking on First time user, click here located above the username and password fields. If you forget your username and/or password, click on the link Forgot Username or Forgot Password and follow the instructions. (The Human Resources Department will not have access to this information). Enter BenTek to review current elections, learn about your benefit options, and make any elections or changes. You may also submit and update your life insurance beneficiary designation(s). You have the option to print out your enrollment confirmation statement containing all your benefit elections for you and your family, including your life insurance beneficiary designations. Accessible 24 hours a day during the open enrollment process, information about all of your employee benefits election options, including premiums and carrier contact information, is also available to help you make informed decisions. You can also log on to the BenTek at any time to review your benefits, access carrier links, update life insurance beneficiaries and report qualifying events. If any technical questions arise while visiting BenTek, please BenTek Support at support@mybentek.com or call (888) 5-BenTek ( ), Monday through Friday, during regular business hours. *BenTek Tip* Link must be addressed exactly as written (Due to security reasons, the website cannot be accessed by Google or other search engines.) All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. CITY OF MIRAMAR 2015 RETIREE BENEFIT HIGHLIGHTS 1

6 Medical Insurance Summary of Benefits and Coverage A Summary of Benefits & Coverage (SBC) for each medical plan option is provided as a supplement to this booklet which is being distributed to new hires, existing employees and retirees during open enrollment. These summaries are an important item in understanding your benefit options. A free paper copy of these SBC documents may be requested or are also available as follows: From: The Human Resources Department 2300 Civic Center Place, First Floor Miramar, FL Phone: (954) Through the enrollment software BenTek: The SBC is only a summary of the plan s coverage. A copy of the plan document, policy, or certificate of coverage should be consulted to determine the governing contractual provisions of the coverage. A copy of the actual group certificate of coverage can be reviewed and obtained by contacting the Human Resources Department or at the following web address: If you have any questions about the plan offerings or coverage options, please contact the Human Resources Department at (954) All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

7 Medical Insurance Premiums The Summary of Benefits and Coverage (SBC), provided in addition to this Retiree Benefit Highlights Booklet is your primary source of information regarding your plans. The information contained in this Booklet regarding your plans is intended to supplement your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan, please contact Aetna s Customer Service at (855) The City offers two medical plans through Aetna to benefit eligible retirees. The costs per month for coverage is listed in the premium tables below. For information about your medical plan please refer to the Summary of Benefits and Coverage (SBC) provided. Aetna Health Network Plan Monthly Premiums Tier of Coverage Regular Retirees Game Retirees (62-65) Executive Retirees Retiree Only $ $0.00 $0.00 Retiree + 1 Dependent $1, $ $ Retiree + 2 or more Dependents $1, $1, $ Aetna Managed Choice POS Plan Monthly Premiums Tier of Coverage Regular Retirees Game Retirees (62-65) Executive Retirees Retiree Only $ $0.00 $0.00 Retiree + 1 Dependent $1, $ $ Retiree + 2 or more Dependents $2, $1, $ Other Available Plan Resources Aetna offers to all enrolled members and dependents additional services and discounts through value added programs. For more details regarding other available plan resources, please refer to your Summary of Benefits and Coverage (SBC), contact Aetna s customer service at (855) or visit How To Locate A Provider Log Onto: 1. On the top left hand corner Click on: Find a Doctor A. Click on: Search our public directory (no log-in needed) 2. What type of plan are you considering? A. Click on: Search our public directory (no log-in needed) i. Type in: Who are you looking for? Where? And click search ii. Or select from the option Provider Types, Conditions, Procedures follow steps 1. Select from the drop down: Aetna Open Access Plans 2. Aetna Health Network (HN) Only Plan or Aetna Open Access Managed Choice (OAMC) Plan All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 3

