High Deductible Health Plan Enrollment and Administration
|
|
- Teresa Baldwin
- 5 years ago
- Views:
Transcription
1 High Deductible Health Plan Enrollment and Administration Caroline Smart, Director of Health Plan Operations October 2014
2 Presentation Overview ACA Requirements Statutory Requirements Workgroups Board of Trustee Approvals Rates Plan Design & Benefits TPA Contract HDHP Administration HDHP Open Enrollment 2
3 ACA Requirements Newly Eligible Employees To avoid tax penalties under section 4980H of the Internal Revenue Code (the Code) large employers must offer coverage that is affordable, and is at least minimal value to all full-time employees. Employees are considered full-time, and thus required to be offered employersponsored health care, if they are reasonably expected to work 30 hours per week. Employing units are responsible for determining whether or not an employee is a full-time employee. This includes all non-permanent employees. Nonpermanent employees are currently not offered coverage through the State Health Plan. Employers have flexibility in determining an employee s status and may use a safe harbor which utilizes a measurement and stability period for determining eligibility and offering coverage. If the safe harbor is not used then employee status is determined every month. The State Health Plan is not able to provide guidance to employing units regarding eligibility for employees. Additional information is posted on the Plan s website under the HBR tab. Click Health Care Reform/Affordable Care Act Information 3
4 Statutory Requirement to Offer Alternative Benefit Section of SL (SB 744 Appropriations Act) establishes a new health benefit eligibility category for full-time employees not otherwise covered by the Plan to comply with the Affordable Care Act (ACA) The Affordable Care Act (ACA) and section 4980H of the Internal Revenue Code (the Code) prescribe updated definitions of full-time employees and requirements to determine which employees are required to be offered employer-sponsored health care Employees are determined to be full-time, and thus required to be offered employer-sponsored health care, if they are reasonably expected to work 30 hours per week Directs the Treasurer and Board to offer a health benefit coverage option for these newly eligible employees that provides minimum essential coverage at no greater than the ACA Bronze level and that minimizes the employer contribution in an administratively feasible manner 4
5 ACA Requirements Newly Eligible Workgroup The Plan formed a workgroup to build consensus on an administrative approach and plan design options for these newly eligible employees. The workgroup consists of representatives from: Office of State Human Resources (OSHR) Department of Public Instruction (DPI) University System General Administration (UGA) Community College System Office Cross-Section of Public Schools Wake County Public Schools Charlotte-Mecklenburg Public Schools Guilford County Public Schools Orange County Public Schools 5
6 Workgroup Recommendations: Rate Structure Rate Structure We presented three options to the workgroup for the assignment and billing of the employer and employee share of the monthly premium: 1. Pay Bands Member will be enrolled by the HBR into one of four pay bands which will determine the employer and employee share of the premium or 2. Single Rate with employer/employee share defined - which means all employees will be charged the same premium rate or 3. Single Rate to employer - employer determines what rate to charge the employee Workgroup determined that Option 2 was the most administratively feasible option. 6
7 Workgroup Recommendations: Member Premium Billing Member Premium Billing We provided two options for consideration 1. Direct Bill Member will receive a monthly premium bill which must be remitted on time to avoid termination or 2. Group Bill Group responsible for collecting member s portion of the premium. Late terminations for arrears will not be accepted. Workgroup recommended Option 1 be the standard member billing methodology. By direct billing the member, instead of utilizing payroll deduction, the Employing Units do not have to build a premium collection process for payroll periods for which the member does not receive a paycheck. 7
8 Workgroup Comments: Minimum Value Plan While we did not ask for a recommendation, we did request feedback on providing a Minimum Value Plan for these members. The group was supportive of this offering. Additionally, they believe other employees might be interested in this option as well. Benefit Design Individual Coverage Family Coverage Individual Deductible $5,000 $10,000 Out-of-Pocket Maximum $6,450 $12,900 Coinsurance 50% 50% Preventive Medical Covered at 100% Preventive Pharmacy Covered at 100% Plan design meets ACA minimum value standard Plan design is eligible for a Health Savings Account which allows the employee to make 2015 tax-exempt contributions of up to $3,350 ($6,650 for family coverage) to an account that can be used to pay eligible medical expenses. 8
9 Board of Trustees Approval In late August, the Plan s Board of Trustees (BOT) approved: Rates and Rate Structure (See next slide) Plan Design: High Deductible Health Plan (HDHP) TPA contract: MedCost 9
10 Monthly Premium Rates for High Deductible Health Plan (HDHP) Coverage Type Employer Share Employee Monthly Premium Dependent Monthly Premium Total Monthly Employee Premium Employee-only $ $92.38 N/A $92.38 Employee + Child(ren) $ $92.38 $ $ Employee + Spouse $ $92.38 $ $ Employee + Family $ $92.38 $ $
11 Final High Deductible Health Plan (HDHP) Summary Plan Features In-Network (Individual Coverage In-Network (Family Coverage) Out-of-Network (Individual Coverage Out-of-Network (Family Coverage) Medical Coverage Deductible $5,000 $10,000 $10,000 $20,000 Coinsurance 50% 50% 60% 60% Out-of-Pocket Maximum (Medical and Pharmacy) $6,450 $12,900 $12,900 $25,800 ACA Preventive Care Services $0 (covered at 100%) $0 (covered at 100%) 60% after deductible 60% after deductible Office Visits 50% after deductible 50% after deductible 60% after deductible 60% after deductible Specialist Visit 50% after deductible 50% after deductible 60% after deductible 60% after deductible Inpatient Hospital 50% after deductible 50% after deductible 60% after deductible 60% after deductible Prescription Coverage 2015 Express Scripts National Formulary Covered Prescription Drugs HDHP ACA Preventive Medications 50% after deductible 50% after deductible 50% after deductible 50% after deductible $0 (covered at 100%) With a Prescription $0 (covered at 100%) With a Prescription $0 (covered at 100%) With a Prescription $0 (covered at 100%) With a Prescription 11
12 HDHP Summary-Con t. Instead of copays, members will pay a 50% coinsurance after meeting the deductible for in-network medical and pharmacy expenses, except for ACA preventive services and medications. The deductible and coinsurance (medical and pharmacy) are included in the out-of-pocket maximum. ACA Preventive Services and Medications ACA medical preventive services are covered at 100% ACA preventive medications are covered at 100% with a prescription A list of these services and medications will be available on the Plan s website at 12
