Open Enrollment
10/16/2023 - 11/12/2023

The goal of the IAFF Local 587 Health Insurance Trust Fund is to provide our members with
comprehensive and affordable health benefits to help you live a happier and healthier lifestyle.

Open Enrollment for IAFF Local 587 Health Insurance Trust Fund (Trust) will run from Monday, October 16th, 2023 until Sunday, November 12th, 2023. This will be a passive enrollment, which means you do not have to log in to the system if you are not making changes. If there are no changes, your current elections will roll over to the next year.  If you do need to make changes for 2024, you must make the changes prior to the close of the Open Enrollment Period.  To make these changes, simply follow the instructions in the open enrollment package.

Some of the enhancements that are scheduled to start in calendar year 2024 for all our members include: 

• Increase in your Health Reimbursement Account: Single employees will receive $750 for the year, Married or Single and Child(ren) will receive $1,500 for the year and Family will receive $2,250 for the year. A 50% increase!
• Advanced Eye Care Reimbursement:  In 2024 we will increase your eye care benefit to cover any FDA approved procedure to improve your eyesight up to a $5,000 maximum lifetime benefit. (Currently Lasix is covered for $1,000 an eye with a $2,000 maximum benefit.)
• Fertility:  In 2024 the Trust will start covering certain procedures to assist our members with addressing fertility needs.
• PeerFit by Fiton:  The Trust will be adding a new wellness benefit to complement our current Ignite Wellness Program. The Peerfit program gives you credits each month that you can use to join a gym, take yoga classes or use points to participate in any of the multiple programs offered at no additional cost to you.

For Active Employees this will be the second year in a row there will be no increase in contributions for your health insurance coverage.  

For the Non-Medicare Retirees there will be a significant reduction in contributions for your 2024 health insurance coverage.  I am also happy to report that in 2024 we will continue to enhance our benefits for all our members to give you great medical, dental, vision, and mental health benefits, at an affordable price.

The 2024 rates for Non-Medicare Retirees are:

• Employee only coverage drops from $352 a month to $250 a month in 2024.  A savings of $1,224 a year.
• Employee + Spouse or Domestic Partner coverage drops from $798 a month to $555 a month in 2024.  A savings of $2,916 a year.
• Employee + Child(ren) coverage drops from $671 a month to $475 a month in 2024.  A savings of $2,352 a year.
• Family coverage drops from $1,057 a month to $750 a month in 2024. A savings of $3,684 a year.

For the Medicare A&B Retirees, in 2024 you have the option to move to Cigna's Medicare Advantage Plan. The new plan offered through Cigna, will be called True Choice Medicare Advantage Plan and will provide a substantial savings over your current rates. (AETNA will no longer be offered.)  Members that move to the True Choice plan will also have the added comfort of knowing the plan will be offered by our long-term partner, Cigna.

If you are on Cigna’s Plan as secondary to Medicare, but are eligible to join the True Choice Medicare Advantage Plan, you can save on your monthly premiums and receive a variety of new and extra benefits that are not available in our traditional plan by moving to the True Choice Plan. 

2024 rates for the True Choice Medicare Advantage Plan are:

• Member Only Coverage: The True Choice Medicare Advantage Plan rates will be $100 a month, compared to the $250 a month rate for the traditional Medicare Plan. A savings of $150 a month or $1,800 a year.
• Rates for Member plus Spouse/Domestic Partner: The True Choice Medicare Advantage Plan rates will be $250 a month, compared to the $555 a month rate for the traditional Medicare plan.  A savings of $305 a month or $3,660 a year.

The Cigna True Choice Medicare Advantage Plan also has:

• No deductibles
• No out-of-pocket expenses for covered medical services
• Freedom to go to any doctor, hospital or clinic that accepts Medicare and willing to accept Medicare allowable payments by Cigna, with no contract.
• No out-of-network up-charges
• 100% coverage for the covered medical services after your monthly premiums
• Includes an annual $1,000 maximum out-of-pocket for covered prescription medicine.
• The current Cigna Dental program is included at no additional cost
• Includes the same Vision Program you currently enjoy with Cigna
•  A dedicated Cigna team to assist with any issues your current Medicare health provider may have with you moving to Cigna Medicare Advantage

For those members that are not eligible for the Medicare Advantage Plan, or choose not to belong to the plan, there will be a slight decrease in rates and some additional enhancements made to the benefits.  The rate reduction is less in the traditional Cigna Medicare Plan because the Trust has a much higher liability when a member is in the traditional Medicare Plan than the Medicare Advantage Plan.