GET THE OPEN ENROLLMENT HELP YOU NEED

Transcription

1 2018 HUMAN RESOURCES

2 GET THE OPEN ENROLLMENT HELP YOU NEED MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY OPEN ENROLLMENT BEGINS Landfill Q&A 11am-2pm 6030 W. California Ave. OCTOBER 2017 PEHP Medicare Supplement Council Chambers 10-11am 3-4pm (For those age 65 or turning age 65) Viridian Benefits Fair 10am-6pm 8030 S W. Computer Lab Viridian 11am-5pm Public Works 7:30am 604 W 6960 S Wheeler Farm 12:30pm 6351 S. 900 E. DA Broadway (For DA Employees Only) 2:30pm Environmental Health 1:30pm 788 Woodoak Lane Youth Services 2:30pm 177 W. Price Ave. S. Main Clinic 9:30am 3690 S. Main NOVEMBER Fleet pm OPEN ENROLLMENT 7125 S. 600 W. Government Center Jail Q&A ENDS Benefits Fair 1-3pm Computer Lab 10am-6pm 3415 S. 900 W. Employees University Computer Lab North Building, 4th Floor Employees University Noon-3pm North Building, 4th Floor 3:30-5:30pm Election Day! PEHP Medicare Human Resources Supplement Closed in Observance Council Chambers of Veterans Day 10-11am 3-4pm (For those age 65 or turning age 65) BENEFITS FAIR PRESENTATION TIMES AT BOTH THE VIRIDIAN & GOVERNMENT CENTER 10:30am: ASI Flex Spending Overview 11:30am: HSA Investing Overview 12:30am: Cigna Dental Overview 2:00pm: HSA Investing Overview 3:00pm: ASI Flex Spending Overview 4:00pm: Cigna Dental Overview OPEN ENROLLMENT BEGINS MONDAY, OCTOBER 23, 2017, AND ENDS FRIDAY, NOVEMBER 3, 2017 AT 5:00PM. NEW BENEFITS BEGIN JANUARY 1, 2018.

3 HOW TO USE THIS GUIDE 2018 OPEN ENROLLMENT It s time to review your benefits options and make your new benefit decisions. During Open Enrollment 2018 all participants must login to PeopleSoft and make elections. This Guide is an overview and reference for details of the changes coming in It will notify you of actions required during Open Enrollment, and help you make informed choices. To avoid the last-minute Open Enrollment rush, make your benefits decisions early. Use the provided calendar to take advantage of the resources that can help you like: Benefits Fairs Information sessions Onsite benefit presentations Q&A sessions Online information at TABLE OF CONTENTS Open Enrollment & How to Use This Guide...1 What You Need to Know...2 Take Action & Make Choices Calendar...4 Medical: Retiree Medical Plans Overview...5 Medical Plan Comparison Chart...6 Monthly Medical Plan Premiums...8 High Deductible Health Plan...9 Dental Plan Overview & Premiums Complete Your Enrollment Online...11 Benefits Contact Information

4 WHAT YOU NEED TO KNOW FOR 2018 You must log in to PeopleSoft and make your elections by November 3, 2017 at 5pm. CHANGE TO PLAN YEAR Changing to calendar year in Benefit Year ends December 31, 2017 PRORATED PLAN NUMBERS Deductibles, co-insurance and plan maximums were prorated in 2017 and are based on a 12 month plan year in 2018 NEW VENDORS Cigna Dental replaces EMI as the county s dental administrator COSTS INCREASE Premiums will increase by 7% for the medical plans No change to dental premium WHY WE NEED YOUR ADDRESS Salt Lake County personnel are unable to make elections on your behalf, you must login to PeopleSoft and make changes or elect Cigna Dental to have dental coverage. You must elect Cigna Dental to have dental coverage. You will receive an from county Information Technology with a information about your secure login. Visit benefits.slco.org for a link to PeopleSoft. It s available online so you can enroll from any internet connection. If you don t have an address or the ability to enroll on your own, come to the county for a computer lab session for help. 2