13 Additional HDHP Member Services through MedCost Teladoc 24/7- Access to consultations over the phone or online (where available) with board certified physicians for common conditions such as allergies, infections, etc. The out-of-pocket cost to the member for this service will be $40.00 per use of service. A welcome kit from Teladoc will be sent to enrolled members. HealtheReports - Online provider search, cost and quality tool Personal Care Management - Customized health education and oneon-one nurse mentoring and coaching to encourage self-empowerment and self-management. Includes transitional care management. Personal Health Suite - Online suite of health and wellness tools and information, including Health and Productivity Assessment (HPA), Healthy Living Programs, personal health record/portal and health trackers 13
14 HDHP Pharmacy Benefit Members will pay in full for prescription drugs if the deductible has not been met. Pay in full means you will pay 100% of the covered prescription drug cost Once the deductible is met, members will pay a 50% coinsurance for prescriptions until the out-of-pocket maximum has been met. This pharmacy benefit will use the 2015 Express Scripts National Preferred Formulary (preferred drug list) and includes their broad retail pharmacy network Express Scripts National Preferred Formulary (preferred drug list) will be posted on the State Health Plan s website. 14
15 HDHP: Health Savings Account Compatible The HDHP is compatible with a Health Savings Account (HSA). An HSA is a tax-deductible savings account with tax-free withdrawals for qualified medical and pharmacy expenses. Having an HSA is not required to be enrolled in this plan. An HSA can be helpful in reaching the deductible and ease the out-of-pocket burden on an HDHP. Enrolled members will be responsible for setting up their own HSA. 15
16 HDHP Administration Information Claims Processing/Customer Service Members in this plan will have access to the MedCost PPO Provider Network for medical services. Pharmacy Administration The Pharmacy benefit will be managed by Express Scripts and will use Express Scripts 2015 National Preferred Formulary. Enrollment and Billing Enrollment and billing will be provided by COBRAGuard. Eligible members will not use eenroll to enroll in the HDHP. Billing The standard premium billing practice will be to send a monthly premium bill directly to the member and a group premium bill to the employing unit. Groups that want to handle the premium deductions for their employees may contact the Plan for an exception. 16
17 HDHP Employer Portal Billing Employing units will be able to view the employer invoice on the portal. Member invoices will be integrated on the member portal (shphdhp.com) Invoices are generated on the 10 th of each month. Invoices are viewable online under the Invoices Menu Option. Once an invoice is opened in the system, it will show two options to pay the bill: Mail a check to the lockbox Click to pay online via ACH Once payment is received the invoice will be satisfied. The satisfied invoice will be viewable under the Invoice Tab. Billing reports are included in the system. If the member payment is not received by the end of the grace period the member will be terminated and the employer portion will be refunded on the next invoice.
18 HDHP Open Enrollment Employing Units are in various states of readiness; therefore, we have established three Open Enrollment (OE) periods: October 6 31 Allows employing units to offer HDHP OE during the same period as the Traditional Plan OE for permanent employees. Ensures ID cards will be in members hands by January 1 st. November 1 30 HDHP OE will begin the day after the Traditional OE ends. Ensures ID cards will be in members hands by January 1 st. November 20 December 19 Allows the most time for employing units to determine eligibility while still completing OE by the Christmas holiday. ID cards will not be in members hands by January 1. As a reminder, any group not able or ready for any of the scheduled OE dates are able to add members for the initial enrollment just as they do for any new hire. 18
19 HDHP Open Enrollment Reminders During Open Enrollment you are able to: Enroll in the State Health Plan Add dependents without a qualifying life event An eligible dependent of a covered employee includes: Legal spouse Children up to age 26, including natural, legally adopted, foster children, children for which the employee has legal guardianship and stepchildren of the employee Coverage for such children (described above) who are covered by the Plan when they turn age 26 to the extent that they are physically or mentally incapacitated on the date that they turn age 26. A child is physically or mentally incapacitated if they are incapable of earning a living due to a mental or physical condition. Coverage continues for such children as long as the incapacity exists or the date coverage would otherwise end, whichever is earlier. It is essential that dependent verification documentation is maintained on all dependents (e.g., birth certificate, marriage certificate, court orders) Outside of Open Enrollment you may not add or remove dependents or disenroll from the State Health Plan unless you experience a qualifying life event, such as marriage, birth, death or retirement, and those changes must be made within 30 days of the event. 19
20 HDHP Open Enrollment Guides HBRs will be sent a pdf of the Enrollment Guide for eligible members. HBRs are responsible for sending the guide to eligible members. The guide will not include enrollment dates, so you will need to promote when your employing unit will be hosting Open Enrollment for this plan. The State Health Plan s website will have one page dedicated to this plan in which the following materials will be available soon. To access this information, employees will need to visit and click High Deductible Health Plan. ACA Preventive Services List HDHP ACA Preventive Medication List 2015 Express Scripts National Preferred Formulary (preferred drug list) Benefit Booklet HDHP Summary 20
21 Appendix 21
22 Frequently Asked Questions (FAQs) If an employee has the high deductible plan coverage, and they lose their job, is this plan eligible for COBRA continuation? Yes, members enrolled in this plan are eligible for COBRA. If they waive coverage do we still have to enter them into the system? Yes, all eligible employees should be loaded into the system to allow for them to enroll or waive coverage. Those who do not enroll within the appropriate timeframes will not be eligible to enroll until the next Open Enrollment. Does coverage begin Jan. 1 or Feb. 1? What are the effective dates for coverage? Coverage will begin Jan. 1, The benefit period is Jan.1, 2015, through Dec. 31, What happens when an employee stops paying premiums? If an employee does not pay their bill, they will be terminated from coverage due to non-payment. 22
23 Frequently Asked Questions (FAQs) What is the grace period for canceling coverage for non-payment? Premium payments are due by the first of the effective month. Members who do not pay by the end of the effective month will be terminated the first of the following month. Can the employer portion only be paid by going online? Can paper checks be submitted? Yes, employers will be able to pay online and paper checks will be accepted. Are charter schools required to participate? Yes, charter schools are required to participate. How will we know if an employee has paid their premium before we pay the employer share? Groups are required to pay as billed. The group premium payments are due by the first day of the effective month. Groups will receive a premium credit on a subsequent month for any employees that are terminated for nonpayment. The HBR portal will display terminated members. 23
