OE Presentation For Open Enrollment 2017

Transcription

1 OE Presentation For Open Enrollment 2017

2 OE Dates SHBP (Medical Coverage ONLY) and Employee Express (All Non-Medical Coverage) Website opens at 12:00 AM October 17, 2016 Website closes at 11:59 PM November 4,

3 SHBP Website at ADP Page 1 DO NOT PROCRASTINATE! 300,000+ members all need to make an election in the same 19 day period! Make changes as often as you like. The last change you make before the website closes will be your election for Be sure to click Finish, then print the confirmation page and keep for your records. 3

4 SHBP Website at ADP Page 2 DO NOT PROCRASTINATE! Login problems are common. The closer to November the longer the hold time at Sometimes you can t get through at all. Passwords expire after 45 days. If you can t remember last year s password, click Forgot password and follow the prompts. You can have it ed or texted to you, but be sure you have the same or phone number as last year. Check your Clutter, Spam, and Junk folders if you chose to have it ed and don t see the . 4

5 SHBP Website at ADP Page 3 Too many login attempts will lock you out for 1 hour. After that you can try again. Questions or problems with the SHBP website must be directed to FCS has no power or authority over the SHBP website. FCS can not reset your password. The call center will not speak with us about your account. 5

6 SHBP Website at ADP Page 4 Recommendations: Access the SHBP website prior to OE to ensure you will be able to log in. Check your address on the SHBP site. If incorrect, Benefits with your ID# and the correct address. The health plan and tier you have this year will rollover to next year unless you make a change. If you don t have health coverage with us and don t want it, do nothing. There are no automatic defaults to tobacco surcharge. 6

7 Employee Express Changes Page 1 Go to Employee Express to elect, drop, or change: --DENTAL --SHORT/LONG TERM DISABILITY --FLEXIBLE SPENDING ACCOUNTS --VISION --LIFE INSURANCE --LIFE LOCK Flexible Spending MUST be re-elected each year. HFSA-Medical Flexible Spending Account NFSA-Dependent Day Care Flexible Spending Account If you have Dental, you will not need to re-elect the coverage this year. 7

8 Employee Express Changes Page 2 Before making elections in Employee Express, be sure to add your dependents. Social Security Numbers, Dates of Birth, and phone numbers are required for any dependents. If electing Dental and Vision, be sure you specify which dependents should be covered. If you can t see all the fields to enter, maximize your window. Be sure to walk through all six steps and Save before you exit. Not saving = Never happened. Print and keep a confirmation for your records. 8

9 True OE Short Term Disability (STD) Plans Page 1 STD replaces your salary if you become ill or injured and have exhausted your sick leave. Without sick days or STD, you may have little or no income to live on. We offer two options depending on your needs A 15 day waiting period that replaces 50% of salary at a semimonthly cost of $1.36 per $1,000 of monthly salary A 45 day waiting period that replaces 60% of salary at a semimonthly cost of $0.96 per $1,000 of monthly salary 9

10 True OE Short Term Disability (STD) Plans Page 2 No health questionnaire required to elect STD this year if you elect it, you will have the coverage. Pre-existing clause still applies so, for example, someone already pregnant won t have the pregnancy as a covered disability. Encourage anyone who does not have STD to consider it, unless they do not need their salary to live, or have 6 months of sick leave. 10

11 No OE for Group Term Life Plans Health questionnaire required to elect or increase coverage for 2017 You must elect coverage on yourself equal to or greater than what you will elect on your spouse or child(ren). You must elect your coverage first in Employee Express, then elect for dependents 11

12 Beneficiaries If you have not reviewed your beneficiaries in 5 years, do so. Deaths, divorces, children turning 18, etc. are all reasons to review your beneficiary. Minor children should not be beneficiaries. Benefits does not have your beneficiary on file, they are kept securely at Unum, our life carrier. If you can t remember who you chose, it s time to renew. 12

13 Permanent Life Individual Policy that you own Pay via payroll deduction Keep even when you resign or retire Coverage available for you, spouse, child, grandchild Premium stays flat throughout life of coverage Available in $10,000, $20,000, $30,000, $40,000, or $50,000 Call to inquire about or elect coverage, or go to www. to enroll yourself 13

14 Critical Illness Individual Policy that you own Pay via payroll deduction Keep even when you resign or retire Critical Illness pays a flat amount for 1 st diagnosis of: -- INVASIVE CANCER -- HEART ATTACK -- STROKE -- KIDNEY FAILURE -- BLINDNESS -- ALS -- MAJOR ORGAN TRANSPLANT -- PARALYSIS OF TWO LIMBS -- CORONARY BYPASS (25%) -- CARCINOMA IN SITU (25%) Call to inquire about or elect coverage, or go to www. to enroll yourself 14

