The site provides information for benefit changes and other items related to the impact of the COVID-19 pandemic. Below is a short video about the Coronavirus and what we can all do to help stop the spread.
Medical Plan Benefits
- All COVID-19 testing and treatment will be covered by the medical plan at 100% through December 31, 2020.
- If you are on the City’s Medical Plan, you can contact Cigna about testing sites near you at 800-244-6224.
- View Cigna's Symptom checker, search engine for testing/screening locations, and the option for At-Home Covid-19 testing at this link.
- You can also use Cigna’s Covid19 testing site search engine online. Click on this link in order to view the search engine for testing sites. Call the site in advance to see if you are eligible for testing. Bring your Cigna health ID with you so they can easily run your insurance information.
- Telemedicine – Virtual Dr. Visits will be covered with a $0 cost to our employees. Remember this service is available for non-complex type of medical issues. Click here to see more about telemedicine and how to see a virtual doctor.
- If you are on the Cigna Dental PPO plan, Cigna offers members their Dental Virtual Care benefit. This is a $0 consult fee. Due to the possibility of dental office closures, Cigna started offering virtual dental consult visits to their telehealth benefits. You can see a licensed dentist 24/7 virtually for a consult. Visit the Telehealth page here for instructions on how to access this benefit.
- Prescription medication refill too soon and prior authorizations
- Standard refill policies still apply, which allows members to refill or renew a prescription when 25%-35% of their current prescription is remaining. If we implement overrides prematurely, we could put a strain on the supply chain and disrupt current inventories.
- Prior Authorization – effective immediately employees with an active Cigna Pharmacy prior authorization, for traditional specialty medications with expiration between April 1, 2020 and June 1, 2020, will automatically have the prior authorization extended for 90 days.
Employee Assistance Program
We know it is a stressful time for all of us and the reason we have increased the EAP visits from 6 to 10 free visits. All employees and their eligible family members have access to the 10 free EAP visits per incident type for each family member. Due to the pandemic most providers have moved to virtual visits. Click here to see more about the EAP for how to see a provider and other resources for EAP and COVID-19.
COVID-19 MAY be covered. A positive test for COVID-19 is not by itself a Disabling condition. The employee would only be considered Disabled if they were Sick and unable to perform the Essential Duties of their Occupation due to the Sickness. If you tested positive for COVID19 you can initiate a claim with The Hartford by calling 888-458-5541. Click here for the STD page.
Worker’s Compensation and COVID-19
COVID19 is treated as a communicable disease under Worker’s Compensation and you may be eligible for benefits if it can be determined that you were exposed at work. Police and Fire employees who contract Covid19 due to exposure are presumed positive due to on the job exposure. Click here for frequently asked questions.
Families First Coronavirus Response Act (FFCRA)
The FFCRA provides paid leave under certain qualifying conditions. The City has implemented the FFCRA Act and more information about the Act and how-to file is provided here.
Flexible Spending Accounts
- Health Care Account
If you are enrolled in the Healthcare FSA account, due to Covid-19, there have been a couple of changes to the benefit. The changes were made to help employees adjust to the limited healthcare services available during this time.
- Calendar Year 2020’s $500 roll over will be increased to $550.
- Allowance of a one-time decrease to your FSA annual amount anytime during the period July 1 - December 1. The change will ONLY be allowed if your FSA healthcare account is NOT in a deficit. Meaning, if you have used FSA healthcare dollars equal to or less than the contributions paid, you are not allowed to decrease your annual amount.
If you make a change, you will have access to FSA Healthcare dollars up to your new calendar year 2020 amount. Please see example below:
|Example 1||Example 2|
|FSA Healthcare CY2020 Annual Amount||$2,700.00||$1,800.00|
|CY2020 Current Contributions (24 periods)||$112.50||$75.00|
|NEW FSA CY2020 Amount||$1,950.00||$1,300.00|
|Decrease Election per pay period||$50.00||$25.00|
|Remaining pay periods in the year||12||10|
|Changes to account made in:||July||August|
If you wish to make a change, please email firstname.lastname@example.org. Provide the NEW FSA CY2020 annual amount in your request and we will adjust your payroll contributions down according to the number of pay periods remaining in the year.
If your spouse loses his or her job and eligibility from his or her employer’s FSA plan due to the pandemic, you may enroll in the HealthCare FSA or increase your contribution. You must request the change to your benefits within 30 days of when your spouse lost coverage under his or her employer’s FSA Plan. Email email@example.com to request the change. You will need to provide supporting documentation showing your spouse’s FSA plan coverage has termed.
Under the CARES Act, you can now pay for or receive reimbursement for:
- Over-the-counter drugs and medicines without a doctor’s prescription.
- Menstrual care products (now considered a qualified medical expense) through an FSA, HRA or HSA. All expenses incurred after December 31, 2020, qualify, and the provision has no expiration date.
- Dependent Care Account
Due to the COVID19 pandemic you may be eligible to lower your dependent care account contribution if your child’s daycare or school has closed. The funds that you have already contributed to the account cannot be refunded per IRS rules. The change is for future contributions to the account and can be lowered or future contributions cancelled. You will have access to the funds you have already contributed and you will be able to increase later in the year should YOUR situation change after the pandemic. Please email firstname.lastname@example.org to request the change. Please provide the qualifying reason, such as daycare closed, working remotely etc., for the change and the reduced amount per pay period you would like for future contributions. You must request the change to your FSA within 30 days of the status change occurring. If you opt to stop participating in the plan, you may only be reimbursed for expenses from January 1, 2020 (or your start date) through the date you stop participating. It may be safer to reduce your contribution, so you can have access through the end of the year.