24 Frequently Asked Questions (FAQs) Will we have the ability to send eligibility files or is this a one-by-one approval? Initial enrollment can by uploaded from a file or loaded manually one by one. Please contact the State Health Plan at HBRInquiries@nctreasurer.com if you are interested in utilizing EDI for ongoing enrollment maintenance. When will the premiums be due for the employee and the employer? Both group and employee premium payments are due in full by the first day of the effective month. Can employees decline this coverage? Yes, they are able to decline coverage. Is there a billing module in this system to see who has paid their premiums? Yes, the HBR portal will have a billing functionality to allow you to view employees. 24
25 Frequently Asked Questions (FAQs) If this person is a retiree and they decline, will that affect their insurance being paid by the Retirement System? If an employee qualifies for this coverage, they are no longer eligible for Plan coverage under the Retirement System. We noticed that the coinsurance is 50%. Doesn't ACA require that minimal essential coverage be 60%? Yes, but coinsurance is not the same as minimum value. Although the coinsurance is 50%, preventive services are covered at 100% and the overall value of this plan meets the minimum required value of 60% under the ACA. Will HBRs be receiving website and login information prior to Open Enrollment? Yes, HBRs will receive portal information including login credentials in the coming weeks. 25
26 Frequently Asked Questions (FAQs) Has there been any discussion regarding payroll deduction? Will this be an option or is it all going to be direct billed? Providing a direct bill for these employees will be the standard approach. Groups interested in using payroll deductions for their members may contact the Plan at HBRInquiries@nctreasurer.com for an exception. Does the employer have to provide the address for employees on the census load so the employee can register? No, an address will not be required for a member to enroll online. How will we be getting the group bill? Are premiums paid in advance? Who's responsible for reconciling premiums and tracking employee payment to ensure we pay the right amount? This is an ebilling system; therefore, your premium bill will be available on the COBRAGuard billing portal. Premiums will be due on the first day of the effective month. Groups are responsible for reconciling their bills on a monthly basis. Groups may contact COBRAGuard with any questions about their bill. 26
27 Frequently Asked Questions (FAQs) BCBSNC requires that we pay the bill as sent without manual reconcile. Will this billing be the same? The Plan requires all groups to pay as billed. Groups should reconcile their bills monthly and make adjustments via the enrollment portal as needed. What is the deadline to enroll employees in this plan for the Jan. 1 effective date? Our admin period doesn't start until November. There will be a second Open Enrollment period in November that may work for your group. As with any new hire, these newly eligible employees can be loaded throughout the year as they become eligible. Ideally they need to be enrolled prior to their effective month to avoid access to care issues. Will we have to approve tasks like in eenroll? Yes, it will be very similar to eenroll in that you will have to approve an employee s activity in the enrollment system. 27
28 Frequently Asked Questions (FAQs) You stated that the member will receive a bill monthly for the premiums. Will the employer not be responsible for submitted payment on behalf of these newly eligibles? No, COBRAGuard, the Plan s billing administrator, will be billing the members monthly. Employers will not have to bill employees for this plan. Will someone from COBRAGuard be reaching out to design census files? Yes, COBRAGuard will be sending a template of the census file to groups. How will we be billed and how will we make payment? Employing units will be able to log into the portal and view their invoice. You will be able to submit payment via ACH or by check. If employee enrollment is effective Jan. 1, does that mean they will have to pay premiums in December? January premiums are due by Jan. 1,
29 Frequently Asked Questions (FAQs) How will we be made aware of changes that an employee makes on their own? HBRs must approve any qualifying life event changes. Additionally, HBRs have access to various employee reports and can view the employees records. Will employees pay premiums current or one month in advance? Employees will receive a bill the month before payment is due. How current will the billing report be? The bill will be as current as the enrollment entered the day before the bill run. Who notifies MedCost of life event changes the EE or ER? If EE, how is the ER notified? Members enter the life event and the HBR must approve it. 29
30 Frequently Asked Questions (FAQs) Are employers given a choice as to whether premiums are collected by COBRAGuard, or the agency? Providing a direct bill for these employees will be the standard approach. Groups interested in using payroll deductions for their members may contact the Plan at HBRInquiries@nctreasurer.com for an exception. How is the portal accessed by HBRs? The portal is a web-based system and HBRs will be given the link to access it, but it will also be available on the Plan s website under the HBR tab as a resource. How do we work out an enrollment time if Oct. 6 will not work? There will be a second Open Enrollment in November (currently scheduled to begin Nov. 20). 30
31 Frequently Asked Questions (FAQs) "Part Time Open Enrollment" - is this another name for HDHP Open Enrollment? Eligible employees are not part-time employees. Some employing units may be calling the HDHP Part Time Open Enrollment but that is not accurate. Can you give some examples of work schedules which would qualify for this HDHP? Any employee who meets the definition of a full-time employee under the Internal Revenue Code, i.e., an employee with 30 hours of service or more per week during a month or with 130 service hours in a month, is eligible for coverage. This could include employees acting as substitute teachers or filling other positions on a temporary basis. How many months running does a non-permanent employee need to work full time before the HDHP is required to be offered? Any employee who meets the definition of a full-time employee under the Internal Revenue Code, i.e., an employee with 30 hours of service or more per week in a month or with 130 service hours in a month, is eligible for coverage. How? G 31
32 Frequently Asked Questions (FAQs) If we use the Safe Harbor method for these non-permanent employees, would we need to use the Safe Harbor method for our permanent employees (to determine if working 30 hours per week)? Yes, in order to avoid IRS penalties, you must identify any common law employee regardless of how classified (permanent or otherwise) and offer those employees coverage that is affordable and has minimum value. Keep in mind that permanent full-time employees, those employed in permanent job positions on a recurring basis who work 30 or more hours per week for nine or more months per calendar year, are eligible for other coverage with the State Health Plan and not the HDHP. How and when do we get set up for ACH payments? Once you have access to the portal, you will be able to sign up for ACH. So just to clarify, for any special requests needed for the HDHP coverage, we will use the same exception process that we use now for the standard plans? The process will be the same. We will update the form so you can identify the exception as an HDHP exception. G 32
