Frequently Asked Questions: Open Enrollment 2017

Transcription

1 Frequently Asked Questions: Open Enrollment 2017 GENERAL 1. How do I enroll? Complete your required 2017 benefit elections at by midnight CT Friday, November 11. Do you need help picking the benefits that are best for you? Visit 2. What happens if I don t enroll or make changes during Open Enrollment? 2017 Benefits enrollment (through is required for all employees because of the additional medical plan options and other changes impacting your benefits. If you don't enroll by November 11, you will default to no coverage in Why does my 2017 benefits summary display the Standard rate for medical insurance instead of the Gold rate for medical coverage when all MWH employees will start at the Gold rate? The medical plan premiums will be updated in Benefitsolver in late December. Be sure to compare your updated summary with the applicable wellness discount to your first 2017 paycheck. 4. Where can I ask questions? If you have questions after visiting ALEX at Call the Employee Resource Center (ERC) at (866) During open enrollment and prior to January 1, you may also speak with the Cigna OneGuide Concierge service at (888) I ve misplaced my username and/or password for the Benefitsolver website. How can I reset the information? If you need your username or password, go to and click Forgot your password? Enter the Company Key: STN, your Social Security number, and your date of birth. You will be prompted to answer your security questions. If you still need technical assistance, contact Benefit Solver at (855) What is the Company Key for the Benefitsolver website? STN in all capital letters.

2 Page 2 of It isn t open enrollment time at my spouse s company. How can I make changes now to his/her benefits? Per IRS Guidelines, coverage changes qualify as a life event, and many employers consider Open Enrollment at a spouse s company coverage change. That being said, it s up to the company to decide whether it wants to allow employees to drop the company plan mid-year. These coverage change rules are determined by the employer. Let your spouse s company know, and, depending on their policies, you may be able to make changes to your spouse s benefits effective January 1, MEDICAL 1. How do I check to see if my doctor is in the Cigna medical network? In addition to using the instructions below, the OneGuide Concierge team can help you verify if a doctor is in-network. Call them at (888) After January 1, you can register and use mycigna.com to check a provider directory. 1. Go to 2. Click the orange FIND A DOCTOR box at the top 3. Click the orange box FOR PLANS OFFERED THROUGH WORK OR SCHOOL 4. Choose what you are looking for: doctors, dentists, or places to receive medical care 5. Enter your location 6. Select a plan: OAP: Open Access Plus, OA Plus, Choice Fund OA Plus (note: employees in Alaska should select PPO: PPO, Choice Fund PPO ) 7. Enter a name, specialty or other search word. Search to see your results 2. What s the difference between the three Health Savings Account (HSA) plans? The HSA Value Plan does NOT have an employer contribution to the Health Savings Account; however, employee contributions are still allowed. The HSA Value Plan and HSA Base Plan have lower monthly premiums than the HSA Buy- Up, but higher deductibles and out of pocket maximums. The Value and Base plans also have what s called an embedded (or individual) deductible and out of pocket maximum, as opposed to the Buy-up plan (and the HRA) which have an aggregate (or combined) deductible and out of pocket maximum. Learn more about embedded vs. aggregate here. Other than these differences, the services covered are the same on all of the Cigna HSA plans.

3 Page 3 of What s the difference between the Cigna Health Reimbursement Account (HRA) and the Health Savings Account (HSA) plans? Trying to decide between the two types of plans? Let ALEX help: You can also review the side by side comparison of the HRA vs. HSA at the end of this FAQ document. In summary, the main difference is that the HRA fund is owned by Stantec and the HSA fund is owned by you. Other differences include how employer contributions are funded and how your deductible is paid. On the HRA plan, the annual employer contribution is funded upon initial enrollment and Cigna uses the account when claims are submitted to pay your first medical and prescription drug claims. It is automatic and you are not able to choose what Cigna pays from the HRA. On the HSA plan, the employer contribution is funded on a quarterly basis and you have full control over how those dollars are spent (remember, no employer contribution on the HSA Value plan). Cigna does not automatically pay the claims for you when claims are submitted. Instead, you choose how your claims are paid. Use an HSA debit card, submit a reimbursement request, select to pay your provider directly, or pay out of pocket for those expenses and allow your fund to grow. 4. Which plan is right for my family? That depends on you and your family s situation. ALEX can help you estimate your family s out of pocket expenses this year and pick the plan that works best for you. You may also find the HRA vs HSA comparison at the end of this FAQ document. 5. Can you provide an example of how the combined/aggregate deductible vs. the individual/embedded deductible works? Sure! Let s say you re on a family plan, and your spouse needs to have surgery. The surgeon notifies you that the Cigna negotiated rate for the surgery is $30,000. If you re on the HRA or the HSA Buy- Up plans, the entire family deductible and out-of-pocket maximum would be met after this procedure (that d be an out of pocket total of $6,000 on the HRA or $7,000 on the HSA Buy-Up). Cigna would cover the remaining cost of the surgery. Then, any costs incurred by your spouse OR anybody else on your plan over the course of the year would be covered by Cigna, since you have already met your out-of-pocket maximum. If you re on the HSA Base or HSA Value plans, in the exact same example, you would only be responsible for the individual deductible (or the embedded deductible) and out-of-pocket maximum for your spouse (limiting your deductible expenses to the $5,000 individual out-of-pocket maximum on the HSA Base or $6,550 on the HSA Value, instead of the $10,000/$13,100 family maximum). Then, Cigna would cover the remaining cost of the surgery AND any additional costs that your spouse incurs that year. If anybody else on your plan has expenses (you or your child),

