Uniform Summary of Benefits and Coverages (SBC's) for all City of Manchester Plans
Effective 7/1/13 as part of the Affordable Care Act (Health Care Reform law) employers must follow uniform standards when providing employees their Summary of Benefits and Coverage (SBC's)
Listed below are the health insurance plans available to the City of Manchester employees. Which plan is available to you depends on which union you are with and your date of hire. Please ensure that you look at the right information and complete the correct forms that correspond with your union and date of hire.
If you will be enrolling in the HDHP with an HSA account, go the the Health Savings Account tab for detailed information on the Health Savings Account.
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HEALTH INSURANCE BUYBACK PROGRAM
This program offers a cash incentive to eligible City of Manchester employees who waive their right to enroll in the City's Health Insurance plan. Cash amounts & rules are different depending on which union you are with.
Click below for your union's rules and form:
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IMPORTANT:
You must re-apply for the incentive each fiscal year! If you applied and received the incentive last year, you will not automatically get it again this fiscal year - you must re-apply for it.
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HMO / POS / HDHP Plans
These plans are for employees with Dates of Hire PRIOR TO the dates listed beside your union:
- Maps & MPPA - 02/07/2012
- MAFS - 02/21/2012
- Non-affiliates & IAFF & Library & Airport Teamsters - 03/06/2012
- AFSCME Unions - 5/1/2012
- Welfare - 06/05/2012
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80%/20% Plans
These plans are for Aldermen / Department Heads & Employees with Dates of Hire AFTER the dates listed beside your union:
- Maps & MPPA - 02/07/2012
- MAFS - 02/21/2012
- Non-affiliates & IAFF & Library & Airport Teamsters - 3/06/2012
- AFSCME Unions - 5/1/2012
- Welfare - 06/05/2012
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Legacy Plans
These plans are for Water Works Union / PDSS Union employees
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Comparison Between the Regional and National High Deductible Health Plans
The Lumenos High Deductible Health Plans are based on a plan year deductible of $2,000 for an individual coverage and $4,000 for a family coverage. You are responsible for paying 100% of your medical and prescription costs until you reach your plan year deductible amount. Once you reach that deductible amount, you are covered at 100%. Also preventive care services are covered at 100%.
Effective 7/1/12 you will have available the Regional High Deductible Health Plan. It offers the same plan design you currently enjoy under the National High Deductible Health Plan, with the added benefit of potentially lower out of pocket costs to you when you receive services. See the chart below to assist you in determining which HDHP may be best for you and your family.
| REGIONAL HDHP |
NATIONAL HDHP |
- Consists of: Contracted providers throughout the 6 New England States (NH, MA, ME, VT, RI & CT).
- Choose if: If you and your family members reside in New England year round.
- Reason for choosing: This will give you the opportunity to lower your costs because the network under this plan holds contracts with some hospitals at a far deeper discount than the National HDHP. For example, the charge for an MRI may cost you $1,100 under the National HDHP, where it would cost $800 under the Regional plan.
- Important: You must designate a Primary Care Provider
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- Consists of: Contracted providers throughout all 50 states.
- Choose if: If you and/or any of your family members live outside the New England area for an extended period of time. For example - you live in Florida for 4 months of the year or if you have a child in college outside the New England area.
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OTHER INFORMATION AND OTHER FORMS
| OTHER INFORMATION |
OTHER FORMS |
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