33 Frequently Asked Questions (FAQs) Who do we contact to set up the Open Enrollment period for our school system? If you are unable to use either the October or November Open Enrollment periods, you must contact the Plan at for an exception. How can members enroll in a Health Savings Account (HSA)? Various banks and credit unions offer an HSA. Eligible members are responsible for setting up their own Health Savings Account. To clarify on COBRAGuard: HBRs will need to log into the Dashboard and select "Census Upload" to load the file and to notify you of those employees that are newly eligible? Yes, HBRs will need to load eligible members by using the upload feature. 33
34 Frequently Asked Questions (FAQs) Will SHP provide an enrollment form for employees to complete if they cannot enroll online? Enrollment will only be available online. Members without computer access will be able to call to enroll. Will the HBR be responsible for entering all key data on an eligible employee? Yes, HBRs will be responsible for uploading information on eligible employees. What about waivers if an employee is already covered under spouse, do they decline like current employees? Yes. The Employing Unit has to show that it made the offer of coverage and so it is important to capture when an employee declines coverage. Must they decline each year, and in an Open Enrollment period? Yes. The Employing Unit has to show that it made the offer of coverage and so it is important to capture when an employee declines coverage. 34
35 Frequently Asked Questions (FAQs) Will you explain the difference between the department census and the enrollment report once again? The department census shows all employees (and dependents, if selected) that are actively enrolled in benefits. If an employee has waived coverage they will show on this report as well. The enrollment report will show all pending enrollments for employees and dependents, as well as the pending benefit the employee has selected. 35
36 Thank you!
If an employee has the high deductible plan coverage, and they lose their job, is this plan eligible for COBRA continuation?
High Deductible Health Plan HBR Frequently Asked Questions (FAQs) If an employee has the high deductible plan coverage, and they lose their job, is this plan eligible for COBRA continuation? Yes, members
More informationHigh Deductible Health Plan Enrollment and Billing Portal Update. December 2014
High Deductible Health Plan Enrollment and Billing Portal Update December 2014 Presentation Overview Eligibility Reminders Administration Information HDHP Benefit Overview Employee/Employer Rates Enrollment
More informationState Health Plan Charter School Presentation. November 2017
State Health Plan Charter School Presentation November 2017 Overview of Topics State Health Plan Overview Legislation and Process New Group Setup Eligibility and Enrollment Group Premiums Overview of Plan
More information2016 New Employee Enrollment Kit High Deductible Health Plan (HDHP)
2016 New Employee Enrollment Kit High Deductible Health Plan (HDHP) This is a brief summary of plan benefits. For a full description of benefits, refer to the applicable plan benefits booklet, which is
More informationfor employers Quick Reference Guide for Plan Administrators of Personal Funding Accounts inside:
for employers Quick Reference Guide for Plan Administrators of Personal Funding Accounts inside: Welcome... 2 Implementation of Personal Funding Accounts... 4 Steps for Employers... 4 Steps for Employees...
More informationSanford Health Value Plan (HDHP+HSA) Frequently Asked Questions
Sanford Health Value Plan (HDHP+HSA) Frequently Asked Questions August 2017 This document is intended to answer frequently asked questions regarding Sanford Health s Value Plan (HDHP+HSA). Additional information
More information2019 State Health Plan Open Enrollment. Open Enrollment Dates: Sept. 29-Oct. 31, 2018
2019 State Health Plan Open Enrollment Open Enrollment Dates: Sept. 29-Oct. 31, 2018 Introducing the State Health Plan s New Website The new website has a new look and feel and is NOW mobile responsive!
More information2018 IRS ACA Reporting Reviewing, Correcting, and Certifying Your Forms 1095-C
Revised Jan. 17, 2019 2018 IRS ACA Reporting Reviewing, Correcting, and Certifying Your Forms 1095-C SB-25770-XXXX Need Help? You are welcome to call your consultant with any questions at 800-654-8489
More information2019 Health Savings Plan and Health Savings Account Questions
2019 Health Savings Plan and Health Savings Account Questions Contents Health Savings Plan (HSP)... 2 Health Savings Account (HSA) Overview... 4 Opening and Funding Your HSA... 5 Managing Your HSA... 8
More information2018 IRS ACA Reporting Completing Your Confirmation Page
Revised Oct. 23, 2018 2018 IRS ACA Reporting Completing Your Confirmation Page SB-25770-XXXX Need Help? You are welcome to call your consultant with any questions at 800-654-8489 and their extension: Kim
More informationHBR TRAINING TPA Implementation. April 2018
HBR TRAINING TPA Implementation April 2018 Agenda Medicare Manager Changes How to identify HICNs changing to MBIs How to maintain accurate Medicare information Transfer of documents and Dependent Verifications
More informationGREATER KANSAS CITY LABORERS HEALTH & WELFARE FUND FREQUENTLY ASKED QUESTIONS & ANSWERS
Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS? A. You can become eligible and receive benefits by working a sufficient number of hours for a Contributing Employer who makes contributions to
More informationInformation on COBRA, CDS and the Affordable Care Act
Information on COBRA, CDS and the Affordable Care Act 1. What is COBRA continuation coverage? COBRA is not an insurance company, nor is it health insurance. COBRA is an abbreviation for a federal regulation
More informationYour Guide to the Anthem Lumenos High Deductible Health Plan (HDHP)
2018 Your Guide to the Anthem Lumenos High Deductible Health Plan (HDHP) The Anthem Lumenos HDHP is a medical plan that offers comprehensive coverage for everything from doctor visits, x-rays and lab tests,
More information2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS
Oct. 1, 2014 2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS Changes to The Hartford s 2015 Health Plan Options Consumer-Directed Health Plan (CDHP) Options Health Savings Accounts (HSA) Healthy Lifestyle
More informationAetna Standard Open Choice PPO 1 (Only available in IN, IL and in other states outside of managed choice
Aetna Standard Open Choice PPO 1 (Only available in IN, IL and in other states outside of managed choice operational areas) Open Choice PPO 1 MEDICAL PLAN ENROLLMENT CODE ACPPO Estimated Metal Level Platinum
More informationAetna Open Access Managed Choice POS HDHP 2
Aetna Open Access Managed Choice POS HDHP 2 Managed Choice POS HDHP 2 MEDICAL PLAN ENROLLMENT CODE AMHD2 Estimated Metal Level Silver Carrier Network Managed Choice POS In-Network Out-of-Network Calendar-Year
More information2016 Compliance Checklist
Brought to you by Risk Management Advisors, Inc. 2016 Compliance Checklist The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted over four
More informationWelcome to Mid-Year Medical Renewal 2012!