4 Page 4 of 13 those expenses would apply to that person s individual deductible until your family reached the total out-of-pocket maximum for a family. (This example assumes services were provided at an in-network facility.) 6. If I currently have an account with HSA Bank does anything change? The current MWH accounts with HSA Bank will be moved to a new platform. While there is no action needed by you for this transition, there will be a short black out period at the beginning of the year. Stay tuned for more information after January 1. In addition, you will receive a new debit card. 7. I currently have/will have Medicare (Part A and/or Part B). Can I enroll in an HSA plan? If so, can I contribute to the HSA with my own money? You can enroll in the HSA plan, but, you CANNOT receive employer contributions to your HSA or make your own contributions. If you were previously enrolled in an HSA plan, you can still use those funds to pay for medical expenses, including those incurred while on Medicare such as Medicare deductibles, copays and coinsurance but not for Medigap or Medicare supplements. 8. My spouse is on Medicare. Can I still enroll in an HSA plan? Yes, both you and your spouse can still participate in the HSA and you are still eligible for both employer and employee contributions. 9. My children and/or spouse are not enrolled on my HSA plan. Can I still use the HSA to pay for their medical expenses? Yes, however dependent children must be under 24 years old and full-time students. Note this is different than the eligibility for the medical plan. 10. Can you enroll in the HSA account and medical insurance separately? No, the medical plan and the HSA account are coupled and cannot be separated. If you are enrolled in an HSA medical plan, you will receive a company contribution (HSA Value plan excluded) and you can also make your own contributions through payroll deduction. Instead, consider the Healthcare Flexible Spending Account (FSA) another option to contribute your own pre-tax dollars to an account to pay for eligible medical, dental and vision expenses. However, please note if you do enroll in an HSA program, you may enroll in the HSA Compatible FSA (aka limited purpose), which is limited to dental and vision expenses (medical only after deductible is met).

5 Page 5 of When will the Stantec contribution be funded to my HRA? HRAs are funded entirely at the beginning of the year. On January 1, Cigna will have access to the HRA and will pay applicable medical and Rx claims from the fund as long as there is an available balance. 12. When will the employer contribution be funded to my HSA? The annual HSA employer contribution is funded in four parts throughout the year as soon as administratively feasible, following the first paycheck of the quarter containing other benefit deductions. You must be enrolled in the HSA plan as an active employee on the day the funding takes place in order to receive the quarterly deposits. Remember, the Value plan does not include any employer contributions. 13. If I enroll in the HSA plan, do I have to contribute to the account? No, employee contributions to the HSA are completely optional. 14. Can I change my employee HSA contribution throughout the year? Yes, you can make changes to your pre-tax employee contributions at any time throughout the year by logging into your account at You can also make after-tax contributions on the HSA Bank website and then take the deduction on your taxes. 15. How can I access the funds in my HSA? To access the funds in your HSA, you may pay your provider directly from your account (using an online request or your debit card) or reimburse yourself via check or direct deposit. 16. Do I have to verify the expense every time I use the HSA debit card? Cigna/HSA Bank will not require you to submit proof of your expenses. However, you are responsible for keeping documentation of your own expenses when you use the funds in your HSA. Your Cigna medical and dental claims can be archived on the HSA Bank site once you give Cigna permission to share with HSA Bank. 17. Is there a time period in which I must request reimbursement from the HSA? No, you may be reimbursed for services incurred from the time the account was opened and you were on a high deductible health plan. Keep in mind, you are responsible for maintaining proof of your eligible expenses.