5 TAKE ACTION & MAKE CHOICES PREPARE Review this Benefits Guide Attend a Benefits Fair or Cigna Dental presentation during Benefits Fairs on October 24th or November 1 Attend a Cigna Dental presentation October 24th and November 1 You must enroll in Cigna Dental coverage this year, your medical coverage will continue unless you make a change REVIEW Review the Cigna Dental network at You ll get the most annual benefit and pay the lowest cost for care if you use a Cigna DPPO Advantage provider. You must elect Cigna Dental to have dental coverage in 2018 Visit for an overview of the county s High Deductible Plan. Even those not actively working can save with an HSA. If you re on a HDHP and still under age 65 without other coverage, you have a unique option to save pretaxed funds for future medical expenses. Studies show not only should you save for retirement expenses, but those who have saved separately for medical costs benefit in their retirement years. ENROLL THROUGH PEOPLESOFT BY FRIDAY, NOVEMBER 3 AT 5:00PM If you provided your address, you ll receive an from the county Information Technology Department (IT). Follow the instructions on page 11 to obtain your password link. If you did not provide an address, contact county IT at for help getting your secure login ID. You will be asked for your Employee ID Number or other personal identifying information. 3

6 CALENDAR YEAR CHANGES 2018 benefits are based on a calendar year. PLAN INFORMATION EFFECTIVE JANUARY 1, 2018 PLAN YEAR... January 1 December 31, 2018 Deductible Traditional PPO Single...$500 Traditional PPO Family...$1,000 HDHP Single...$2,000 HDHP Family...$4,000 Out-Of-Pocket Maximum Traditional PPO & HDHP Single...$3,500 Traditional PPO & HDHP Family....$7,000 4

7 RETIREE MEDICAL PLAN OVERVIEW Salt Lake County offers PEHP Summit or SelectHealth SelectMed Plus or (SelectCare Plus if you re living outside Utah) between retirement and Medicare eligibility. Choose between the High Deductible Plan (HDHP) or the Traditional PPO. County retirees have benefited from lower cost premium and tax benefits of High Deductible plans for several years. HSA contributions aren t only for active employees, and you can benefit from the benefits of an HSA. Forbes calls your HSA the crown jewel of tax deferred accounts. You save state and federal tax on contributions, your funds grow tax-free, and as long as you spend your funds on qualified expenses, they re not taxed when they re spent. Most institutions that administer your HSA (HealthEquity, Optum Bank, etc.) offer a competitive lineup of investment options if you re interested in taking a more active role in your funds. Some restrictions apply, depending on when you become eligible for Medicare. You re encouraged to talk to your HSA institution or a tax professional for information about your HSA and when you may wish to stop making contributions. Your coverage will automatically terminate when you become Medicare eligible. For qualified retirees, PEHP offers a Medicare Supplement plan and you can have the premiums drafted directly from your retirement check. Salt Lake County subsidizes retiree premiums based on your years of county service. If you elect coverage for your dependents, you pay the full cost of premium. You may be eligible for a subsidized premium for PEHP s Medicare Supplement plan when you turn age 65. If your birthday is the first day of the month, Medicare begins the first day of the month prior to your 65th birthday. If your birthday is the 2nd through the last day of the month, Medicare begins the first day of the month you turn age 65. PEHP recommends you contact Medicare and PEHP several months before you turn age 65, so your benefits are in place when you need them. Salt Lake County Aging and Adult Services is an excellent resource for your Medicare questions. 5

8 MEDICAL PLAN COMPARISON CHART HIGH DEDUCTIBLE HEALTH PLAN (HDHP) TRADITIONAL PPO PLAN Provider Choice Receive the highest level of coverage when using providers who are part of your plan's network. SelectHealth SelectMed Plus (CarePlus Network for those living outside Utah) PEHP Summit SelectHealth SelectMed Plus (CarePlus Network for those living outside Utah) PEHP Summit What do I pay when I access care? For each plan you will be responsible for coinsurance or co-pay, and a deductible The deductible is the amount you pay out-ofpocket for medical and prescription drug costs before plan begins to pay. HealthyMe Employee Clinic: $30 First, you pay your annual deductible: Employee only $2,000 Family $4,000 Once you have met your deductible, you pay a co-pay or coinsurance: $10 co-pay at HealthyMe Employee Clinic $25 co-pay per primary care visit $35 co-pay per specialist visit $150 per emergency room visit 10% coinsurance for in-patient services 10% coinsurance for out-patient services HealthyMe Employee Clinic: $10 First, you pay your annual deductible: Employee only $500 Employee +1 $1,000 Employee +2 or more $1,000 Once you have met your deductible, you pay a co-pay or coinsurance: $10 co-pay at HealthyMe Employee Clinic $25 co-pay per primary care visit $35 co-pay per specialist visit $150 per emergency room visit 20% coinsurance for in-patient services 20% coinsurance for out-patient services 6