8 Medical Insurance: Aetna Health Network Plan At-A-Glance The Summary of Benefits and Coverage (SBC), provided in addition to this Retiree Benefit Highlights Booklet is your primary source of information regarding your plans. The information contained in this Booklet regarding your plans is intended to supplement your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan, please contact Aetna s Customer Service at (855) Network Calendar Year Deductible (CYD) Single Family Coinsurance Member Responsibility Calendar Year Out-of-Pocket Limit Health Network Only In Network Does Not Apply Does Not Apply In Network Does Not Apply In Network Single $6,350 Family $12,700 What Applies to the Out-of-Pocket Limit? Physician Services Primary Care Physician (PCP) Office Visit Specialist Office Visit (No Referral Required) Freestanding Facility; Non-Hospital Services Clinical Lab (Blood Work): Quest* X-rays Advanced Imaging (MRI, PET, CT) Outpatient Surgery in Surgical Center Physician Services at Surgical Center Hospital Services Inpatient Hospital (Per Admission) Outpatient Surgery Physician Services at Hospital Emergency Room (Copay Waived if Admitted) Urgent Care Mental Health / Alcohol & Substance Abuse Inpatient Hospitalization (Per Admission) Outpatient Services (Per Visit) Prescription Drugs (Rx)** Generic - Tier 1 Preferred Brand Name - Tier 2 Non-Preferred Generic and Brand Name - Tier 3 Specialty Mail-Order Drug (90 Day Supply) Deductible, Coinsurance, Copays and Rx In Network $20 Copay $40 Copay In Network No Charge No Charge $100 Copay Per Scan $150 Copay No Charge In Network $250 Copay $150 Copay No Charge $150 Copay $75 Copay In Network $250 Copay $20 Copay In Network $10 Copay $20 Copay $50 Copay 25% Coinsurance $20 / $40 / $100 Copay *Quest Diagnostics is the preferred lab for blood work through Aetna. When using a lab other than Quest, please be sure to confirm they are contracted with Aetna s Health Network Only Network prior to receiving services. **A $2,500/$5,000 pharmacy cost share maximum is included in the in-network Calendar Year Out-of-Pocket Limit. Please Note: Services received from providers or facilities not in the Health Network Only Network will be denied. 4 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

9 Medical Insurance: Aetna Managed Choice POS Plan At-A-Glance The Summary of Benefits and Coverage (SBC), provided in addition to this Retiree Benefit Highlights Booklet is your primary source of information regarding your plans. The information contained in this Booklet regarding your plans is intended to supplement your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan, please contact Aetna s Customer Service at (855) Network Florida - Open Access Managed Choice Calendar Year Deductible (CYD) In Network Out of Network Single $300 $600 Family $600 $800 Coinsurance In Network Out of Network Member Responsibility 0% 20% Calendar Out-of-Pocket Limit In Network Out of Network Single $6,350 $2,000 Family $12,700 $4,000 What Applies to the Out-of-Pocket Limit? Coinsurance, Copays, Deductible and Rx Physician Services In Network Out of Network** Primary Physician Office Visit Specialist Office Visit $25 Copay $50 Copay 20% After CYD Freestanding Facility; Non-Hospital Services In Network Out of Network** Clinical Lab: Quest (Blood Work): Quest* No Charge 20% After CYD X-rays No Charge 20% After CYD Advanced Imaging (MRI, PET, CT) 0% After CYD 20% After CYD Outpatient Surgery at Surgical Center $100 Copay + 0% After CYD 20% After CYD Physician Services at Surgical Center 0% After CYD 20% After CYD Hospital Services In Network Out of Network** Inpatient (Per Admission) $250 Copay + 0% After CYD 20% After CYD Outpatient Surgery $100 Copay + 0% After CYD 20% After CYD Physician Services at Hospital 0% After CYD 20% After CYD Emergency Room (Copay Waived if Admitted) $150 Copay $150 Copay Urgent Care Center $75 Copay 20% After CYD Mental Health / Alcohol & Substance Abuse In Network Out of Network** Inpatient Hospitalization (Per Admission) $250 Copay + 0% After CYD 20% After CYD Outpatient Services (Per Visit) $25 Copay 20% After CYD Prescription Drugs (Rx)*** In Network Out of Network** Generic - Tier 1 Preferred Brand Name - Tier 2 Non-Preferred Generic and Brand Name - Tier 3 $10 Copay $20 Copay $50 Copay Specialty 25% Mail Order Drug (90 Day Supply) $20 / $40 / $100 Copay 30% Coinsurance After Applicable Copay Not Covered *Quest Diagnostics is the preferred lab for blood work through Aetna. When using a lab other than Quest, please be sure to confirm they are contracted with Aetna s Open Access Managed Choice Network prior to receiving services. **Out-of-Network Balance Billing: For information regarding Out-of-Network Balance Billing that may be charged by an out-ofnetwork provider, please refer to the Summary of Benefits and Coverage (SBC). ***A $2,500/$5,000 pharmacy cost share maximum is included in the in-network Calendar Year Out-of-Pocket Limit. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 5