15 Long Term Care Insurance (LTC) Page 1 Coverage pays for nursing home, assisted living, and home care (not the same thing as Long Term Disability) Income and assets can be exhausted by one spouse, leaving little for the survivor to live on Average cost of care in metro Atlanta: Home care--$2,160/month (4 hours/day) Adult Day Care--$1,800/month (8-12 hours/day) Assisted Living--$3,060/month Nursing home care--$5,910 for a semi-private room and $6,630 for a private room 15

16 Long Term Care Insurance (LTC) Page 2 Individual Policy that you own & keep, even when you resign or retire, but pay for via payroll deduction. Coverage available for you, spouse, parents & grandparents, parents- and grandparents-in-law. You choose the amount of coverage you need per day and for how many years The older you are, the higher the premium Call LTC Solutions at for more information 16

17 LifeLock Choices Expanded Page 1 7/1/16 All current participants were upgraded to Benefit Elite, at no additional cost Ultimate Plus added as an option effective 1/1/17. Adds numerous additional Alerts and Reports Includes credit scores 17

18 LifeLock Choices Expanded Page 2 18

19 Where To Find OE Information On the landing page you will find all information for Open Enrollment: Rate Sheets Decision Guides Comparisons, Brief videos, and Links to BCBSGA, UHC, and Kaiser. Links & instructions will also be ed periodically. 19

20 Also at myfultonbenefits.com 20

21 Info On Local Coverage 21

22 Info On Each Plan 22

23 Qualifying Events 23

24 Don t forget about Telemedicine! Page 1 Telemedicine-see and talk to a participating doctor via smartphone, tablet, or computer with a webcam HMO members make their regular office visit co-pay HRA members pay their percentage (15% Gold, 20% Silver, 25% Bronze) even if you have not met your deductible yet Available with all carriers; see their website for details 24

25 Don t forget Wellness Incentives (BCBS and UHC) Complete a Wellbeing Assessment (WBA) and Biometric Screening to earn $240 in incentives Earn another $240 in incentives by either: o Completing 4 telephone coaching calls ($60 per call) OR o Making 5 entries per month in online tracker over a 6 month period ($40 per month) Spouse can earn $480 also, if covered by SHBP HRA plans--$$ is added to HRA bucket HMO plans copays are reimbursed from $$ HDHP members have a threshold before they can be used 25

26 Don t forget Wellness Incentives (Kaiser Only) Complete a Total Health Assessment (THA) Complete a Biometric Screening (must be done by Kaiser) Complete all age and gender appropriate cancer screenings Take one online Healthy Lifestyle Program course Earn a $500 VISA gift card Spouse can also earn $500 gift card, if covered 26

27 Don t forget about Incentive Rollover! Wellness Incentive Credits will rollover between all BCBS and UHC plans Change plans without losing what you ve earned Credits will rollover in April 2017 Credits will roll IN to Kaiser, but you will not earn credits with Kaiser 27

28 Don t forget about Charitable Fund Online! Charitable campaign will be November 15 December 9, after Benefits Open Enrollment. Make one-time or annual elections in Employee Express Forms are used only for those who contribute by personal check. One-time elections will occur on the 3/31/17 check only. 28

29 Preview of the election screen 29

30 Medical Plan Options Carrier\Plan HRA HMO HDHP RX WELLNESS BCBSGA YES (BRONZE, SILVER, GOLD) YES NO EXPRESS SCRIPTS HEALTHWAYS UHC NO YES YES EXPRESS SCRIPTS HEALTHWAYS KAISER NO YES NO KAISER KAISER 30

31 Definitions Page 1 Deductible the $ amount you must pay before charges are paid by the carrier; may be offset by HRA credits Co-pay a fixed amount paid for a service, such as an office visit, prescription, or ER visit Co-insurance the % you must pay after the deductible is met; the carrier pays the larger % 31

32 Definitions Page 2 Out-of-pocket maximum (OOP) when your deductible + coinsurance equal the OOP, the plan pays 100% of covered charges for the rest of the year. HRA credits dollars given by SHBP under the plan to offset the deductible or to pay for Rx Negotiated rate the amount agreed to be charged and accepted between a provider and carrier Wellness Incentives dollars earned that can be applied to out-of-pocket costs, co-pays, and deductibles 32

