TO: All Benefit Eligible Employees DATE: September 10, 2018

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Augusta Booker
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1 TO: All Benefit Eligible Employees DATE: September 10, 2018 FROM: SUBJECT: Tracey Frizzell Benefits Specialist Open Enrollment All Benefits Our annual Open Enrollment is taking place from Monday, September 10, 2018 through Friday, October 5, Now is the time to review your benefits to ensure you are enrolled in the appropriate coverage for you and your family. During this time all employees must: Designate beneficiaries for the new employer-paid $50,000 life insurance benefit During this time you may: Change your medical, dental, and/or vision elections Add dependents to your healthcare benefit elections Re-certify your Cash-In-Lieu status Enroll in the FSA for Despite the previous year s election, you will need to enroll or re-enroll in the Flexible Spending Account(s) in order to participate for the 2019 calendar year. Make allowed changes to your MetLife Voluntary Life and/or Accidental Death and Dismemberment (AD&D) coverage Open Enrollment changes will take effect on January 1, 2019 and all enrollments are due by 5:00pm on October 5, Medical, dental, vision, & voluntary life insurance elections will continue as-is if you do not make any changes (EXCEPTION: Blue Shield Access+ HMO members must choose a new plan for 2019). All changes must be made online via SmartBen. Please see the Enrollment Process section on Page 2 for details. All documents referenced in this memo can be found on the District Website here: Highlighted Changes Medical: Anthem Traditional HMO and PERSCare PPO have significant cost increases in Please see the cost sheet to see how this might impact you. If you do not wish to pay the increased cost, you will need to choose a new medical plan during open enrollment. Blue Shield Access+ HMO and United Healthcare Signature Value HMO no longer offered in most Bay Area counties. If you are currently enrolled in one of these health plans, you will need to choose a new medical plan during open enrollment. PPO Plan Change Highlights o Urgent care and specialist office visit copays increasing to $35 on PERS Select, PERS Choice, and PERSCare PPO plans

2 o o PERS Select deductible increasing to $1,000 individual/$2,000 family. You may earn credits against the deductible by completing specific health actions each action will reduce your deductible by $100. Individual deductible can be reduced to $500 and family deductible can be reduced to $1,000. PERS Select office visits copays increasing to $35. However, you can enroll with a personal doctor and copays for your personal doctor will decrease to $10. Dental: Dental PPO Enhancements In-network annual maximum increasing to $2,000 (from $1,600). Out-of-network maximum remains at $1,500. Addition of a child orthodontia benefit (see plan summary for details) Addition of coverage for dental implants (see plan summary for details) Dental PPO has a new group number in 2019: DeltaCare Dental HMO There are no changes to the DeltaCare HMO in 2019, the plan is remaining as is. Vision: VSP Plan Enhancements Lenses covered every 12 months (previously was every 24 months) Frame & contact lens allowance increase to $150 (from $120) with VSP providers. Costco frame allowance increase to $80 (from $65) Employer Paid Life Insurance (New Benefit!): WVMCCD is offering a $50,000 employer paid life/ad&d insurance benefit through Guardian. Although employees will be automatically enrolled* in the benefit, you must log into SmartBen during Open Enrollment to select your beneficiaries. See plan summary for details. *Employees on leave must return to work for coverage to take effect. Payroll Deduction for Healthcare Benefits Please refer to the cost sheet for your employee group to see what your new out of pocket costs will be in If you are a percentage employee or enrolled in a non-bay Area plan, please contact HR for a cost quote. Enrollment Process You must complete all enrollment changes by Friday, October 5, The carriers will not accept changes made after that date. If you are enrolling a spouse, you must provide a copy of the marriage certificate. If you are enrolling a child, you must provide a copy of their birth certificate. All changes must be made using SmartBen, our online enrollment tool. The site is accessible via the internet at and can be accessed 24 hours a day, 7 days a week. Please see the SmartBen Open Enrollment Guide for detailed instructions on how to use SmartBen to make benefit changes. Reminders: Your SmartBen username is your Banner ID (G0 + employee ID) Your password is whatever you have chosen in the past. If you cannot recall, you may use the Recover Password link. The Recover password link requires that you enter your username and birthdate in the following format: MM/DD/YYYY (must include forward slashes)

