Edina Schools 2017 Open Enrollment Information

Transcription

1 + Edina Schools 2017 Open Enrollment Information

2 + Edina School District Agenda ACA Update Marketplace Trends in Healthcare Healthcare Renewal Blue Cross Blue Shield Health Insurance Information Plan Benefits Vision Plan / Dental Plan / Disability / Life Insurance FSA/HRA Online enrollment Questions 2

3 + ACA Update The ACA requires everyone to have minimum essential coverage coverage The plans offered by the district all provide minimum essential coverage Participants of the plan are not subject to any tax or penalty The cost increases occurring in the individual market and MnSure do not directly impact The District s plan offerings The Cadillac Tax, a tax on health care premiums, is the next change on the ACA horizon We will continue to work with district to mitigate the affect of this new tax scheduled to be in place by

4 + Marketplace Trends In Healthcare Healthcare costs continue to increase at a greater pace than inflation Most employers are offering healthcare plans with higher deductibles to counter increasing premiums The District implemented a 3 rd plan option last year with a higher deductible and lower premium 4

5 + Healthcare Renewal The District conducted an RFP for health insurance carriers for the 2017 and 2018 plan years Blue Cross Blue Shield of Minnesota was the chosen carrier Initially BCBS responded with a 9% increase for the plan offering in 2017 After a negotiation, BCBS agreed to offer a 5% increase to the plan offerings for

6 + Blue Cross Blue Shield 3 plan options $500 Deductible Plan $1500 Deductible Plan $4000 Deductible Plan 6

7 + Blue Cross Blue Shield Network for all 3 plans Aware Minnesota network An open access network with unparalleled breadth and depth of network, stability and discounts. It includes more than 39,000 providers statewide. BlueCard PPO National network A national network that enables members to obtain health care services while traveling or living anywhere across the United States; Includes more than 80 percent of physicians nationwide. 7

8 + 8 Blue Cross Blue Shield BCBS Rates 2016 Current BCBS Renewal Rates 2017 Rates total plan rate charged to the district $500 deductible plan 2016 $500 deductible plan 2017 Single $ Single $ Single +1 $1, Single +1 $1, Family $1, Family $1, $1500 deductible plan $1500 deductible plan Single $ Single $ Single +1 $1, Single +1 $1, Family $1, Family $1, $4000 deductible plan $4000 deductible plan Single $ Single $ Single +1 $1, Single +1 $1, Family $1, Family $1,418.56

9 + Plan Benefits - $500 Plan In-network Deductible Out-Of-Pocket Maximum $500 per person $600 per family $1,750 per person $3,600 per family Out-of-network $1,000 per person $2,000 per family $3,500 per person $6,400 per family Preventive Care 100% coverage 60% coverage after deductible Office Visits Hospital Visits Prescription Coverage 80% coverage after deductible 80% coverage after deductible $12/$30 copay generic/brand $45 copy non-preferred 60% coverage after deductible 60% coverage after deductible 9 $12/$30 copay generic/brand $45 copy non-preferred Prescription Out-Of-Pocket Maximum $750 per person $750 per person

10 + Plan Benefits - $1500 Plan In-network Out-of-network Deductible $1,500 per person $3,000 per family $2,000 per person $4,000 per family 10 Out-Of-Pocket Maximum $1,500 per person $3,000 per family $4,000 per person $8,000 per family Preventive Care 100% coverage 60% coverage after deductible Office Visits Hospital Visits Prescription Coverage 100% coverage after deductible 100% coverage after deductible 100% coverage after deductible 60% coverage after deductible 60% coverage after deductible 100% coverage after deductible

11 + Plan Benefits - $4000 Plan In-network Out-of-network Deductible $4,000 per person $8,000 per family $8,000 per person $16,000 per family 11 Out-Of-Pocket Maximum $4,000 per person $8,000 per family $10,000 per person $20,000 per family Preventive Care 100% coverage 60% coverage after deductible Office Visits Hospital Visits Prescription Coverage 100% coverage after deductible 100% coverage after deductible 100% coverage after deductible 60% coverage after deductible 60% coverage after deductible 100% coverage after deductible

12

13

14

15

16

17

18

19

20

21 Edina PEIP renewal increase ~ 3.1% (Pool average 3.5%) HSA Plan design enhancement for 2017 HSA out of pocket max lowered for CL 1, 2, 3. All other benefits same as Review 2017 Clinic Directory that was sent to you. Also available online at PCC choice must accompany enrollment changes. If changing primary care clinic only, you must contact your carrier at the number on the back of ID card. Online enrollment will only capture clinic changes if plan level or network carrier are changed; or if adding dependents.