Inside this issue: Your Current 0 Premiums Dental and Flex Spending Open Enrollment Information Basic Life and AD&D Insurance Humana Supplemental Products Lincoln Financial Ancillary Products FAQs (Medical,
More information2017 New Employee Benefits Guide
2017 New Employee Benefits Guide INTRODUCTION Introduction This guide provides a brief overview of your Houston County Schools benefits and the enrollment process. The guide also contains important benefit
More informationDear Plan Participant,
Dear Plan Participant, Each year you have the opportunity to review your current health insurance benefits and make changes to these benefits for the upcoming plan year. This year s open enrollment period
More informationYour Benefits News. City of Tacoma 2019 Open Enrollment. Nov. 1 Through Nov. 19. Inside This Issue for Tacoma Police Union Local #6
Your Benefits News Tacoma Employees and Family Members, Choosing your benefit plans is an important decision for you and your family. Please review this Open Enrollment Newsletter to learn about the benefit
More informationFrequently Asked Questions Health Insurance Marketplace
What is the? The (www.healthcare.gov) is a federally or state-run (in some areas) website where individuals and families can check to see if they qualify for, and enroll in, medical and prescription drug
More informationOpen Enrollment Period: July 14 - August 29, 2014
- 1 - CYPRESS-FAIRBANKS INDEPENDENT SCHOOL DISTRICT SUBSTITUTE EMPLOYEES OPEN ENROLLMENT / NEW HIRE PACKET AUGUST, 2014 Medical Insurance Available to Substitutes and Other Temporary Employees Expected
More informationReady, Set, Enroll! Take Action For Benefits
Ready, Set, Enroll! Take Action For Benefits KEY CHANGES FOR OPEN ENROLLMENT 1. Active Open Enrollment 2. Single sign-on for BenefitFocus through mybama 3. Pharmacy Benefit changing to Prime Therapeutics
More informationAetna Open Access Managed Choice POS 3
Aetna Open Access Managed Choice POS 3 Managed Choice POS 3 MEDICAL PLAN ENROLLMENT CODE AMPS3 Estimated Metal Level Gold Carrier Network Managed Choice POS In-Network Out-of-Network Calendar Year Deductible
More informationFAQs: State Exchange Model Notices
FAQs: State Exchange Model Notices The Department of Labor (DOL) has posted a draft Exchange/Marketplace Notice on their website and wants your feedback on the model forms. According to Technical Release
More informationMy Rewards Benefits Enrollment Guide. Newly Eligible U.S. Team Members. My Pay/Recognition My Benefits My Work/Life My Career Growth
My Rewards Newly Eligible U.S. Team Members My Pay/Recognition My Benefits My Work/Life My Career Growth 2016 Benefits Enrollment Guide 2 2016 Benefits Enrollment Guide - Newly Eligible U.S. Team Members
More informationMandatory Online Open Enrollment November 9-23, 2015
Mandatory Online Open Enrollment November 9-23, 2015 MVPOE16 All enrollees eligible for coverage must enroll. If you want to keep your current coverage, you must enroll online. If you waive your insurance
More informationI S S U E N O. 1 O C T 23 N O V 9, Open Enrollment EMPLOYEES - PLAN YEAR 2018 COUNTY OF FRESNO
I S S U E N O. 1 O C T 23 N O V 9, 2 0 1 7 Open Enrollment EMPLOYEES - PLAN YEAR 2018 COUNTY OF FRESNO CONTENTS 02 IMPORTANT REMINDERS 04 BIWEEKLY PREMIUMS & PRESCRIPTION 05 MEDICAL COVERAGE 07 DENTAL
More informationWeb Benefits Admin User Guide
Web Benefits Admin User Guide. Table of Contents Navigate to Web Benefits... 3 Accessing Employee User Accounts... 4 Employee profile... 4 Active coverage... 5 Event history... 6 Family... 6 Adding a New
More informationHealth Savings Account (HSA) Overview
Health Savings Account (HSA) Overview Health Savings Account (HSA) Overview Health Savings Account (HSA) Overview... 2 Contributions... 4 Disbursements... 5 Disbursement Options... 6 HSA Base Account...
More informationAetna Open Access Health Network Only HMO 2 (Not available in CA, CT or NY)
Aetna Open Access Health Network Only HMO 2 (Not available in CA, CT or NY) Health Network Only HMO 2 MEDICAL PLAN ENROLLMENT CODE ANH2 Estimated Metal Level Gold Carrier Network Aetna Health Network Only
More informationThe Essential Guide to Your 2017 Benefits. For Student Interns and Co-op Employees
The Essential Guide to Your 2017 Benefits For Student Interns and Co-op Employees Welcome What sinside 3 5 6 8 9 Enrolling for Benefits Paying for Your Benefits Medical and Prescription Drug Coverage Health
More information2017 R e t i r e e B e n e f i t s O v e r v i e w
2017 R e t i r e e B e n e f i t s O v e r v i e w About This Guide The City of Winston-Salem offers a comprehensive suite of benefits to promote health and financial wellness for you and your family.