10 Dental Insurance: Delta Dental DeltaCare DHMO Plan (State of Florida Only) Delta Dental Customer Service: (800) The City offers dental insurance through Delta Dental to all benefit eligible retirees. A brief description of the Delta Dental DeltaCare DHMO Plan is provided below, and the retiree costs per month are shown on the premium table above. A summary of benefits is provided on the following page. For detailed coverages, exclusions and stipulations, please refer to the carrier s benefit summary or contact Delta Dental s Customer Service. In-Network Benefits The DHMO plan is an in-network only plan that requires you to select and receive services from a Primary Dental Provider. In order to receive services, you can select any participating dentist in the network. This dental plan utilizes the DeltaCare USA Network. The DHMO plan s schedule of benefits is set forth by the Patient Charge Schedule (fee schedule), which is highlighted on the following page. Please refer to your plan s certificate of coverage for a detailed listing of charges and what is covered. Out-of-Network Benefits The DHMO Plan does not cover any services rendered by out-of-network facilities or providers. How to Locate a Provider To search for a participating provider contact customer service or visit In the Find a Dentist box to the right, complete the search criteria, choosing DeltaCare USA as your network type from the drop down and click search Calendar Year Deductible There is no calendar year deductible that needs to be met on this plan. Calendar Year Benefit Maximum This plan is not subject to any benefit maximums. DeltaCare DHMO Plan (State of Florida Only) Monthly Premiums Tier of Coverage Regular Retirees Game Retirees (62-65) Executive Retirees Retiree Only $14.53 $0.00 $0.00 Retiree + 1 Dependent $27.27 $13.12 $6.56 Retiree + 2 or more Dependents $36.68 $22.05 $11.03 Please Note the Following: Each covered family member may receive up to 2 free cleanings per calendar year (1 every 6 months) covered under the preventive benefit. Members can also receive an additional cleaning at the charge of copay. Should you need to see a specialist under this plan (Oral Surgeon, Periodontist, Orthodontist, Pediatric Services, etc.); you must be referred by your Primary Dental Provider. Prior authorization is not required for specialty referrals for Endodontic and Pediatric Services. Waiting periods, age limits and plan limitations for certain services may apply. Services may be denied if your selected Primary Dental Provider is not utilized. Please contact Delta Dental s Customer Service to confirm or change your selected provider. Pediatric services are limited to children to age seven; unless medical necessity is approved by Delta Dental. 6 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

11 Dental Insurance: Delta Dental DeltaCare DHMO Plan At-A-Glance Network Calendar Year Deductible (CYD) Per Member Per Family Calendar Year Maximum DeltaCare USA In Network Only Does Not Apply Does Not Apply Does Not Apply Class I: Preventive Services Code In Network Routine Oral Exam 0120 $0 Routine Cleanings (1 Every 6 Months) 1110/1120 $0 Bitewing X-rays (4 Films; 1 Series Every 6 Months) 0274 $0 Complete X-rays (1 Set Every 2 Years) 0210 $0 Fluoride Treatments up to Age 16 (To Age 19; Every 6 Months) 1203 $0 Sealants - Molars (Up To Age 15) 1351 $10 Copay Emergency Care to Relieve Pain (During Regular Hours) 9110 $10 Copay Class II: Basic Services Code In Network Fillings (Amalgam; 3 Surface: Primary or Permanent) 2160 $0 Fillings (Composite, 3 Surface: Anterior/Posterior) 2332/2393 $0 Copay / $65 Copay Deep Cleaning (1 Per Year) 4355 $50 Copay Periodontal Maintenance (1 Every 6 Months) 4910 $35 Copay Simple Extractions (Erupted Tooth / Exposed Root) 7140 $5 Copay Surgical Removal of Tooth (Erupted / Impacted) 7210/7240 $45 Copay / $95 Copay Root Canal Therapy (Molar)* 3330 $335 Copay Local Anesthesia 9215 $0 Class III: Major Services Code In Network Crowns (Porcelain Fused to High Noble Metal)** 2750 $355 Copay Dentures 5110/5120 $285 Copay Bridges 6241 $255 Copay Class IV: Orthodontia (Lifetime Maximums) Services Code In Network Benefit Child (To Age 19) 8070/8080 $1,900 Benefit Adults and Dependent Children (Ages 19-25) 8090 $2,100 Evaluation 8660 $25 Copay Records/Treatment Planning 8999 $100 Copay Retention 8680 $275 Copay *Excluding final restoration. Please Note: You must receive services from facilities and providers in the DeltaCare USA Network for benefits to be covered. The above summary has been provided as a convenient reference. For a full listing of covered services, please see the plan s Schedule of Benefits or contact Delta Dental s Customer Service. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 7