6 Page 6 of If I enroll in the HSA plan, can I still have a Healthcare FSA? Yes, except you are not permitted to have both an HSA and a traditional Healthcare FSA. You may, however, elect an HSA-Compatible FSA. If you elect the HSA medical plan, WageWorks (the FSA vendor) will make your Healthcare FSA an HSA-Compatible Healthcare FSA. If you participate in the HSA, you can still participate in the Dependent Care Flexible Spending Account and the pretax Commuter program. 19. Has anything changed under the Kaiser plan? Premiums have changed for the Kaiser plan for the 2017 plan year. The plan design remains the same. PHARMACY 1. Do I need to enroll separately for the CVS Pharmacy Program? No. As in previous years, with the election of a Cigna medical plan, you automatically receive prescription drug benefits through a pharmacy program and the premium is built into the Cigna medical plan premium. 2. Do I have to go to a CVS pharmacy? What about my neighborhood pharmacy that I already visit? You re not limited to CVS Pharmacies for your prescription needs. The CVS network includes many neighborhood pharmacies, including Target. If you visit a neighborhood pharmacy, you can call CVS at (855) to confirm that your pharmacy participates in the CVS network or visit 3. Do I have a separate deductible for the CVS Pharmacy Program? No, your pharmacy costs will continue to apply to your medical plan deductible and out-of-pocket maximums. When you visit the pharmacy, your claim under CVS is tied "real-time" to Cigna s claim management system to ensure the proper cost is charged based upon deductibles met, Preventive or Healthy Rx Savings programs, etc. 4. How do maintenance medications work with CVS? If you take maintenance medications (medications taken on a long-term, regular basis), these prescriptions fall under the Maintenance Choice Program. You may fill a 30-day supply up to two times at any in-network retail pharmacy. However, for the prescription to continue to be covered, you will need to set up fulfillment via 90 days supplies through the CVS RX Home delivery program. You may also pick up your 90-day supply at a CVS retail location. This helps to ensure that you have a supply on hand and it also saves you money on copays (after the deductible) and time on trips to the pharmacy.

7 Page 7 of What about prescriptions if I choose Kaiser? If you choose Kaiser as your medical plan all prescriptions will be filled through Kaiser pharmacies. 6. What is the new CVS Value formulary? A formulary is a list of medicines that are included on a prescription benefit plan. The CVS Value formulary covers all generic medicines and listed brand medicines. It does not cover unlisted brands. Example: For high cholesterol, the plan covers generic medicines (such as atorvastatin), but does not cover Crestor. What This Means for You: Ask your doctor to write a prescription for generic or a listed brand drug, if your current prescription is for an unlisted brand. This way the drug will be covered at your pharmacy, and will help you avoid paying more for your prescription. 7. What if I am unable to take a generic equivalent of a Brand name drug due to medical necessity? Your doctor should contact CVS/Caremark to discuss your options if he or she does not think the covered generic option is right for you. SPOUSAL OR DOMESTIC PARTNER SURCHARGE 1. Will I have to pay the spousal or domestic partner surcharge if my spouse or partner is on Medicare, or has a private policy through the health care exchange? What if my spouse s employer offers insurance, but my spouse isn t eligible for it? The spousal surcharge only applies to employees whose spouses or partners are eligible for a group medical plan (benefits with their employer). You would not need to pay the surcharge if your spouse or partner is not eligible for benefits, or if he/she is eligible for Medicare, or coverage on the health care exchange. 2. Will I have to pay the spousal or domestic partner surcharge if my spouse or partner elects dental or vision insurance and also works at MWH? No, the surcharge only applies to medical insurance. 3. How will the spousal or domestic partner surcharge be charged? A $150/month surcharge is added to your pre-tax medical premium ($75 per semi-monthly deduction or each paycheck for those paid weekly). It will not show as a separate charge on your paycheck deductions. It is also displayed on your Benefitsolver Benefits Summary.