33 SHBP Plan Info Page 1 33

34 SHBP Plan Info Page 2 34

35 Important Facts about the 2017 Health Coverage Page 1 Provider network will vary between BCBSGA, UHC, and Kaiser. BCBSGA network is identical for HRA and HMO plans. Rx are again managed through Express Scripts for all BCBSGA and UHC plans. Kaiser manages their own. Rx co-pays and co-insurance may have an impact on the deductible and OOP amounts: Rx coverage HRA HMO HDHP Deductible No No Yes Out-of-pocket Yes Yes Yes 35

36 Important Facts about the 2017 Health Coverage Page 2 No pre-existing conditions, no referrals needed for a specialist with BCBS and UHC Only 1 ID card for Medical, Rx, and Wellness Mail order Rx and Disease Management programs continue in HRA and HMO plans HDHP plan has no Disease Management HRA credits from 2016 roll over HRA credits are no longer lost when moving to the HMO or HDHP plan 36

37 Important Facts about the 2017 Health Coverage Page 3 A single person can t satisfy more than the Single deductible (and OOP) with EE + Spouse, EE + Child(ren), EE + Family A person in acute treatment on 1/1/17 can apply for Transition of Care (continue w/non-participating Dr.) if they change carriers In/Out-of-network deductibles and OOP amounts are completely separate one does not satisfy the other New employees in October and November must make the New Hire election and Open Enrollment election at least one day apart 37

38 Going out to the Federal Exchange SHBP plans are adequate and affordable as defined by ACA Any person may purchase coverage on the exchange for any reason Access to adequate and affordable plan through employer prohibits receiving federal subsidy Any FCS employee purchasing exchange coverage will have to pay the whole cost of the coverage Exchange coverage premiums can NOT be payroll deducted and are after tax 38

39 Strategy For Making an Election Page 1 As always, look at how you use health care. Minimal users might prefer the lower cost plans. People with frequent office visits might prefer an HMO plan. Remember that premiums are always deducted, while you may not always need services. Consider the level of benefits + premium + HFSA amount. 39

40 Strategy For Making an Election Page 2 The choice is going to come down to personal preference about costs, convenience, and freedom. Pay less premium per month, but more for services when they are rendered Kaiser is self-contained only one place to go for everything, and the only plan with no deductible Having freedom to choose an out-of-network doctor means electing an HRA or HDHP plan 40

41 Health Flexible Spending Account (HFSA) Page 1 Set aside amounts to pay co-pays, meet deductibles, and pay for Rx HFSA can also be used for dental and vision services Can be used even if you don t use our health plan Can be used for dependents charges even if spouse/children are not on an FCS plan. Also think braces, glasses/contacts, LASIK, pending surgery, etc. 41

42 Health Flexible Spending Account (HFSA) Page 2 Choose from $300 to $2,550 for the year Set aside only what you know you will spend, because unused money over $500 is forfeited. Up to $500 remaining at the end of the year can be rolled over to E-claims tracker makes reimbursement almost painless. 42

43 Dependent Care Flexible Spending Account (NFSA) Page 1 IMPORTANT! HFSA is used for ALL family member s expenses. NFSA is used only to pay for day care while you work, not for medical expenses for dependents. Set aside amounts to pay daycare expenses for children under age 13 Can also be used for day care for adults unable to be left alone Maximum is $5000 for married, both spouses working or full time students; $2500 for a single person 43

44 Dependent Care Flexible Spending Account (NFSA) Page 2 IMPORTANT! Do not elect Dependent Care FSA to cover dependent medical, dental, or vision expenses. Can be used with any provider that is not paid under the table. SSN or Tax ID# required for reimbursement Can also be used for summer day camp, after school care, or late pickup fees Can be used for adult day care if the person lives with you >7 hours per day and is claimed on your Federal tax return. 44

45 Where To Go For More Information Blue Cross Blue Shield or call United Healthcare or call Kaiser Permanente or call Open Enrollment materials click the green button for the Employee Benefits Center (the Open Enrollment information should be on the landing page) FCS Plans (Dental, Vision, Disability, Life, ID Theft, Flexible Spending) click the green button for the Employee Benefits Center, then click Employee Benefits or call

46 Where To Go To Make Elections Health Elections: FCS Plans: Employee Express You can reach everywhere you need to get from 46

47 Miscellaneous Leave Administration Class is recorded on Edivate and the Employee Portal under Human Resources Anyone eligible for--but not enrolled in--the Sick Leave Bank will receive an with a link to enroll. Contact Leave Administration (4-6860) for Sick Bank questions All those that missed re-electing Dental the last two OEs can elect now with no penalty Wellness Incentives for 2016 can be earned up to 12/15/16 Biometric screening scheduling for 2017 going on now 47

48 Questions