More informationHealth Savings Account (HSA) Overview
... 2 Contributions... 4 Disbursements... 5 Disbursement Options... 6 HSA Base Account... 7 Self-Directed Brokerage Account Option... 8 About UMB... 9 Appendix A: HSA Website Navigation... 10 Appendix
More informationYour PayFlex Account Guide
Your PayFlex Account Guide Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), & Flexible Spending Accounts (FSAs) Plan Year: January 1, 2015 December 31, 2015 For the 2015 plan year,
More informationNEW for 2019 High Deductible Health Plan
NEW for 2019 High Deductible Health Plan In addition to the Standard and Choice PPO plans, Larimer County will be offering a third option for the 2019 plan year. What? Why? The IRS defines a high deductible
More informationPlease read annual enrollment. Important changes are coming to the BP Retiree Medical Plan. October 24 November 4
Please read Important changes are coming to the BP Retiree Medical Plan. 2017 annual enrollment October 24 November 4 What s inside? 2 3 5 7 9 10 11 13 What s changing Compare your new coverage How it
More informationGroup Administrator Guide administering your regence health plans
Regence BlueShield of Idaho is an Independent Licensee of the Blue Cross and Blue Shield Association Group Administrator Guide administering your regence health plans Group Administrator s Guide Contents
More informationFrequently Asked Questions: HDHP with HSA 2011 Annual Enrollment. What s New for 2011
Frequently Asked Questions: HDHP with HSA What s New for 2011 1. Will my High Deductible Health Plan with Health Savings Account (HDHP with HSA) vendor be the same in 2011? 2. If my medical plan vendor
More informationFlexible Spending Account (FSA) Enrollment Kit
Flexible Spending Account (FSA) Enrollment Kit Significant Savings 24/7 Web access Fast, Efficient, Convenient The benefit that benefits everyone With the EBS RMSCO Debit Card B 3384 An FSA means more
More informationHealth Savings Account (HSA) Plan User Guide
Page 1 Health Savings Account (HSA) Plan User Guide Welcome to Symantec s Health Savings Account (HSA) Plan You ve enrolled in the Health Savings Account (HSA) Plan, a medical plan option that represents
More information2018 HEALTH SAVINGS ACCOUNT (HSA) FREQUENTLY ASKED QUESTIONS
HSA Overview 2018 HEALTH SAVINGS ACCOUNT (HSA) FREQUENTLY ASKED QUESTIONS 1. What is the Rimkus Consulting Group Health & Savings Plan? The Rimkus Consulting Group Health & Savings Plan is a Consumer Driven
More informationHealth Savings Accounts
Health Savings Accounts A Guide for Missouri School Districts January, 2007 Forrest T. Jones & Company, Inc. 3130 Broadway Kansas City, MO 64111 800-821-7303 What is a Health Savings Account (HSA)? Health
More informationEmployer Administration Guide. BenefitWallet Employer Administration Guide
Employer Administration Guide 1 Contents Welcome...3 HSA Fees and Rates...4 USA PATRIOT Act Screening...5 HSA Contribution Limits...6 Frequently Asked Questions...7 Contact Us...9 2 Welcome BenefitWallet
More informationAnnual Notice of Changes for 2019
offered by Missouri Medicare Select, LLC You are currently enrolled as a member of Missouri Medicare Select (HMO SNP). Next year, there will be some changes to the plan s costs and benefits. This booklet
More informationA smart investment toward future health care expenses
Consumer accounts 1 A smart investment toward future health care expenses A health savings account (HSA) is a bank account owned by you. Use it to save money tax-free to pay for qualified expenses. Never
More informationFrequently Asked Questions (FAQ s) A guide to answering critical questions during Open Enrollment
Frequently Asked Questions (FAQ s) A guide to answering critical questions during Open Enrollment Contents Health Savings Account:...3 What is a health savings account (HSA)?...3 Why should I participate
More informationGoverning Board Recommendation Packet Employee Benefit Plans
Governing Board Recommendation Packet Employee Benefit Plans Plan Year July 1, 2015 June 30, 2016 Presented by: March 11, 2015 G:\WINAPPS\5GRPACTS\Florence Unified School\2015\Meetings\15 03 11 Governing
More informationImportant Information About Your 2013 Benefits Enroll or make changes November 26 December 7, 2012
If you don t take action you will have no coverage for 2013. Important Information About Your 2013 Benefits Enroll or make changes November 26 December 7, 2012 Things to Know If you do nothing, you will
More informationBenefits Module Release Notes
Release Notes for 03/12/19 Modifying an Existing Quality of Life Event The functionality for an employee to modify an existing Qualifying Life Event (QLE) or choose to begin a new QLE will be released
More informationELIGIBILITY INFORMATION YOU NEED TO KNOW
EMPLOYEE BENEFITS PLAN YEAR 2017-2018 TABLE OF CONTENTS Eligibility Information You Need to Know 3 Medical Benefits / Premiums 4 Deductible Type / Alternative Prescription Drug Program 6 Arkansas Blue
More informationDEPENDENT CARE FLEXIBLE SPENDING ACCOUNTS (FSA)
DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTS (FSA) Plan Details Administrator: OneDigital Local Phone: (952) 939-0911 option 1 Toll Free Phone: (888) 939-0922 Website: https://wwws.corphealthsys.com/fsa/index.php
More informationPenn State Flexible Spending Account (FSA) and Health Savings Account (HSA) Benefits Effective January 1, 2018
Penn State Flexible Spending Account (FSA) and Health Savings Account (HSA) Benefits Effective January 1, 2018 Administered by HealthEquity Member Services: 866-346-5800 15 West Scenic Pointe Drive, Suite
More informationHealth. Savings. FAQs. The following are frequently asked questions and answers regarding the Health+Savings Option in the BP Medical Plan.
Health Savings FAQs The following are frequently asked questions and answers regarding the Health+Savings Option in the BP Medical Plan. Note: Health Savings Account (HSA) tax laws vary by state. You might
More information2018 HSA GUIDE. ...Your Benefits
...Your Benefits 2018 HSA GUIDE The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the
More informationRegarding non-student dependents over age 19; can funds from an HSA be used for their qualifying expenses?
