General Plan Information

Retiree Health Reimbursement Account (HRA) Information City of Detroit General Retiree Health Care Trust

As of January 1, 2015, your retiree health care benefits have been provided by the City of Detroit General Retiree Health Care Trust (the “VEBA”). The VEBA was established under the Plan of Adjustment to provide health benefits to eligible former City of Detroit employees who retired from employment as of December 31, 2014. The VEBA is managed and administered by a seven-member Board of Trustees.

The Board of Trustees has retained the services of BeneSys to act as its Third Party Administrator. Accordingly, open enrollment will be administered by BeneSys, not the City of Detroit.

2016 Open Enrollment begins November 10, 2015 and will continue through November 29, 2015. All enrollment changes received after November 29th will not be processed.

Find benefit comparisons and additional information about the various medical, dental and vision plan options.

Learn More ›

Have a Question? Contact Us!

BeneSys:

Tel: (844)563-8911
www.ourbenefitoffice.com/mydetroitretireebenefits


Other Important Contacts:

Blue Cross Blue Shield of Michigan: (866) 684-8216
TTY (800) 579-0235
Locating a Provider that Participates in the BCBS PPO Network: (800) 810-2583
Blue Care Network: (866) 966-2583
Blue Cross Blue Shield Dental PPO: (888) 826-8152
HAP: (800) 801-1770

Delta Dental PPO: (800) 524-0149
Golden Dental DMO: (800) 451-5918
Dencap Dental DMO: (888) 988-3384
Vision Service Plan: (800) 877-7195
Heritage Vision: (800) 252-2053

General Plan Information

Current providers of the VEBA’s Medicare Advantage plans (Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, and Health Alliance Plan) will be retained, however please note that monthly premiums were increased by the insurance providers for the 2016 plan year. Members will be responsible for increases in the monthly Medicare Advantage rates as of January 1, 2016.

The VEBA’s Health Reimbursement Account (HRA) program also continues at the current levels. The HRAs will be administered by BeneSys in 2016. Dental and optical insurance coverage will also be made available through the VEBA, at full cost.

Medical Coverage:

If you are currently enrolled in HAP Senior Plus HMO, BCN Advantage HMO-POS or BCBSM Medicare Plus Blue Group PPO, your medical benefits are not changing. If you do not wish to change your medical plan or dependent coverage, you do not need to take any action during the open enrollment period. Your medical benefits in place today will continue for the 2016 Plan Year.

Dental Coverage:

If you are currently enrolled in Dencap Dental, Golden Dental or Blue Cross Blue Shield Dental, your dental benefits are not changing. If you do not wish to change your dental plan or dependent coverage, you do not need to take any action during the open enrollment period. Your dental benefits in place today will continue for the 106 Plan Year. If you are currently enrolled in Delta Dental Plan A or Plan B, you will be automatically enrolled in the Delta Dental Low Plan if you do not make any plan changes.

Please note, the Delta Dental benefits have changed for the 2016 Plan Year. Please be sure to review the dental summary comparison [link to document downloads]. If you wish to choose another dental provider, you will need to make that election.

Vision Coverage:

If you are currently enrolled in Vision Service Plan (VSP), Heritage Vision Standard Plan, or Heritage Vision National Plan, your vision benefits are not changing. If you do not wish to change your vision plan or dependent coverage you do not need to take any action during the open enrollment period. Your vision benefits in place today will continue for the 2016 Plan Year.

How to Enroll

If you wish to enroll or make changes to your plan elections or covered dependents, please register at the online enrollment website.

When registering for the first time, please follow these instructions:

  1. Navigate to www.ourbenefitoffice.com/mydetroitretireebenefits
  2. Locate the Login box in the upper right hand corner of the screen.
  3. Click on “Create an Account” to get started 
  4. Once the Registration Screen appears, you will be required to enter your Member Identification Number. The number should appear on the 2016 Open Enrollment announcement letter you received via mail.
  5. Once entered, complete the fields for name, date of birth, and the last four digits of your SSN.
  6. Create a username and password for yourself. Your email address will be used to send you notification in the event you forget your user name or password.
  7. Once all information has been entered, click “Submit” at the bottom of the screen.