12 Dental Insurance: Delta Dental PPO Plan Delta Dental Customer Service: (800) DeltaCare DHMO Plan (State of Florida Only) Monthly Premiums Tier of Coverage Regular Retirees Game Retirees (62-65) Executive Retirees Retiree Only $32.30 $0.00 $0.00 Retiree + 1 Dependent $65.88 $33.58 $16.79 Retiree + 2 or more Dependents $ $80.47 $40.24 The City offers dental insurance through Delta Dental to all benefit eligible retirees. A brief description of the Delta Dental PPO Plan is provided below, and the retiree costs per month are shown on the premium table above. A summary of benefits is provided on the following page. For detailed coverages, exclusions and stipulations, please refer to the carrier s benefit summary or contact Delta Dental s Customer Service. In-Network Benefits The dental PPO Plan is open access and allows you to receive services from any dental provider without selecting a Primary Dental Provider (PDP) and does not require referrals to specialists. The PPO plan provides benefits for services received from in-network and out-of-network providers. The network of participating dental providers the plan utilizes is the Delta Dental PPO Network and you will save more by utilizing a dental provider in this network. Using a Dental PPO Dentist will provide dental benefits at a charge that has been contractually agreed upon called the PPO Dental Fee or allowed amount. The PPO Dental Fee, or allowed amount, is the maximum amount a Dental PPO Provider can charge a member for a service. You are responsible for a Calendar Year Deductible (CYD) and then coinsurance, based on the plan s Maximum Plan Allowance (MPA) charge limitations. Please Note: If you are not able to use a Delta Dental PPO Provider, you may receive services from a Delta Dental Premier Provider. Delta Dental Premier Providers are considered out-of-network dentists. The dentists have agreed to accept Delta Dental s Maximum Plan Allowance (MPA) for each single procedure however, the provider may still bill for the difference of the MPA and the Premier Dental Agreement amount. You are responsible for verifying whether the treating Dentist is a PPO Dentist or a Premier Dentist. Out-of-Network Benefits Providers who do not contract with insurance carriers because they do not accept their discounted fees are referred to as non-participating or out of network. Out-of-network benefits are used when members receive services by a Delta Dental Premier Dentist or a Non-Delta Dental provider. Understanding how your insurance company pays for out-of-network services is important because you will usually pay more. Delta Dental reimburses out of network services based on what it determines the Maximum Plan Allowance (MPA). The MPA may vary by the type of participating Dentist. The MPA can be defined as the most common charge for a particular dental procedure performed in a specific geographic area. The difference between the MPA amount and the dentist s higher billed charged amount is called balance billing. Balance billing is in addition to any applicable plan deductible or coinsurance responsibility and will increase the amount you pay after you receive your maximum reimbursement for the provided service. Using a Non-Delta Dental provider will usually mean the highest out-of-pocket costs and there is no limit to the amount the dentist may charge. You would be responsible for all dentist fees not covered by the plan s allowance when services are received from an out of network provider. How to Locate a Provider To search for a participating provider, contact Customer Service or visit In the Find a Dentist box to the right, complete the search criteria choosing Delta Dental PPO as your network and click Search. You may further filter your search results from here, by selecting either Delta Dental PPO or Delta Dental Premier in the network selection section to the left of your search results. Calendar Year Deductible There is a $50 individual and $100 Family Calendar Year Deductible (CYD) that must be met either in or out of network before most benefits will begin. The deductible is waived for diagnostic and preventive services. Calendar Year Benefit Maximum The maximum benefit the dental PPO plan will pay for each covered member, per Calendar Year, is $1,500 for in or out of network services combined. Once the plan pays $1,500 for services for that member, your plan benefits will cease until the next Calendar Year. Diagnostic and Preventive Services accumulate towards this Calendar Year Benefit Maximum. 8 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

