General Health System

Transcription

1 General Health System 2015 Annual Enrollment Newsletter Annual Enrollment for 2015 will be held from Thursday, October 30 th Thursday, November 20 th IMPORTANT NOTICE: All full-time and part-time GHS employees will be impacted by health plan changes being implemented for the 2015 plan year. It is critical that employees read and understand the following information related to their 2015 health plan coverage. WHAT STEPS DO I NEED TO TAKE? Due Date Nov. 20, 2014 Dec. 1, 2014 May 31, 2015 May 31, 2015 Action Required Visit Employee Self Service during the annual enrollment period to elect, reelect or decline your 2015 benefit elections. The Annual Enrollment period begins on October 30 th & ends on November 20 th. All eligible employees will be required to make an online enrollment election regardless of whether they are declining health insurance coverage, enrolling in health insurance coverage for the first time, making a change to their current health insurance election or keeping their current health insurance election the same. Complete any required applications for life insurance, cancer/serious disease, critical illness or short term disability and make sure the form(s) is returned to the Benefits Department. Complete biometric screening for both employee and spouse (if applicable). Completion of biometric screening is required in order for coverage to be continued under the GHS employee health plan. Complete required spousal tobacco screening for GHS employee health plan. Please refer to the step-by step Online Benefits Enrollment Tutorial Booklet enclosed in this packet. This guide provides detailed instructions on how to complete your online enrollment.

2 Paycheck Deduction Information Your first paycheck of 2015 will be received on Friday, January 2 nd. This paycheck will reflect time worked from December 14 th December 27 th. Any benefit changes made during annual enrollment will be effective January 1, 2015, therefore your first premium deduction(s) for the 2015 plan year will appear on your January 16 th paycheck. There will be no deduction for medical and/or dependent flexible spending accounts on the January 2 nd paycheck. The annual amount elected for these benefits will be divided over the course of 25 paychecks, instead of 26. For example, if you are enrolled in a flexible spending account at $1, annually, $40.00 will be deducted from your paycheck for 25 pay periods. The first FSA deduction for 2014 will appear on your January 16 th paycheck. Remember to log onto Employee Self Service and review your paycheck deductions for your January 16 th paycheck. Please contact the Benefits Department immediately at (225) if you notice any discrepancies. Listed below are some of the most commonly used benefit deduction codes that are shown on paychecks. You will only see the deduction codes for the benefits you are enrolled in. Deduction Name Health EE 401KEC Cancer Plan Dental Ins DepFSA MedFSA Optional Life Salary Life DepLife Short Term Vision Critical Illness Description Health Insurance 401(k) Deduction Cancer & Specified Disease Dental Insurance Dependent Flexible Spending Medical Flexible Spending Optional Life Insurance 1x-5x Salary Life Insurance Dependent Life Insurance Short Term Disability Insurance Vision Insurance Critical Illness Insurance GPT Cashout Reminder Earlier this year, employees were offered the option to cash out GPT accruals for a period of either (8) pay periods, or (4) pay periods. Employees who elected to participate in the GPT Cash Out option will receive the payout for their frozen GPT accruals on their November 21 st paycheck. Paycheck Deduction Information Change in Eligibility Requirements Eligible employees, who are not currently in the GHS Employee Health Plan, must go online and decline the coverage offered to them. Employees who fail to decline coverage will be automatically enrolled in the Basic Option plan with Employee Only coverage and coverage will begin on 1/1/2015. Employees who are automatically enrolled will not be able to make changes or withdraw from coverage unless they have a qualifying status change. Employees who decline coverage will not have another opportunity to enroll throughout the year, unless they have a qualifying status change.

3 Even if you are currently enrolled in the employee health plan and would like to keep the same coverage you must go online & re-elect coverage for the 2015 plan year. Employees who fail to re-elect their health insurance coverage will be automatically enrolled in the Basic Option plan with Employee Only coverage as of 1/1/2015, regardless of what their previous coverage level was. This means if you are currently enrolled in employee/spouse, employee/child or family coverage and you do not go online and re-elect or decline coverage your coverage level will be automatically changed to the Basic Option plan with Employee Only coverage and coverage for your dependents will be terminated. Employees will not have another opportunity to enroll throughout the year and will not be able to make changes or withdraw from coverage unless they have a qualifying status change. Please refer to the Online Benefits Enrollment Tutorial Booklet that is enclosed in this packet for instructions on how to complete your enrollment. Biometric Screenings Required for Employees & Spouses All eligible employees and their dependent spouses are required to complete a biometric health screening in order to remain an eligible participant in the GHS health plan. The Employee Health Department will perform the screenings at no cost to the employee or their dependent spouse. Employee Health will sponsor weekly biometric screening events beginning in January and continuing through May which will allow both employees and their dependent spouses numerous opportunities to have their biometric screening completed. Biometric screenings must be completed by May 31, 2015 in order for health insurance coverage to continue. In the event an employee fails to complete a biometric screening their coverage will be terminated as of June 13, 2015, as will the coverage of their dependent spouse (if applicable). In the event an employee completes a screening and their dependent spouse does not, the spouses coverage will be terminated as of June 13, Employees who complete their 2015 BRGFit! biometric screening will be considered as having satisfied the health plan biometric screening requirement. Spousal Tobacco Screening Required Another eligibility requirement that will be implemented in 2015 is tobacco screening for dependent spouses. Employees and their dependent spouses covered under the employee health plan must both be screened for tobacco use in order to receive the discounted non-tobacco user health insurance premium. Employees who currently have a negative tobacco screening on file with the Employee Health Department will not be required to rescreen, however their dependent spouse must complete a tobacco screening in order for the discounted premium to be continued. Tobacco screenings for all dependent spouses will be completed in conjunction with the biometric screening and must be completed by May 31, In the event an employee tests negative for tobacco use but their dependent spouse tests positive, the non-discounted tobacco premium will be applied beginning June 14, Dependent spouses who fail to complete a tobacco screening by May 31, 2015 will be terminated from the health insurance plan as of June 13, Pharmacy Benefit Change As an added incentive for using the BRG Employee Pharmacy, health plan members will receive the following benefits as of January 1, 2015: $50 pharmacy deductible waived on all generic drug prescriptions filled $10 co-pay waived on all generic birth control prescriptions filled In addition, effective January 1, 2015, the General Health System Employee Health Plan (the Plan) will add an evidence-based prescription drug program to our prescription drug benefit. This program will be

