Health Plan
The city of Richmond offers health care coverage to eligible employees through CIGNA. These health care plans are considered Open
Access Plus products and no referrals are needed under all three plans. There are three plan choices, and they are as follows:
Please review the CIGNA Healthcare Booklets below, which outline the benefits provided under each plan in more details.
When you choose in-network providers, your costs are lower. However, options 1 and 2 provide you access to providers who are not in-network,
but you will pay a larger share of the cost.
Each plan provides coverage for medical, hospitalization, prescription drugs, vision, behavioral health, wellness services, and a
national network. However, networks are not guaranteed and may change during the contract year.
The rates for each plan are as follows:
CIGNA Health Care
| Actives | Total
Monthly | City Portion
Monthly |
Employee
Monthly | Employee
Bi-Weekly | COBRA
Monthly |
| Option 1 - OA-P1 - 15/30 (comparable to PPO) |
|---|
| Employee Only | $436.80 | $358.60 | $78.20 | $39.10 | $445.54 |
| Employee + One | $982.84 | $610.74 | $372.10 | $186.05 | $1,002.50 |
| Employee + Family | $1,419.67 | $804.45 | $615.22 | $307.61 | $1,448.06 |
| Option 2 - OA-P2 - 20/40 (comparable to POS) |
|---|
| Employee Only | $424.40 | $352.22 | $72.18 | $36.09 | $432.89 |
| Employee + One | $954.87 | $597.89 | $356.98 | $178.49 | $973.97 |
| Employee + Family | $1,379.25 | $779.21 | $600.04 | $300.02 | $1,406.84 |
| Option 3 - OA-P3 - 20/40 (comparable to HMO) |
|---|
| Employee Only | $412.08 | $358.60 | $53.48 | $26.74 | $420.32 |
| Employee + One | $927.21 | $610.75 | $316.46 | $158.23 | $945.75 |
| Employee + Family | $1,339.31 | $804.45 | $534.86 | $267.43 | $1,366.10 |
A summary of health care benefit highlights is provided below:
|
Option Access Plus
Option 1 |
Option Access Plus
Option 2 |
Option Access Plus
Option 3 |
|
In Network | Out-of-Network |
In Network | Out-of-Network |
In Network | Out-of-Network |
| Deductible - what you pay before the plan pays |
None | $150/$300 |
None | $100/$100 |
None | N/A |
| The most you'll pay out-of-pocket |
$1500/$3000 | $1500/$3000 |
$1500/$3000 | $1500/$3000 |
$2000/$4000 | N/A |
| Office Visit (PCP or Specialist) |
$15 PCP
$30 Specialist | 30% after plan deductible |
$20 PCP
$40 Specialist | 30% after plan deductible |
$20 PCP
$40 Specialist | N/A |
| Emergency (ER) and Urgent Care (UC) |
$100/$30 | Care will be provided at in-network levels if true emergency |
$200/$40 | Care will be provided at in-network levels if true emergency |
$100/$50 | N/A |
| In-patient and Outpatient services |
$300 per adm/$150 per visit | 30% after plan deductible |
$250 per day ($1250 cal yr max) / $300 per visit | 30% after plan deductible |
$500 per adm / $200 per visit | N/A |
Vision Plan
The city's vision care plan provides coverage for regular eye exams, lenses and frames are also provided through our medical contract with
CIGNA. The Vision Plan is part of CIGNA Medical Plan and is provided at no additional cost to you.
Through CIGNA, you and your eligible family members pay a co-payment for covered services when received by participating doctors or you can be reimbursed up to coverage limits for any covered services received by non-participating doctors by submitting
a claim form.
Prescription Drug Benefits
Prescription drug coverage is offered as part of your medical plan coverage with CIGNA at no additional premium cost to you. You and
your covered family members pay co-payments at the time of purchase for generic, brand, and non-preferred brand medications.
The city's plan has cost incentives in place for you to use plan features such as generic drugs and the mail order option for
longer-term "maintenance" drugs. Using the mail-order service and generic drugs (when available) costs you less per prescription
and also saves the city money, which helps keep our overall benefits costs down. For more information on the prescription drug plan,
you can go to the "Pharmacy" tab on
myCIGNA.com or call 1-800-835-3784.
Dental Plan
Delta Dental of Virginia is the city of Richmond's dental provider of choice. The employee has the option of choosing between two
plans, DeltaCare and
Delta PPO Plus Premier.
If the employee chooses the DeltaCare Plan, he/she must select a Dentist from the Network of Providers under the DeltaCare panel for
dental care. If the employee chooses the Delta PPO Plus Premier Plan, services are available through two networks -
Delta Dental PPO and
Delta Dental Premier.