8 Page 8 of Can my spouse or domestic partner elect vision or dental coverage and waive medical coverage? Yes, you and/or your dependents can waive coverage of one plan, while electing another. 5. Will I have to pay the spousal or domestic partner surcharge if my spouse is a Stantec/MWH employee? No, if your spouse is a Stantec/MWH employee, neither you nor your spouse would need to pay the surcharge. DEPENDENT VERIFICATION 1. Who is considered an eligible dependent? Your spouse, who may be the same or opposite sex. Your domestic partner, who must qualify under our program s guidelines. You must complete a Domestic Partner Affidavit or provide documentation showing that your domestic partnership is registered with a government agency. Children to age 26. You may cover your dependent children until they reach age 26, regardless of student status. To be eligible for this coverage, children do not need to be financially dependent on you for support, claimed as dependents on your tax return, residents of your household, enrolled as students, or unmarried. Children-in-law (spouses of children) and grandchildren are not eligible. Children includes natural children, legally adopted children, stepchildren, domestic partner s children, and foster children who are dependent on you during the waiting period before adoption. 2. What kind of documentation will be required to verify dependent status? If you choose to cover a dependent under the medical, dental or vision plan during Open Enrollment, you will be required to provide proof of dependent status by December 2, This includes a marriage certificate, birth certificate, and/or domestic partner affidavit (form available on IMPORTANT, you must still submit your benefit elections through Benefitsolver by November 11, 2016, but you have until December 2, 2016 to provide the dependent verification documents. If you miss the deadline, your dependents will not be enrolled in 2017 coverage.

9 Page 9 of 13 DENTAL 1. How do I check to see if my dentist is in the Cigna dental network? In addition to using the instructions below, the OneGuide Concierge team can assist in verifying if a dentist is in-network by calling (888) After January 1, you can register and use mycigna.com to check a provider directory. 1. Go to 2. Click the orange FIND A DOCTOR box at the top 3. Click the orange box FOR PLANS OFFERED THROUGH WORK OR SCHOOL 4. Choose what you are looking for: doctors, dentists, or places to receive medical care 5. Enter your location 6. Select a plan: Cigna Dental PPO or EPO 7. Enter a name, specialty or other search word. Search to see your results 2. What if my dentist is not in our Cigna dental network? Dentists outside the network can charge whatever they wish, so you may have to pay more for your care. An out-of-network dental provider may require you to pay the full cost of your dental service up front and file a claim for reimbursement. FLEXIBLE SPENDING ACCOUNTS 1. What is an FSA (Flexible Spending Account)? An FSA allows you to set aside a portion of your pre-tax dollars to pay for qualified expenses. Stantec offers a traditional and HSA-Compatible Healthcare FSA, a Dependent Care FSA and a Commuter FSA. Money deducted from your paycheck into an FSA is not subject to payroll taxes, resulting in substantial payroll tax savings. 2. How much can I put in a Traditional FSA? Minimum: $100. Maximum: $2, Does the Stantec Healthcare FSA have a "Use It or Lose It" rule or does it allow carryover? You can rollover of up to $500 of unused Healthcare FSA funds at the end of the 2017 plan year. 4. What is an HSA-Compatible FSA? It is the same as a traditional, general-purpose Healthcare FSA (HCFSA) with one main exception. If you have an HSA medical plan, you cannot enroll in a traditional HCFSA. You can enroll in an HSA-Compatible FSA (also known as a limited purpose FSA). An HSA-Compatible FSA allows you to set aside pre-tax dollars to pay for eligible dental and vision expenses. It cannot be used for

10 Page 10 of 13 medical expenses until you have met your medical deductible. After your medical deductible is met, you can complete a form to have your HSA-Compatible FSA switched to a traditional HCFSA. 5. How much can I put in an HSA-Compatible FSA? Minimum: $100. Maximum: $2, Why choose an HSA-Compatible FSA? It helps you maximize your tax savings. You can also reserve your HSA as a savings/investment account while using your HSA-Compatible FSA for eligible dental and vision expenses. HSA- Compatible FSA election amounts are available January 1, while the HSA is available as you and Stantec contribute. WELLNESS 1. How does the Wellness plan work? The wellness plan is new for most MWH employees and will be rolled out in Q after Open Enrollment. Look for more information then. 2. Why is the Gold level being used for all MWH employees? MWH employees did not participate in the 2016 Stantec wellness program to determine incentive rewards for 2017; therefore, your premiums will be based on the Gold level when electing a medical plan. 401(K) 1. How do I enroll in the 401(k)? Current elections with Fidelity will continue through December 31. Starting in January, you will be eligible to enroll in the Stantec 401(k) with Merrill Lynch. More information including a separate FAQ, videos, and webinars will be provided in December. Constructors Craft and Slayden Craft employees will receive more information about a separate plan in December.