Are employee elections required every plan year like an FSA? Elections to pay for benefits on a pre-tax basis through a cafeteria plan are generally required for each Or are they continuous until the employee
More informationFrequently Asked Questions High-Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Frequently Asked Questions High-Deductible Health Plan (HDHP) with Health Savings Account (HSA) BASICS OF A HIGH-DEDUCTIBLE HEALTH PLAN (HDHP) What is a high-deductible health plan (HDHP)? An HDHP is a
More informationWestlake Chemical 2019 BENEFITS GUIDE
Westlake Chemical 2019 BENEFITS GUIDE Westlake Chemical Benefit Guide What s Inside About This Guide...1 Your 2019 Benefits Summary...1 Eligible Dependents...1 When Coverage Is Effective...1 Medical Plan
More informationEmployee Benefits Corporation Advanced HSAs P a g e 1. General Presentation Questions. General HSA Questions
Employee Benefits Corporation Advanced HSAs P a g e 1 Advanced HSAs: Prevent This Year's FSA from Disqualifying Next Year's HSA Q&A the following questions were asked during the two webinar sessions in
More information2019 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS
2019 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS Updated 10/19/2018 Open Enrollment... 3 ELIGIBILITY... 5 Dependent Eligibility... 5 Part-Time Eligibility... 6 Medical... 6 Savings & Spending Accounts...
More informationClick on a section or question to be taken directly to the answer you re looking for, or read through all the questions and answers.
Frequently Asked Questions: HDHP with HSA 2012 Annual Enrollment Table of Contents Click on a section or question to be taken directly to the answer you re looking for, or read through all the questions
More informationYour PayFlex Account Guide
Your PayFlex Account Guide Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs) & Flexible Spending Accounts (FSAs) Plan Year: January 1, 2017 December 31, 2017 For the 2017 plan year,
More informationGroup Benefits Package for Professional Employees Represented by SPEEA. Retiree Medical Plan Attachment B (Professional Unit) January 1, 2018
Group Benefits Package for Professional Employees Represented by SPEEA Retiree Medical Plan Attachment B (Professional Unit) January 1, 2018 ATTACHMENT B Attachment B Table of Contents ELIGIBILITY... 1
More informationOpen Enrollment. November 1-15, 2018
Open Enrollment November 1-15, 2018 Active Open Enrollment Health Plan Financial Status Dental & Vision Premiums High Deductible Health Plan (HDHP) Health Savings Account PPO Plan Design Changes Flexible
More information2016 Open Enrollment Presentation
2016 Open Enrollment Presentation Agenda Provider Changes Open Enrollment Information Compass Professional Health Services Explanation of each benefit plan Health Savings Accounts (HSA) Premiums Gallagher
More information2016 State Health Plan Annual Enrollment
2016 State Health Plan Annual Enrollment Agenda Annual Enrollment Changes Overview of the 2016 changes Wellness Premium Credits Review of 2016 Plan options 2016 NCFlex Changes 2 Log In to enroll at: hr.unca.edu/2016-insurance-enrollment
More information2019 HSA Guide. Read more inside! 2019 HSA Guide
The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the Health Savings Account and the
More informationFrequently Asked Questions: Open Enrollment 2017
Frequently Asked Questions: Open Enrollment 2017 GENERAL 1. How do I enroll? Complete your required 2017 benefit elections at www.benefitsolver.com by midnight CT Friday, November 11. Do you need help
More informationWhat is the Affordable Care Act? CONTENTS:
What is the Affordable Care Act? CONTENTS: Marketplace Page 2 Identifying employees Page 5 Large employer Page 5 Hours included in full-time status calculation Page 7 Determining fulltime status (measurement,
More informationFREQUENTLY ASKED QUESTIONS. High Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs)
FREQUENTLY ASKED QUESTIONS High Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs) ABBVIE EMPLOYEES WANT TO KNOW High Deductible Health Plans Q. What is a High Deductible Health Plan (HDHP)?
More informationWelcome to Florida State University. This is an overview of the Insurance options and additional perks available.
Welcome to Florida State University. This is an overview of the Insurance options and additional perks available. 1 If you need assistance with enrolling, or making changes to your insurances, log onto
More informationFloridaBlue BlueOptions PPO 3
FloridaBlue BlueOptions PPO 3 PPO 3 MEDICAL PLAN ENROLLMENT CODE FBO3 Estimated Metal Level Silver Carrier Network BlueOptions 05901 In-Network Out-of-Network Calendar-Year Deductible (Deductible applies
More informationYour Guide to the Flexible Spending Accounts and the Health Savings Account
2019 Your Guide to the Flexible Spending Accounts and the Health Savings Account INTRODUCTION We re all looking for ways to save money and stretch our benefits dollars just a little bit further. Marathon
More informationOPEN ENROLLMENT. Public School Employees (PSE)
2019 OPEN ENROLLMENT Public School Employees (PSE) What s Inside Open Enrollment... 3 Enrolling Online... 5 Health Insurance 101... 6 Health Plans... 7 Securian...13 HSA...14 Links to Forms...16 Contacts
More informationFloridaBlue BlueOptions HDHP Bronze
FloridaBlue BlueOptions HDHP Bronze HDHP Bronze MEDICAL PLAN ENROLLMENT CODE FHDB Estimated Metal Level Bronze Carrier Network BlueOptions Plans 05172 & 05173 In-Network Out-of-Network Calendar-Year Deductible
More information2017 Lubbock County Enrollment Guide
2017 Lubbock County Enrollment Guide Choose Well Plan Well Live Well WELCOME This guide is designed to help you understand your benefits. Review this material carefully before making your enrollment decisions.
More informationFREQUENTLY ASKED QUESTIONS. TexFlex Card Swipe Validation Process
FREQUENTLY ASKED QUESTIONS What is a Card Swipe Validation Request? TexFlex Card Swipe Validation Process A TexFlex SM Card Swipe Validation Request is a notification sent by email (or by mail if you don
More informationQ2. Where can consumers and small businesses purchase BlueSimplicity plans?