3 If you increase your voluntary life coverage more than is allowed at open enrollment, you will be approved for the allowed amount only and any additional amount will be declined. When making changes in SmartBen you must click through all the screens until you receive a Congratulations message at the end. If you don t reach this last stage, your changes remain In Process and you still need to Complete them. Cash in Lieu New Enrollment & Re-certifications: If you are currently receiving cash-inlieu, you must re-certify your cash-in-lieu status during open enrollment. You will need to submit proof of enrollment in another group health plan for you and your tax dependents. Please see cash-in-lieu re-certification requirements for accepted proof of other coverage. Benefit Plan Information & Documents All benefit plan information, documents, and summaries can be found on the district open enrollment webpage here: FSA Information The Flexible Spending Accounts (FSA) are plans that allow you to pay for child or elder care, as well as your family's out-of pocket health care expenses, with before-tax earnings. The benefit to you is redirecting these expenses on a before-tax arrangement by which you pay less in taxes. For the 2019 plan year, you may deduct up to $2,500 under the Health Care FSA and $5,000 per household to pay for child or elder care expenses under the Dependent Care FSA MetLife Information If you are currently enrolled with MetLife, you are eligible to make the following changes without having to complete a Statement of Health (medical questions): Increase your and your spouse s existing voluntary life insurance policy by one increment of $10,000, as long as you have not reached the Guarantee Issue amount. For employees the Guarantee Issue amount is $250,000 and for Spousal coverage the amount is $20,000. (The maximum amount of life insurance that your spouse can carry is 100% of your life insurance value or $150,000, whichever is less). Increase your dependent child life coverage by one increment of $2,000, up to the maximum of $10,000. Increase your voluntary AD&D coverage in increments of $50,000 up to a maximum of $250,000. You may also change from employee only coverage to family coverage or vice versa. If you are NOT currently enrolled with MetLife, you are eligible to make the following changes without having to complete a Statement of Health: Increase your voluntary AD&D in increments of $50,000 up to a maximum of $250,000. You may also change from employee only coverage to family coverage or vice versa. Any other changes affecting your voluntary life insurance will require a completed Statement of Health form. In the event that you miss this period, you can apply to make changes to your MetLife policy throughout the year. But, an application and statement of health will be required by the carrier for any dollar amount.

4 Important Notices All required notices are included in the Health Plan Important Notices sheet. Please take the time to read the notices in their entirety. Benefits Overview Guide The Benefits Overview Guide is a handy reference guide which provides an overview of all benefits offered by the District. The next page lists out all the benefit plans & services available to you, along with contact information. **Please note that all documents referenced or linked in this memo can be found on the district webpage, [wvm.edu, Faculty/Staff, Human Resources, Benefits, Open Enrollment]

5 Contact Information Benefit Group Number Contact Telephone Web Address WVMCCD Benefits Webpage Medical CalPERS Medical CalPERS (888) Anthem Blue Cross HMO Anthem Blue Cross (855) Traditional HMO HTB050B Select HMO HNB050B Health Net SmartCare HMO NB050B HealthNet (888) PERS PPO Plans Anthem Blue Cross (877) PERS Select PPO SB250B PERS Choice PPO CB250B PERS Care PPO KB250B PORAC 13079G Anthem Blue Cross (800) Kaiser Permanente 3 Kaiser Permanente (800) Optum Rx Optum Rx (855) Dental Delta PPO Delta Dental (866) DeltaCare HMO DeltaCare (800) Vision VSP (800) Flexible Spending Accounts EBC (800) Basic Life and AD&D Guardian (888) Voluntary Life and AD&D KM MetLife (800) Long Term Disability Unum (800) Employee Assistance Program (EAP) Claremont EAP (800) Retirement Plans CalPERS CalPERS Planning Info (888) CalSTRS CalSTRS Planning Info (888) (b) EBSA (Third Party Administrator) (866) EBSA (Third Party Administrator) (866) CalPERS Voya Voya Financial (888) calpers.voyaplans.com Credit Union County Federal Credit Union (800) SmartBen SmartBen Benefits Advocate (800) Benefits Advocate is available to assist you with your benefits-related questions and issues. When there is confusion or concern with your insurance, reach out to Benefits Advocate for assistance. This service is brought to you by BB&T Insurance Services. Finding a contracted provider Resolving referral problems Researching denied claims Obtaining pre-authorizations Clarifying health coverage while traveling Explaining an Explanation of Benefits (EOB) Assisting with health insurance grievances or appeals (800) or BenefitsAdvocate@BBandT.com Monday Friday, 8:00 a.m. 5:00 p.m., except major holidays

Employee Benefits All Regular Help Employees Excluding General Unit and Social Services Workers

Employee Benefits All Regular Help Employees Excluding General Unit and Social Services Workers Employee Benefits 2018 All Regular Help Employees Excluding General Unit and Social Services Workers Table of Contents Table of Contents About Your Benefits 3 Medical Benefits 4 Dental Benefits 10 Vision