4 administered by our prescription benefit manager, Catamaran RX, with recommendations and support provided by RxResults, LLC. This evidence-based prescription drug program is designed to help keep healthcare costs down for both you and the Plan while conforming to national guidelines and/or best practices with respect to drugs used to treat certain medical conditions. The Plan values and promotes the health of our plan participants. We believe the implementation of this evidence-based prescription drug program will help to ensure that health plan participants continue to have a high quality, cost-effective prescription drug benefit. Managing prescription costs also helps control future health plan premium costs for our health plan participants. This upcoming change may have an impact on one or more of your current medications. As the drug market changes the Plan wants to be responsive to these changes by adjusting our prescription drug benefit appropriately and responsibly (e.g., new drugs enter the market, others become available generically, treatment guidelines change, etc.). In many cases, the prescription drug benefit changes will present an awareness of cost saving opportunities in the form of lower prescription co-payments or co-insurance for health plan members. In other cases, the upcoming changes may increase co-payments or co-insurance and may also limit coverage for your current medication(s). RxResults will be sending you a personalized letter on behalf of the Plan if your current drug therapy is impacted by these upcoming benefit changes. This letter will be mailed directly to your home and will identify the drug impacted along with other related information. If applicable, the letter will also inform you of one or more alternative drugs which may be similarly effective for you. Furthermore, the letter will include contact information if your physician or you would like to discuss your current drug therapy. Again, you will only receive a letter if you are taking a drug that is impacted by this benefit change. Health Plan ID Cards All health plan members should receive new ID cards by December 31, If you have not received your new ID card by December 31 st, please contact WEBTPA at (888) Summary Annual Reports Enclosed in this Annual Enrollment packet are the Summary Annual Reports for our employee benefit plans. These reports are furnished in conjunction with reporting and disclosure regulations for employee benefit plans and are for informational purposes only. These reports require no action from you. If you have any questions about the Summary Annual Reports please call the Benefits Department at (225) Employee & Dependent Clinic Changes A new co-payment amount of $12 per visit will be implemented as of January 1, 2015 at all Employee & Dependent Clinic locations. Also, as of January 1, 2015 the Bluebonnet Employee & Family Clinic will be relocating to the Baton Rouge General Physicians Family Medicine Clinic, which is the office of Dr. Stephanie Awad and Dr. Akayla Robinson. The Family Medicine Clinic will soon be located in the new physician office building adjacent to the Bluebonnet hospital campus.

5 Current patients of Dr. Award and Dr. Robinson will continue to pay their regular copay ($25 High Option or $30 Basic Option) through the end of this calendar year. The Employee & Dependent Clinic copay of $12 will not be applied at this location until January 1, As a reminder there are also (2) other Employee & Family Clinic locations available to serve the medical needs of both you and your family: Family Health Center 3801 North Boulevard Baton Rouge, LA (225) Mid-City Internal Medicine Clinic 3600 Florida Boulevard, Suite 1010 Baton Rouge, LA (225) Short Term Disability, Life Insurance, Cancer & Serious Disease and Critical Illness Policies If you are electing or changing any of these benefit plans, please remember: An application must be submitted if you are electing short-term disability, life insurance, cancer & serious disease, or critical illness policies during annual enrollment. An application must also be submitted if you are making changes to any existing polices you are currently enrolled in. Decreasing the value of a policy is considered a change, and an application must be submitted in order for the change to be approved. In order for your election to be approved, the completed application must be returned to the Benefits Department no later than December 1st. Coverage for these polices, and changes to these policies cannot be extended without the completed application. The effective date for life insurance policies are subject to approval from the vendor and coverage will not be extended until the vendor notifies us in writing that the policy has been approved. Please call the Benefits Department at (225) regarding any questions you may have about your 2015 benefit package