Learn More Frequently Asked Questions 2017 BlueSimplicity SM Member Q&A BlueSimplicity Plans o Plan basics and availability o Access to care o Benefit design BlueSimplicity Plans Plan basics and availability
More informationThe Affordable Care Act
The Affordable Care Act Employers Guide to 2015 and Beyond For Small Groups Summary Jan. 1, 2014, ushered in new Affordable Care Act (ACA) health insurance market reforms. These changes are impacting the
More informationCarroll County Public Schools. Flexible. Benefits. Guide
Flexible Benefits Guide 125 North Court Street Westminster, MD 21157 Together - It's Possible! 2019 Flexible Benefits Program Table of Contents Overview 3 Medical and Prescription Drug 5 Dental 11 Vision
More informationFlexible Spending Account (FSA)
Flexible Spending Account (FSA) Confirmation Form 3880 (11/2016) Page 1 of 7 The following form collects the critical information WageWorks needs to prepare and properly service your program for the upcoming
More information2018 EMPLOYER WORKSHOP. school #1 webinar. welcome Employer Workshop 2 School #1
2018 EMPLOYER WORKSHOP school #1 webinar welcome 2018 Employer Workshop 2 School #1 welcome Topics Welcome Useful Tools Membership Optional Life Insurance Long-term Disability Death Benefits 2018 Employer
More informationHealthEquity FSA/DCRA Flexible Spending Account/Dependent Care Reimbursement Account
HealthEquity FSA/DCRA Flexible Spending Account/Dependent Care Reimbursement Account FSA/DCRA Employer Enrollment Guide Easy as 1, 2, 3 HealthEquity makes implementing FSA/DCRA easy. This guide provides
More informationBenefits Services Oracle Employee Self Service And Web Page Services
Benefits Services Oracle Employee Self Service And Web Page Services Employees can now access many benefits services online through Oracle Employee Self Service. Select the BENEFITS option to enroll in
More informationCPChem Benefits 2017 Open Enrollment Overview
CPChem Benefits 2017 Open Enrollment Overview October 2016 Table of Contents 2017 Open Enrollment Overview What s Changing for 2017 (Benefit Changes) Mercer BenefitsCentral the new enrollment website Premium
More informationOracle US Benefits Health Savings Account (HSA) Medical Plan Frequently Asked Questions (FAQs)
Oracle US Benefits Health Savings Account (HSA) Medical Plan Frequently Asked Questions (FAQs) HSA Medical Plan Frequently Asked Questions A health savings account (HSA) paired with a qualifying high-deductible
More information2018 Compliance Checklist
Provided by Hodge, Hart & Schleifer 2018 Compliance Checklist The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted in 2010. Many of these
More informationBenefit Meeting Plan Year beginning 06/01/2017
Benefit Meeting Plan Year beginning 06/01/2017 What s Happening? Changing Claim Administrator Moving to UMR Deductibles/Out-of-Pockets met will be credited to new plan Qualified High Deductible Health
More informationOpen Enrollment Starts April 10, 2017
Benefits Enrollment Guide 2017 2018 For Benefits Effective July 1, 2017 Welcome to 2017 2018 Open Enrollment for Gilbert Public Schools (GPS). During the plan year, July 1, 2017 through June 30, 2018,
More informationHealth+Savings FAQs. The following are frequently asked questions and answers regarding the Health+Savings Option in the BP Medical Plan.
Health+Savings FAQs The following are frequently asked questions and answers regarding the Health+Savings Option in the BP Medical Plan. Note: Health Savings Account (HSA) tax laws vary by state. You might
More informationHealth Savings Account?
A new approach to Your Health Benefits I S N T I T T I M E F O R A Health Savings Account? HSAs are complex arrangements subject to various IRS rules and regulations, which are not all explained in this
More informationHealth Care Plans A14742W. Health Care Plans 2009 Edition
Health Care Plans Summary Plan Description 2009 Edition/Union-Represented Employees IBCJA 721; IBEW 2295; IBPATA 36; IBT 578 and 952; UAW 864, 887, 952, 1519, and 1558; SMWIA 461 The summary plan description
More informationNCFlex Frequently Asked questions
NCFlex NCFlex Frequently Asked questions BENEFITS How often can I go to the dentist for a routine cleaning/check-up? Twice a year. How do I know if a service is covered or not? Visit the NCFlex website
More informationFlex Represented Frequently Asked Questions (FAQ) During Work Stoppage
Flex Represented Frequently Asked Questions (FAQ) During Work Stoppage Health and Welfare Benefits Your Health and Welfare Benefit Plans require that you be actively working in order for coverage to continue.
More informationHEALTH SAVINGS ACCOUNT (HSA)
HEALTH SAVINGS ACCOUNT (HSA) WELCOME KIT TABLE OF CONTENTS Your Health Savings Account (HSA) 3 Online Registration 4 Accessing Your HSA Online 5 NueSynergy Mobile App 6 HSA Debit Card 7 Eligible Medical
More informationSUMMARY PLAN DESCRIPTION PAYCHEX BUSINESS SOLUTIONS, LLC. FLEXIBLE BENEFITS CAFETERIA PLAN
SUMMARY PLAN DESCRIPTION PAYCHEX BUSINESS SOLUTIONS, LLC. FLEXIBLE BENEFITS CAFETERIA PLAN Revised effective September 1, 2018 1 PLAN HIGHLIGHTS Based on current tax laws, the dollars you elect to have
More informationAll Unify, Inc. Employees based in the U.S. From: Human Resources Open Enrollment Frequently Asked Questions (FAQs) Date: November 25, 2014
To: All Unify, Inc. Employees based in the U.S. From: Human Resources Re: Open Enrollment Frequently Asked Questions (FAQs) Date: November 25, 2014 In order to assist employees with Open Enrollment, Human
More informationOpen Enrollment. Flexible Spending Account with Benefits Debit Card
Open Enrollment Flexible Spending Account with Benefits Debit Card 5/2/2018 SIMPLIFYING THE BUSINESS OF HEALTHCARE 2 Open Enrollment Keep In Mind You can make changes, including: Enroll in Flexible Spending
More information