Health Care

Plan Information

Retiree Health Reimbursement Account (HRA) Information City of Detroit Police and Fire Retiree Health Care Trust

As of January 1, 2015, your retiree health care benefits have been provided by the City of Detroit Police and Fire Retiree Health Care Trust (the “VEBA”). 2016 Open Enrollment is currently underway. Open enrollment materials from the VEBAs vendors include: Automated Benefit Services (ABS), Aetna and HAP are available on this site.

This will be a passive enrollment. If you do nothing during open enrollment and you had BCBS or BCN, as of 1-1-2016 you will now have Aetna. You will want to check to make sure your doctor is in the Aetna network.

Register Here ›


General Plan Information

The VEBA will offer two Medicare Advantage plans for the 2016 calendar year:

  • A PPO option will be offered through Aetna
  • An HMO plan will continue to be offered through the Health Alliance Plan (HAP).

Non Medicare Eligible and Medicare Eligible Opt Outs can participate in the HRA.

Aetna

Coverage levels under the Aetna Medicare Advantage plan are improved for 2016 with decreased prescription co-pays and a decreased out-of-pocket maximum for medical expenses. The cost of the Aetna PPO Medicare Advantage plan to VEBA participants will remain unchanged from current (2015) monthly contribution levels for the BCBS PPO plan. If you were enrolled in the BCN plan and you move into the AETNA plan, you will now have a cost of $29.43

HAP

Coverage levels under the HAP Medicare Advantage plan will remain the same for 2016. The cost of the HAP HMO Medicare Advantage plan to VEBA Participants will increase from $0.00 to $8.29 in 2016.

Health Reimbursement Account (HRA)

Get treatment from a provider, purchase an eligible item, or receive an eligible service, fill out a claim form and return with documentation to Automated Benefit Services for reimbursement.

The VEBA will continue to provide benefits to non-Medicare eligible VEBA participants through a HRA. Medicare eligible VEBA participants electing to opt-out of the VEBA’s Medicare Advantage plans will also receive monthly contributions to the HRA. Monthly HRA benefits available to eligible VEBA participants will remain unchanged in 2016 at the following amounts:

Non-Medicare Eligible (pre-65)
$120
Medicare Eligible Opt-Out $115
*Non-Medicare Eligible Spouse w/≤ $75K Household Income on Public Exchange $120
*Below FPL in Non-Medicaid Expansion State $145.58 *Non-Medicare Eligible w/≤ $75K Household Income on Public Exchange   $170
Over 65 Non-Medicare Eligible
$295
Non-Medicare Eligible Duty Disabled $395

*Verification is required for these classes.

Dental/Vision

Dental and Vision coverages are voluntary, you are responsible for the full cost of the Dental and/or Vision plan you choose. The Board of Trustees of the VEBA has decided that they will offer 2 dental plans through Delta Dental and 1 vision plan through VSP from COPS Trust during this open enrollment.

Retiree Health Reimbursement Account (HRA) Information City of Detroit Police and Fire Retiree Health Care Trust

Open Enrollment & Online Access

Plan participants have access to their online account through the participant portal where they can update their personal information, view claims history, submit claims, check balances, and access plan forms and documents.

Once you are registered, you can also submit claims. The Website will allow you to create your own login and password.

  • If you are registered for online account access, just log in as normal. 
  • If you forgot your username and/or password, click on "Forgot Password". Your User Name and temporary password will be emailed to you. 
  • If you are not already registered for online account access you will need to complete registration. 

Step 1: Visit https://lin.abs-tpa.com/lin/faces/LinLogin.jsp and click on the “Register” button at the upper right hand of the screen. You will need the following information to register your account: 

  • Last Name 
  • E-mail Address: (E-mail address are required to access your account on-line) 
  • Social Security Number 
  • Choose a User Name and Password 
  • Date of Birth

Do not forget to review and accept the 'Terms and Conditions'. Shortly after registering for online access you will receive an e-mail confirmation with a temporary password.

Health Care FAQ's

View all Health Care FAQ's »

I purchase health insurance on a public healthcare exchange and receive federal tax subsidies. Will the HRA affect these subsidies?

Please be aware that HRAs are considered to be group health plans within the meaning of Internal Revenue Code § 9832(a); Section 733(a) of the Employee Retirement Income Security Act of 1974 (ERISA); and Section 2791(a) of the Public Health Service Act. If you are currently purchasing health insurance on a public healthcare exchange, HRA coverage through the RHC Trust will be considered "other health coverage" and may result in your ineligibility for federal tax credits on the public exchanges. Therefore, if you are currently receiving federal tax credits, you may want to opt-out of coverage under the RHC Trust in order to preserve your eligibility for such tax credits on the public health exchanges.

Posted in: Health Care

I qualified for and am receiving the HRA contribution of $50 and the spouse contribution of $125. Will I still receive these HRA contributions?

Yes, you may continue to receive HRA contributions, however you will be asked to verify that you still meet the program qualifications for the HRA contributions.

Posted in: Health Care

I am a Medicare-eligible retiree, but my spouse qualified for the $125 additional HRA contribution. Will my spouse receive the HRA?

In this instance, an HRA will be set-up in the name of the retiree and will be credited each month with the amount of the additional spouse HRA contribution.

Posted in: Health Care

What happens if I do not opt-out of the HRA?

You will be automatically enrolled in the HRA and your account will be credited each month in the amount of your current stipend. Failure to opt-out in writing will result in your default enrollment in the RHC Trust's HRA coverage and as such, if you are currently purchasing health insurance on a public healthcare exchange, HRA coverage through the RHC Trust will be considered "other health coverage" and may result in your ineligibility for federal tax credits on the public exchanges.

Posted in: Health Care

Nov

03

Active Employees married to a City of Detroit Retiree are now eligible to enroll their spouse for health care coverage effective January 1, 2017

Please visit the online system www.mydetroitbenefits.com to enroll your retired spouse. Eligibility Documentation is required. You may also call toll-free (855) 224 6200 to compl...

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Feb

23

Statement from the Police and Fire Retirement System:

We applaud Mayor Duggan for addressing the issue of the projected pension system funding shortfall. We also appreciate his renewed commitment to fully funding Pensions for all Detr...

Read More »