11 Page 11 of 13 EMPLOYEE STOCK PURCHASE PLAN (ESPP) 1. Can I be a shareholder? Stantec is a publicly traded company which allows you to purchase stock. In addition, Stantec has a stock ownership program for employees called the Employee Share Purchase Plan (ESPP). They offer a 2:1 match for stock ownership up to 2% of your salary. This means Stantec will match 1% of your pay if you contribute 2% or more and.5% if you contribute 1%. 2. How do I enroll in the ESPP? You will be able to enroll starting in January. More information will be coming soon. 3. Can I sell my Stantec stock held in Stantec s Employee Stock Purchase Plan (ESPP) at any time? Yes, but please be aware any sale of shares that are less than two years old will result in a 12-month suspension of your company-matching contributions. During this period, your contributions will continue and only the employer matching contribution will stop. After the 12-month suspension period has elapsed, the employer matching contribution will be automatically reinstated by the benefits team. 4. What happens to my shares in Stantec s ESPP program if I leave the company? If you have Stantec shares in your ESPP account when your employment ends, you have several options including leaving your shares in your current account, selling your shares or transferring your shares to a brokerage account.

12 Page 12 of 13 HRA vs HSA Comparison Table How does it work? How does this work with my health plan? Is there a deductible? Who may contribute? When is the money funded? What may be included in eligible health care costs? HRA Each year, your employer sets aside an amount in your HRA. This fund is used by Cigna to cover medical care costs that are eligible under your medical plan only. When a claim is submitted to Cigna, your HRA funds will be used first to pay for eligible medical expenses. Once your HRA fund is exhausted, you are responsible for 100% of covered services until you meet your deductible. Once your deductible is paid, you will only be responsible for coinsurance. When you reach your annual out-of-pocket maximum, the plan covers 100%. Yes, this is an amount you pay each year before your medical plan begins to pay for your covered services. The fund is used to pay down your deductible (and possibly coinsurance amounts). You are responsible for costs after the fund exhausts. Your HRA is only funded by your employer. Employee contributions are not allowed. Funding happens in conjunction with benefit s effective date. Deductibles, coinsurance, and prescription drugs. HSA You own and manage your HSA. Much like any other savings account, you control your contributions and how your money is spent. The account remains yours if you leave the company. Your HSA funds may be used to pay for eligible medical expenses (deductible, coinsurance and applicable copays). You are responsible for 100% of covered services until you meet your deductible. Once your deductible is paid, you will only be responsible for coinsurance. When you reach your annual out-of-pocket maximum, the plan covers 100%. Yes, this is an amount you pay each year before your plan begins to pay for your covered services. You can use the HSA to pay down your deductible and other out of pocket expenses. You, your employer, or others may contribute up to a yearly maximum (for 2017, the individual total maximum is $3,400 and the family total maximum is $6,750). Employer contributions are funded at the beginning of each quarter. Pre-tax employee contributions are funded per paycheck. Post-tax contributions are funded as they are made. The HSA Value Plan does not have any employer contribution to the HSA; employee contributions are still allowed. Deductibles, coinsurance, prescription drugs, vision care, dental care, orthodontia, and much more.

13 Page 13 of 13 HRA Does it earn interest? No Yes, your HSA is a savings account that earns interest. HSA Do I have to use all of the funds by the end of the year? No, any unused funds will carry over into the following year when enrolling in the HRA plan. No, any unused funds will remain in your HSA account. Are employee contributions taxed? Not Applicable No, the money you put into your HSA is not taxed if contributions are made via payroll deductions; your contributions also earn taxfree interest. How do I access funds? When I m Medicare eligible, how is my eligibility impacted? Your eligible medical care expenses are automatically paid from the fund as long as there is money available. There may be a balance owed to the doctor after the fund and your medical plan have paid for services. If so, you will receive a bill from the provider. You may remain enrolled in the Cigna HRA plan. You can choose from 3 options: 1. Debit card - You can use a debit card linked directly to your HSA. 2. Online bill payment - Pay directly from your HSA from the convenience of your computer. 3. Online withdrawal - It s easy to transfer funds from your HSA into your personal bank account. IRS rules restrict those who are enrolled in Medicare from contributing to an HSA or receiving HSA employer contributions. *Visit myalex.com/stantec/2017 for personalized help in picking the best plan for your family