22 2017 Clinic directory Highlights Allina (Edina Family Phy, BCBS 2 Edina Sports/Sharp Dillion/ANW Assoc.) Fairview Clinics (France Ave Phy.) Park Nicollet HealthPartners (HP owned) NA 1 NA North Memorial Clinics Northwest Family Phy North Clinics ~ Be sure to check the 2017 clinic directory for other changes. ~ Online access at: ~ If you are only changing your clinic, call the number on your ID card to make the change. HP 4 Innovo/PEIP customer service: shawn@innovomn.com P1 4

23 + Vision Plan Eye Med Rates no change for 2017 EE $4.90/ EE+Spouse $ 9.32 / EE+Family $13.69 Benefit refer to handout In Network Benefits Insight Network. To find a provider: Out of Network Benefits Reimbursement Plan Customer Service:

24 + Dental Plan Delta Dental Rates no change for 2017 Employee: $36.30 Employee + 1: $70.05 Family: $ Schedule of Benefits refer to handout 2 Networks - PPO & Premier. To find a provider, visit Customer Service (7am 7pm) or

25 + Disability & Life Insurance Disability Plan Madison National Life District provided Life Insurance Plan Madison National Life District provided Basic Life & Basic AD&D Voluntary Life Insurance for Employee, Spouse and Dependent Children Must complete medical questionnaire and be approved for coverage No change to the voluntary life rates 14

26 + 15 Employee Assistance Program & ID Theft EAP - Bensinger, Dupont & Associates Available to any benefit eligible employee (employees only, this does not cover dependents) Up to 3 in-person visits/consultations at no charge to the employee ID Theft Assistance AMT Consumer Services, Inc. Toll Free assistance 24/7 to guide you through the resolution process No cost and no need to sign up this is automatically available to you.

27 FLEXIBLE BENEFIT PLAN What is Flexible Spending? Set aside money pre-tax for eligible health care and dependent care expenses. Your taxable income may be reduced which will save you tax dollars and increase your take-home pay. Health Care Annual Maximum $2,550. Dependent Care Annual Maximum $5,000. MUST re-enroll on an annual basis! Questions: Reimbursement Team Option 1 Mn-reimbursement@onedigital.com 2

28 FLEXIBLE BENEFIT PLAN REMEMBER - Use it or Lose it! Plan year 1/1 12/31 Deadline to incur claims is 02/28/2017 Deadline to file claims is 3/31/2017 3

29 HRA OVERVIEW Automatically enrolled if: Prior year balance 2017 medical plan election Flex plan pays first Services need to be incurred after your effective date Deadline to file claims is 3/31/2017 4

30 DEBIT CARD Keep your debit card Card good for 3 years New participants: Watch for card Set of 2 cards in employees name Call CHS if you have not received your card by January 31 Replacement cards $5.00 fee Always retain documentation after use 5

31 2017 OPEN ENROLLMENT All employees must complete the on line enrollment system if you wish to make changes or enroll in a Flexible Spending Account (Health Care or Dependent Care) OE dates: October 26 November 9 6

32 ONLINE ENROLLMENT INSTRUCTIONS Step 1 - Login to site Open your web browser (e.g. MS Explorer, Firefox, etc.) and log into the following website:

33 ONLINE ENROLLMENT INSTRUCTIONS Step 2 - Login User ID: Will be computer generated. You will receive and with this information. Password: edina0116 The User ID and password are CASE SENSITIVE, they must be entered as lower case. Step 3 - Change Password You will be prompted to change your password. Follow the instructions on the screen.

34 ONLINE ENROLLMENT INSTRUCTIONS Step 3 - Review and accept the Terms and Conditions of the enrollment Review and accept the terms and conditions in order to proceed with the enrollment. You will be guided step-by-step through the enrollment process, just follow along, enter the required information and click button in the dialog box to update your personal information.

35 ONLINE ENROLLMENT INSTRUCTIONS Step 4 - Update your Personal Information Review your personal information for accuracy, make changes, and then press the button to save your changes. Click on button in the dialog box to review/update your dependent information.

36 ONLINE ENROLLMENT INSTRUCTIONS Step 5 - Update your Dependent Information (If any) Make any necessary changes to your dependent information. Select the button to add a dependent. You must enter complete information for all dependents that you i nte nd to cover under the benefit plans. Click the radio button next to an existing dependent to edit that dependent s personal information. Please note: system will prompt you for any incomplete data before it can save that dependent s information. When dependent information is completed click on button in the dialog box to review/update your elections.

37 ONLINE ENROLLMENT INSTRUCTIONS Step 6 - Make Plan Elections Make any benefit changes by using the drop down boxes by any coverage that indicates select option. See below screen print. Note: Any coverage with next to the name has a link to more information about the plan. Don t forget to press the button.

38 ONLINE ENROLLMENT INSTRUCTIONS Step 7 FSA Select a Reimbursement Method Select your reimbursement method; enter banking info if you want direct deposit. Press the Button to save your elections.

39 ONLINE ENROLLMENT INSTRUCTIONS Step 8 - Review / Change beneficiary information Review your beneficiary information for accuracy. If you wish to make changes, do so, then press the button to save your changes. When you have completed your beneficiary information click on button

40 ONLINE ENROLLMENT INSTRUCTIONS Step 9 - Confirm your enrollment Enter your address and click to complete your enrollment. You will then receive an with confirmation of your elections. Should you need to make adjustments, you can return to the site as often as you wish until the enrollment period closes at midnight on November 9th.

41 Questions? / Whom to contact? For General Questions contact: Carmen Trettel Benefit Administrator Corporate Health Systems, Inc ctrettel@onedigital.com For Flexible Spending/HRA Questions contact: Corporate Health Systems, Inc. Reimbursement Team Option 1 Mn-reimbursement@onedigital.com OR Cara Hendrickson Benefits Specialist District Wide Extension cara.hendrickson@edinaschools.org 16

42 + NIS Contact Information Nancy Bushard Phone ext Cell NIS Life Contact NIS LTD Contact NIS Dental Contact NIS Vision Contact 16

43 Questions Thank you for coming!