April is the first Open Enrollment period of the year for the LAFRA PPO Medical and Kaiser plans. Open enrollment will occur this month for coverage effective July 1, 2021. This is the period of time to make any needed changes such as adding dependents or switching into the best medical plan available to LAFD members and their families. If you do not apply or make the necessary changes during this Open Enrollment period in April, you will have to wait until October’s Open Enrollment period, unless you have an IRS qualifying event.
The Medical Committee and Full Board approved the 2021 plan renewal at our March Board meeting. LAFRA’S PPO retiree plan renewal requires a reduction, and for active members, it will be flat. LAFRA’s Kaiser plan for active and early retirees requires an increase in plan renewal which will cause the monthly out of pocket to increase as well, while Members in Medicare who are enrolled in LAFRA’s Kaiser plan will see a decrease in plan renewal effective July 1st, 2021.
On March 4th, 2021, a presentation of the Medical plans renewal was provided to the Los Angeles Fire and Police Pension Board to determine “Suitability” as a board approved plan. July 1st, 2021 starts the fourth year of the current contract in place with LAFPP for LAFRA to provide our retirees with Medical Plan Benefits. LAFRA has agreed to present our plans renewal at this early timeline in hopes the LAFPP Board will make a determination on the Non-Medicare subsidy, allowing LAFRA to provide you with the correct plan cost prior to open enrollment in April. Unfortunately for ALL retiree’s, LAFPP will not make a decision on our plan’s suitability or discuss the Non-Medicare subsidy until the April 1st Board meeting. As soon as this subsidy discussion and approval takes place, LAFRA will provide the updated costs for the early retiree population.
Last month, you received a Member Summary Report or (RAP SHEET). Please open it and read BOTH sides of this important document to verify all your dependents and coverages. It will provide you with all the current information that LAFRA has on file. In the Relief Box, the sheet will show your current Relief Dues, Life and Accident coverage, and/or (LTC) Long Term Care coverage if purchased. Lastly, it will also show if you are contributing to Widows, Orphans & Disabled Firefighter’s Fund. If you aren’t currently contributing, please consider it.
Speaking of Long-Term Care below is the explanation.
Core LTC Benefit for Active Members
Active members enrolled in the PPO Medical Plan are automatically enrolled in the LTC Core Plan which provides a $1,500 monthly benefit for facility or home care up to two years after a 90-day elimination period. Core coverage is guaranteed and paid for by the Los Angeles Firemen’s Relief Association.
Core LTC Benefit for Retired Members and Surviving Spouses
Retired members and surviving spouses can apply for coverage in the LTC Core Plan which provides a $1,500 monthly benefit for facility or home care up to two years after a 90-day elimination period. You must complete a Group Application which includes a statement of health and medical underwriting. If you are approved for coverage, the Relief Association will contribute $9.15 per month toward the cost of LTC Core Plan coverage.
For More Information
To learn more about your LTC insurance, download the FAQ pamphlet, call Unum at (800) 227-4165, and visit the web site, LAFRALTC.com and click on the seminar tab.COVID-19 caused a reluctance for some to seek care and some non-emergency services to be suspended. We expect to see deferred claims hit the 2021 plan year. The 2021 Segal Health Plan Trend Survey estimates that COVID-19 will increase 2021 trend by 11.3%. Your LAFRA Board will continue the work and strive to provide the best medical benefits at an affordable cost.
Be safe out there!
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