9 MEDICAL PLAN COMPARISON CHART HIGH DEDUCTIBLE HEALTH PLAN (HDHP) TRADITIONAL PPO PLAN You re protected by the out-of-pocket maximum This is the maximum annual amount you pay out-of-pocket for in-network care. Employee only $3,500 Family $7,000 The plan pays 100% for all remaining in-network costs. Employee only $3,500 Employee +1 $7,000 Employee +2 or more $7,000 The plan pays 100% for all remaining in-network costs. What do I pay when I need a prescription? Your prescription drug costs count towards your medical plan deductible and out-of-pocket maximum. You pay the total discounted cost of the prescription drug until you have met your plan deductible, then you pay: 30 day retail supply: Tier 1: $10 co-pay Tier 2: 25% coinsurance with $25 minimum and $75 maximum Tier 3: 50% coinsurance with $50 minimum and $100 maximum 90 day mail order supply: Tier 1: $20 co-pay Tier 2: 25% coinsurance with $50 minimum and $150 maximum Tier 3: 50% coinsurance with $100 minimum and $200 maximum Specialty and injectable medications: 20% coinsurance Maintenance medications (for HDHP only): Deductible is waived for certain drugs that are identified as preventive or treat chronic conditions such as cholesterol and high blood pressure. See your plan administrator for a complete list. For complete details, see the Summary Plan Descriptions at 7

10 2018 MONTHLY PREMIUMS Your monthly premium amount depends on your number of years of service with the county. Premium amounts are the same for PEHP and SelectHealth. SALT LAKE COUNTY 2018 RETIREE PREMIUMS RETIREES UNDER Age 65 FIRST 18 MONTHS AFTER RETIREMENT EFFECTIVE JANUARY 1, 2018 BASED ON YEARS OF COUNTY SERVICE TRADITIONAL HEALTH PLANS 20+ Yrs Yrs Yrs Yrs Yrs Yrs 7-9 Yrs 4-6 Yrs 0-4 Yrs Retiree only $ $ $ $ $ $ $ $ $ Retiree plus $ $ $ $1, $1, $1, $1, $1, $1, one dependent Retiree plus $1, $1, $1, $1, $1, $1, $1, $1, $1, two or more dependents HIGH DEDUCTIBLE HEALTH PLANS 20+ Yrs Yrs Yrs Yrs Yrs Yrs 7-9 Yrs 4-6 Yrs 0-4 Yrs Retiree only $7.82 $56.70 $ $ $ $ $ $ $ Retiree plus $ $ $ $ $ $ $1, $1, $1, one or more dependents 8

11 2018 MONTHLY PREMIUMS Your monthly premium amount depends on your number of years of service with the county. Premium amounts are the same for PEHP and SelectHealth. SALT LAKE COUNTY 2018 RETIREE PREMIUMS RETIREES UNDER Age 65 MORE THAN 18 MONTHS AFTER RETIREMENT EFFECTIVE JANUARY 1, 2018 YOUR MONTHLY COST BASED ON YEARS OF COUNTY SERVICE TRADITIONAL HEALTH PLANS 20+ Yrs Yrs Yrs Yrs Yrs Yrs 7-9 Yrs 4-6 Yrs 0-4 Yrs Retiree only $ $ $ $ $ $ $ $ $ Retiree plus $1, $1, $1, $1, $1, $1, $1, $1, $1, one dependent Retiree plus $2, $2, $2, $2, $2, $2, $2, $2, $2, two or more dependents HIGH DEDUCTIBLE HEALTH PLANS 20+ Yrs Yrs Yrs Yrs Yrs Yrs 7-9 Yrs 4-6 Yrs 0-4 Yrs Retiree only $ $ $ $ $ $ $ $ $ Retiree plus $1, $1, $1, $1, $1, $1, $1, $1, $1, one or more dependents 9