 

Health Care FAQ's

View all Health Care FAQ's »

I retired before January 1, 2015 and am eligible for Medicare. What are my enrollment options?

If you are Medicare eligible and retired prior to January 1, 2015, your medical plan options are:

  • HAP Senior Plus HMO (available in Michigan only)
  • BCN Advantage HMO-POS (available in Michigan only)
  • BCBSM Medicare Plus Blue Group PPO (available anywhere in the U.S.)

You must have Medicare Part A and Part B and continue to pay your Medicare Part B premium to join a Medicare Advantage plan.

Additionally, you may elect to opt out of the above Medicare Advantage plans during the open enrollment period and receive a Health Reimbursement Account (HRA). Your HRA will be credited $115 for each month you are not enrolled in a Medicare Advantage plan offered through the VEBA during 2016. You may use this account for reimbursement of out-of-pocket qualified medical expenses. Note that if you opt out of the Medicare Advantage plan and your spouse is currently covered under your Medicare Advantage plan, you and your spouse will no longer have Medical coverage.

In addition to the Medicare Advantage plans listed above, you are also eligible to enroll in optional dental and vision benefits. The dental options available, at full cost, to you and your family are:

  • Delta Dental High Plan PPO
  • Delta Dental Low Plan PPO
  • Dencap Dental DHMO
  • Golden Dental DHMO
  • Blue Cross Blue Shield Dental PPO

The vision options available, at full cost, to you and your family are:

  • Vision Service Plan (VSP)
  • Heritage Vision Standard Plan
  • Heritage Vision National Plan

Please refer to page 5 of this letter for monthly premium rate information.

Posted in: Health Care

I retired prior to January 1, 2015 and am not eligible for Medicare. What are my enrollment options?

The VEBA will continue to provide benefits to non-Medicare eligible Participants through a Health Reimbursement Account (HRA). Monthly HRA benefits available to eligible VEBA Participants will remain unchanged in 2016 at the following amounts: 

Member Category Amount
Non Medicare Eligible (Pre-65) $125.00
Non Medicare Eligible Spouse w/≤ $75K Household Income on Public Exchange $125.00
Non Medicare Eligible w/ ≤ $75K Household Income on Public Exchange $175.00
Non Medicare Eligible Duty Disabled $300.00

Although you are not eligible for Medical coverage in the Plan until your Medicare eligibility date, you are eligible to enroll in optional dental and vision benefits. The dental options available, at full cost, to you and your family are:

Dental Plan Options:

  • Delta Dental High Plan PPO
  • Delta Dental Low Plan PPO
  • Dencap Dental DHMO
  • Golden Dental DHMO
  • Blue Cross Blue Shield Dental PPO 

The vision options available, at full cost, to you and your family are: 

Vision Plan Options:

  • Vision Service Plan (VSP) 
  • Heritage Vision Standard Plan 
  • Heritage Vision National Plan

Posted in: Health Care

I retired after January 1, 2015. What are my enrollment options?

Retirees that retired after January 1, 2015 are not participants in the VEBA and are not eligible for medical coverage. You will need to obtain your own health insurance coverage for you and your dependent family members.

Although you are not eligible for Medical coverage in the Plan, the VEBA Board of Trustees have extended the option to you to enroll in optional dental and vision benefits. The dental options available, at full cost, to you and your family are:

Dental Plan Options:

  • Delta Dental High Plan PPO
  • Delta Dental Low Plan PPO
  • Dencap Dental DHMO
  • Golden Dental DHMO
  • Blue Cross Blue Shield Dental PPO

The vision options available, at full cost, to you and your family are:

Vision Plan Options:

  • Vision Service Plan (VSP)
  • Heritage Vision Standard Plan
  • Heritage Vision National Plan

Posted in: Health Care

When will my open enrollment changes take effect?

If you elected a new medical, dental and/or vision plan during the open enrollment, the coverage for your new plan will start on January 1, 2016. If you added a dependent to your medical, dental and/or vision plan, that dependent’s coverage will start on January 1, 2016. If you elected to terminate coverage during the open enrollment the coverage will end on December 31, 2015.

Posted in: Health Care

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NOTICE: The Board of Trustees is seeking applicants for the position of Executive Director. Click here for more info.