13 Dental Insurance: Delta Dental PPO Plan At-A-Glance Network Delta Dental PPO Calendar Year Deductible (CYD) In Network Out of Network Per Member $50 Per Family $100 Waived for Class I Services Calendar Year Benefit Maximum (Includes Class I, II, & III Service) In Network Out of Network Per Member $1,500 Class I Services: Diagnostic & Preventive In Network Out of Network* Routine Oral Exam Routine Cleanings (2 Per Year) Plan Pays: 100% Plan Pays: 100% Deductible Waived Bitewing X-rays (2 Per Year) Deductible Waived (Subject to Balance Billing) Complete X-rays (1 Every 3 Years) Class II Services: Basic Restorative In Network Out of Network* Fillings (Amalgam) Simple Extractions Deep Cleaning Plan Pays: 80% Plan Pays: 80% Endodontics (Root Canal Therapy) After CYD After CYD (Subject to Balance Billing) Periodontics Oral Surgery General Anesthesia (Limitations Apply) Class III Services: Major Restorative In Network Out of Network* Crowns Plan Pays: 60% Plan Pays: 60% Dentures After CYD After CYD (Subject to Balance Billing) Bridges Class IV Services: Orthodontia In Network Out of Network* Lifetime Deductible $50 Per Member Benefit Maximum $1,000 Benefit - Adults and Children Plan Pays: 50% Plan Pays: 50% (Subject to Balance Billing) Yes *Out-of-Network Balance Billing: For information regarding Out-of-Network Balance Billing that may be charged by an out-ofnetwork provider, please refer to the precious page. Please Note the Following: Each member may receive up to 2 routine cleanings per calendar year under the preventive dental benefit. Waiting periods, age limits and plan limitations for certain services may apply. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 9

14 Wellness with Aetna Healthy Commitments SM Program The City of Miramar is committed to health and wellness, and continues to adopt health plans that encourage retirees and their dependents to learn to make healthier choices, and ultimately, live healthier lives. The goal of the City is to provide a wellness program that will engage and encourage retirees to be healthy and to provide tools and educational programs that will help us achieve our wellness goals. We are all very excited to continue our mission to bring the retirees of the City of Miramar the best educational programs, disease management programs, fitness programs, and the best overall wellness program in the state! Our partners at Aetna give retirees the tools to stay on track with the Aetna Healthy Commitments SM Program. With the Healthy Commitments SM Program, you take the first steps toward a new healthier you. We encourage all of our City retirees to participate in our wellness program. Please join us in becoming one of the healthiest cities in Florida! Employee Claims Resource Do you have a question about how a claim was paid? Are you receiving bills from your provider and not understanding why? Do you want a better understanding of how your benefits work? The City of Miramar has worked with the Gehring Group Team to come up with a solution! We are excited to announce that Gehring Group has a team of claims specialists to assist you with these concerns. You can contact a claims specialist in one of the following ways: 1. cityofmiramar@gehringgroup.com Be sure to include your name, a brief description of your concern, and your contact information. A Gehring Group Claims Specialist will contact you via a secure or phone call to gather additional information that may be necessary to further assist you. OR 2. Call: (800) Be sure to identify yourself as a retiree of the City of Miramar and ask to speak to a Claims Specialist. You will be immediately directed to a Gehring Group Claims Specialist who will be more than happy to help you. Office hours are Monday through Friday from 8:30am 5:00pm. If you should call after office hours please leave a message indicating that you are a City of Miramar retiree that would like to speak to a Claims Specialist. Be sure to leave your phone number in the message and a Claims Specialist will be sure to contact you within the next business day. Our goal is to ensure that these issues are resolved as quickly as possible, as we sympathize and understand the hardship that this may cause some retirees. 10 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

15 Notes Use this section to make notes regarding your personal benefit plans or to keep track of important information such as doctor s names and addresses or prescription medications. All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract. 11

16 DRAFT Fairchild Gardens Ave., Suite 202 Palm Beach Gardens, Florida Toll Free: (800) ; Fax: (561) Last Modified: October 29, :20 PM