12 DENTAL PLAN OVERVIEW AND PREMIUMS Cigna Dental offers competitive discounts and a large network of providers. Your cost will be lowest if you select a Cigna DPPO Advantage provider. ADVANTAGE NETWORK IN-NETWORK ANY CIGNA PROVIDER OUT-OF-NETWORK Annual Deductible applies to basic and major services $0 $50 single $150 family $50 per person $150 per family Annual Maximum the plan pays per person $2,000 $1,200 $1,200 Preventive exams, cleanings, x-rays, fluoride Basic fillings, oral surgery Major crowns, bridges, prosthodontics Orthodontic Lifetime Max 100% 80% 80% 90% 60% 60% 50% 40% 40% $1,750 $1,750 $1,750 For complete details, see the Summary Plan Descriptions at MONTHLY DENTAL PLAN PREMIUMS Your monthly premium is determined by your years of county service. DENTAL INSURANCE FIRST 18 MONTHS AFTER RETIREMENT Cigna Dental 20+ Yrs Yrs Yrs Yrs Yrs Yrs 7-9 Yrs 4-6 Yrs 0-4 Yrs Retiree only $12.54 $18.24 $23.94 $29.64 $35.34 $41.04 $46.74 $52.44 $58.14 Retiree and $28.86 $34.56 $40.26 $45.96 $51.66 $57.36 $63.06 $68.76 $74.46 one dependent Retiree and two or $66.60 $72.30 $78.00 $83.70 $89.40 $95.10 $ $ $ more dependents DENTAL INSURANCE MORE THAN 18 MONTHS AFTER RETIREMENT Cigna Dental 20+ Yrs Yrs Yrs Yrs Yrs Yrs 7-9 Yrs 4-6 Yrs 0-4 Yrs Retiree only $34.20 $39.90 $45.60 $51.30 $57.00 $62.70 $68.40 $74.10 $79.80 Retiree and $56.60 $62.30 $68.00 $73.70 $79.40 $85.10 $90.80 $96.50 $ one dependent Retiree and two or $ $ $ $ $ $ $ $ $ more dependents 10

13 COMPLETE YOUR OPEN ENROLLMENT ONLINE COMPLETE YOUR ENROLLMENT BY FRIDAY, NOVEMBER 3 AT 5pm Update your PeopleSoft login and password by following the steps below. If you provided your address: 1. Go to 2. Select Reset My Password. 3. Enter the address you provided to the county. 4. Shortly after entering your address, you ll receive an with a link to set your password. The link you receive is time sensitive and for one-time use. 5. After clicking the link in the , create a password. The county system requires 11 characters with upper and lower case, numbers, and special characters. 6. If you forget your password, use the website in step 1 and follow the steps above to reset it. If you didn t provide your address, contact county IT at County IT will validate you re you by asking you to provide your Employee ID Number (EIN). If you re not a county employee but have coverage because of your spouse, you ll have a 9 digit POI number that begins with C. If you don t know your EIN or POI number, you ll need to provide other personal identifying information to IT, like your date of birth, address, or social security number. Next, go to to complete your Open Enrollment: 1. Enter your username and password (from the above steps) 2. From the Main Menu > Self Service > Benefits > Benefits Enrollment 3. Click Select in the Open Benefit Events box 4. Review your elections and who s covered on your plan. Remember, to continue with dental you must enroll in Cigna dental. 5. Submit NEED HELP? For password or log in issues, call county IT at For questions about benefits or your enrollment call Salt Lake County Benefits at

14 COMPLETE YOUR OPEN ENROLLMENT ONLINE WHEN YOUR LIFE CHANGES If you experience a life event such as marriage or a divorce, it is important that you make the available changes to your health benefits coverage at the right time to be sure you receive coverage when you are eligible and most important when you need it. When experiencing a life-changing event, you have 31 days from the date of the event to make changes to your benefits. If you experience a life event, call the Benefits Department at MAKE SURE YOUR FAMILY MEMBERS ARE ELIGIBLE FOR COVERAGE Salt Lake County is committed to providing comprehensive, affordable health care coverage for retirees and eligible dependents. Salt Lake County s health plans have specific requirements for who can be covered as an eligible dependent. Whom You Can Cover on Your Salt Lake County Plans Your spouse under age 65 Your children up to age 26, regardless of student or marital status GET THE OPEN ENROLLMENT HELP YOU NEED Use any of the following resources to help with your retiree health benefits questions and enrollment: PHONE Salt Lake County Benefits: Call a benefits representative at Benefits@slco.org ONLINE is your online resource for benefits information and to complete your Open Enrollment. 12

15 CONTACT INFORMATION PLAN PHONE WEBSITE Benefits Enrollment Salt Lake County Benefits: Medical SelectHealth: PEHP: Onsite Medical Clinic HealthyMe Medical Clinic: Dental Cigna Dental: Employee Assistance Program Deer Oaks: Username and password: SLCO Retirement (Pension, 401k) URS: Health Savings Account Optum: County HSA Calculator Your 24/7 resource for all Salt Lake County benefits. 13

16 The information in this guide is a summary of your benefits and is not intended to take the place of or change official plan documents in any way. In the event of any discrepancy between the information in this guide and the Summary Plan Descriptions the Summary Plan Descriptions will prevail. For a copy of the most recent Summary Plan Descriptions visit Surprising Facts About Health Savings Accounts (HSA)