The out-of-pocket costs will be determined based upon the network of which the provider participates.
If the employee's dentist does not participate in either network, the employee may still have coverage but may be required to pay more of the costs. Deductions are processed on a pre-tax basis during the first and second pay periods of each month.
Dental Rates for Each Plan
These rates are for the plan year 7/2/1010 through 6/30/2011.
| Actives |
Total
Monthly |
Employee
Monthly |
Employee
Bi-Weekly |
COBRA
Monthly |
| DHMO Deltacare |
|---|
| Employee Only | $16.04 | $16.04 | $8.02 | $16.04 |
| Employee + One | $29.98 | $29.98 | $14.99 | $29.98 |
| Employee + Family | $44.78 | $44.78 | $22.39 | $44.78 |
| Delta PPO / Permier Services |
|---|
| Employee Only | $21.18 | $21.18 | $10.59 | $21.18 |
| Employee + One | $40.50 | $40.50 | 20.25 | $40.50 |
| Employee + Family | $69.00 | $69.00 | $34.50 | $69.00 |
Tuition Assistance Program
The city values continuing education and considers it a vital part of employee development. The Tuition Assistance Program encourages a qualified person to remain in city services; to aid in attracting desirable new employees; to improve the quality of leadership in city Operations; and encourages continued training and education for potential advancement in city services. Details of eligibility, conditions and limitations of reimbursement and application procedures are found in A.R. 7.6.
Additional information and application forms for the Tuition Assistance Program can be obtained by contacting through email or by reaching us at (804)646-5660.
Group Life Insurance
Full time permanent employees are covered for twice their annual salary rounded to the higher thousand dollars. In the event of accidental death, coverage is for four (4) times the employees annual salary. In the event of dismemberment as defined in the policy, coverage is an amount equal to the annual salary. This plan is mandatory and the City pays a portion of the cost. Deductions are processed on an after tax basis the second pay period of each month. The plan is administered by the Virginia Retirement System (VRS) and underwritten by the Minnesota Life Insurance Company.
Employees with basic group life insurance coverage are also eligible to purchase additional life insurance coverage for themselves, their spouse, and dependent children through the Optional Group Life Insurance Plan.
Optional Group Life Insurance
The VRS optional group life insurance provider is Minnesota Life. Members who are covered for basic group life insurance may purchase optional group life insurance coverage in an amount equal to one, two, three, or four times salary, not to exceed $500,000. Members are responsible for paying the premiums for optional life insurance coverage through payroll deductions.
Participants must buy this coverage within 30 days of date of hire. Spouses may be added to the optional life insurance program within 30 days of marriage. Participants may add a newborn within 30 days of the date of birth.
If a participant does not purchase optional coverage as a new employee and later requests coverage, each family member to be covered must complete a health status declaration. Based on this information, Minnesota Life will decide whether or not to issue a policy.
The additional coverage ceases upon service termination (conversion option available) and upon retirement. Participants may continue coverage after retirement by applying within 30 days with the VRS.
Deferred Compensation Program
A Deferred Compensation program is a program that allows you to invest today for your retirement. Federal and (in most cases) state income taxes are deferred until your funds are withdrawn, usually during retirement when you may be in a lower tax bracket.
Government employees are regulated under Section 457 of the Internal Revenue Code. Private employers have Section 401(K) programs.
All full-time employees may join the program upon date of hire. Deferrals will begin on the earliest payday following receipt of the enrollment form in the Department of Human Resources based on payroll closing deadlines.
You may contribute up to $16,500.00 of your gross earnings for calendar year 2009. There are pre-retirement catch up provisions available as you near your retirement. The City requires a minimum of $5.00 each pay period in order to join the program.
There are over 25 investment funds available to you. The vendor also sets up different portfolios of funds to assist you.
More details about the funds, earnings rates, investment fees and risk factors are available in the brochures and at www.icmarc.org .
You may change your deferral amount (increase, decrease, start or stop) by completing a change form. You may do this each pay period. You may change your investments/allocations directly with the vendor by telephone or Internet. Some restrictions may apply when transferring between funds.
If you have not had deferrals for two years and your account is under $5,000, you may have your funds while still working. This is a one time only offer. You may rejoin the program at any time.
An emergency withdrawal may be made for medical reasons or crises such as floods, fire, hurricanes, potential loss of your primary residence etc. The event must be unforeseen. It must be unbudgetable. It must represent a last resort. It must be fully documented. However, you can borrow up to 50% of your current account balance. Only one loan is allowed per calendar year.
