Health Insurance

A Message From the City of Chicago

The City again is sponsoring several fully-insured healthcare coverage options for retirees through Blue Cross Blue Shield of Illinois. For the 2019 Plan Year, Blue Cross Blue Shield ("BCBSIL") will continue to offer three Medicare Advantage Plan options for those eligible for Medicare and two Non-Medicare Plan options for those who do not have Medicare.  Certain options will have different benefit terms for 2019 than for 2018.

BCBSIL will communicate directly with the retirees as to the rates and the specific changes to their healthcare coverage options. Again this year, the City will not send a mailing to these retirees.  Please be advised that the Blue Choice Options (BCO) plan is not being offered in 2019. Therefore, those currently enrolled in the BCO plan should select either the PPO plan or the Blue Choice Select plan (a new plan offering), or they will not have insurance coverage beginning January 1, 2019. The City understands that current BCBSIL MAPD (Medicare) and PPO (non-Medicare) participants will remain enrolled for 2019 in their current BCBSIL plan unless they choose to cancel or change the health coverage directly with BCBSIL.

Non-Medicare Retiree packets were mailed the week of October 15, 2018. Medicare Advantage Prescription Drug Plan (MAPD) Annual Notice of Change and Medicare Retiree packets were mailed the week of October 29, 2018. 

The Member Service Center is ready to answer questions and is open seven days a week from 8:00 a.m. to 8:00 p.m. CT for Medicare Eligible retirees and from 8:00 a.m. to 5:30 p.m. CT, Monday through Friday for Non-Medicare Eligible retirees.  The telephone numbers are:

Medicare – 1-877-566-8520                Non-Medicare – 1-800-292-6398

Medicare Eligible Retirees MAPD Plan Options

 

2018 RATES

2019 RATES

Notes for the 2019 BCBS Plans

Option 1
$426
$426
No changes
Option 2
$275
$269
No changes
Option 3
$83
$81
No changes

Non-Medicare Eligible Retirees Coverage Options

PPO for Single
$1,514
$2,318
No changes
PPO for Couple
$2,696
$4,128
No changes
PPO for Family
$3,741
$5,728
No changes
Blue Choice Select (Previously Blue Choice Option, 
(see requirements above) 
for Single
$1,337
$1,494
Blue Choice Select is a narrow network; coinsurance of 70% in-network; co-pays apply to certain services; oter changes apply.
Blue Choice Select (Previously Blue Choice Option, 
(see requirements above) 
for Couple
$2,381
$2,659
Blue Choice Select is a narrow network; coinsurance of 70% in-network; co-pays apply to certain services; oter changes apply.
Blue Choice Select (Previously Blue Choice Option, 
(see requirements above) 
for Family
$3,303
$3,690
Blue Choice Select is a narrow network; coinsurance of 70% in-network; co-pays apply to certain services; oter changes apply.

 

Information FROM the LBA REGARDING AETNA OFFERINGS:

Many of the unions which represent City employees have taken the step of forming the Labor Benefits Association in order to sponsor health insurance coverage alternatives for annuitants. The LBA is a non-profit organization whose sole purpose is to provide benefits to participating members. LBA membership is available to any former City employee or surviving spouse of a former City employee who is receiving a retirement annuity from LABF. Eligible annuitants do not have to be a current or former union member to join. The LBA will be sponsoring several plans offered by Aetna. Enrollment will take place in late November.

Annuitants will receive introductory and enrollment materials pertaining to the Aetna plans and the LBA in the mail shortly, including an invitation to information sessions Aetna will be holding in the Chicago area.  If you do not receive these materials and are interested in learning more about the plans, please call one of the following numbers:

Questions regarding the Aetna plans may be directed to the plan administrator:

  • Doyle Rowe LTD: (866) 201-2524 (8:30 a.m. to 4:30 p.m. CT, Monday through Friday)  

Questions may also be referred to Aetna:

  • Medicare Plans: (800) 307-4830 (7:00 a.m. to 8:00 p.m. CT, Monday through Friday)   
  • Non-Medicare Plans: (866) 307-6210 (8:00 a.m. to 6:00 p.m. CT Monday through Friday)

Annuitants should inform the call taker that they are calling to learn more about the new plans offered by the LBA.

Aetna Medicare Eligible Retirees MAPD Plan Options

 

2019 RATES

Med PPO-ESA Premier Single
$     327.13
 Med PPO-ESA Standard Single
$     194.98

 

 

Aetna Medicare Eligible Retirees MAPD Waiver Plan Options

 

2019 RATES

Med PPO-ESA Waiver Premier Single
$     663.39
 Med PPO-ESA Waiver Standard Single
$     546.35

 

 

Aetna Non Medicare Eligible Retirees Coverage Options

 

2019 RATES

Non-Med Plan 1 Single
$  1,820.46
 Non-Med Plan 1 Couple
$  3,241.06
 Non-Med Plan 1 Family
$  4,497.75
 Non-Med Plan 2 Single
$  1,451.54
 Non-Med Plan 2 Couple
$  2,583.62
 Non-Med Plan 2 Family
$  3,584.55

The City makes no representations or promises that it will sponsor any future healthcare plans for non-Korshak/Window retirees after 2019. These changes do not apply to retirees who are part of the Korshak/Window group, which includes those who retired from the City prior to August 23, 1989.

They will receive a separate notice from the City regarding annuitant contribution rates for 2019.

 

 

Helpful information regarding healthcare options for annuitants who are:

Please note that the LABF is providing this information for your convenience and does not endorse any healthcare plan.

Board of Education

Chicago Public Schools (CPS) has released their Retiree Healthcare Rates for 2019. If you are a CPS Retiree who participates in their healthcare plan, please review these new rates.

Important Information for Board of Education Annuitants and Members

The LABF has been informed by the Board of Education that it will not offer retiree healthcare to employees who retire after September 1, 2013. Should you have any questions regarding this policy, please contact the BOE’s Human Capital Office at (773) 553-4748.

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