2019-20 Open Enrollment June 1-21, 2019 Benefits Odyssey - PowerPoint PPT Presentation

Human Resources Employee Benefits and Services 2019-20 Open Enrollment June 1-21, 2019 Benefits Odyssey www.SBCounty.gov

Benefit Topics Page 2  Benefit Enhancements/Changes – What’s New  2019-20 Medical and Dental Bi-weekly Premium Rates  2019-20 Benefits Calculator  Supplemental Life Insurance for Dependents (changes)  FSA Rollover (up to $500 may roll to next year)  Commuter Services Program Update  My Health Matters!  EMACS Self-Service

What’s New for Benefit Plan Year 2019-20 Page 3 New Lower Premium Cost Medical Plan Options Available The County is excited to introduce two new lower premium cost medical plan options being offered alongside our existing plans. Employees now have the option of selecting:  Blue Shield Access+ HMO  Kaiser Choice HMO Additional Providers Available on New Plans Feature: the Blue Shield Network:  Lower bi-weekly premiums  Free preventative screenings (i.e. annual physical) Pending secured contracts , the following  Free Well Woman and Well Baby exams providers will be available under Blue Shield  Free telemedicine effective July 1st:  $0 Calendar Year Deductible  Loma Linda University Medical Center -  Most routine copays are $40-$50 available on all Blue Shield plans  Most prescriptions range from $5 to $35  Arrowhead Regional Medical Center Specialty prescriptions are 20-30% up to a maximum of $200 each  (ARMC) - available on the Blue Shield PPO  Higher out-of-pocket annual maximums: and Signature HMO Tier II service $3,500 each member / $7,000 family maximum

What’s New for Benefit Plan Year 2019-20 Page 4  Supplemental Life Insurance for Dependents  Modified Benefit Option (MBO)  For this Open Enrollment only, eligible employees may  New Classifications have been enroll their spouse/domestic partner in supplemental life added. For more information visit with a $50,000 guaranteed issue amount without being the MBO web page at subject to Evidence of Insurability (EOI) requirements. http://cms.sbcounty.gov/hr/Benefits/ BenefitCampaigns/OpenEnrollment/  If existing enrollees increase spouse/domestic partner ModifiedBenefitOption.aspx coverage over $10,000 EOI is required.  New Employee Rideshare Website:  Flexible Spending Account (FSA) SBtrip (www.sbcounty.gov/sbtrip)  The Flexible Spending Account (FSA) annual maximum  The County’s Employee Rideshare has increased to $2,700. Program has launched a new ride-  You must re-enroll each plan year to participate and this matching and rewards website, includes when you have a balance to rollover. The SBtrip. SBtrip stands for San maximum amount to rollover is $500. Bernardino Traffic Reduction  FSA is a great way to save money by paying for certain Incentive Program. medical care expenses with pre-tax dollars. The FSA plan is convenient and easy to use.

Things to Do Page 5  Review your benefit options  Employee Benefits Guide  Open enrollment website – www.sbcounty.gov/benefits  Summary of Benefits and Coverage (SBC)  Select the plans that best suit your needs  Including medical, dental, and life insurance  Enroll in the Flexible Spending Account (FSA)  Enrollment is optional and not required  Review and update beneficiaries/emergency contacts as needed

What Can Be Changed During Open Enrollment (OE)? Page 6  Medical / Dental plans  Flexible Spending Account (FSA)  Add / remove dependents  Enrollment or disenrollment in the Modified Benefit Option (MBO)  Before-tax or after-tax premium deductions  Supplemental Life / Accidental Death & Dismemberment (AD&D) Insurance Coverage  Beneficiary Updates Life Insurance, Retirement and Salary Savings Accounts  Last Warrant – submit completed paper form to your department payroll specialist 

2019-20 Bi-Weekly Medical Premium Rates Page 7  Premium rates will be effective July 6, 2019 and will appear on the July 31, 2019 pay warrant.  Coverage is effective July 20, 2019. Kaiser Kaiser Blue Shield Blue Shield Blue Blue Shield Plan Traditional Choice Signature Access + Shield PPO HMO HMO HMO HMO PPO Needles Employee $298.85 $259.54 $259.42 $225.40 $481.68 $543.61 Only Employee $595.69 $517.07 $516.84 $448.81 $979.58 $1,105.20 + 1 Employee $842.05 $730.82 $760.51 $634.24 $1,519.33 $1,711.42 + 2

How do the New Plans Compare? Page 8 HMO Plan General Service Fees Blue Shield Blue Shield Kaiser Traditional Kaiser Choice Service Signature HMO Access + HMO HMO HMO (Tier 1) Office Visits $10 $40 $10 $40 Specialist Visits $10 $40 - $50 $10 $50 Outpatient Mental Health Services $10 $40 $10 $40 Annual Physical No charge No charge No charge No Charge (Inc. Well Woman, Baby, Child exams) Maternity Care No charge No Charge No charge No Charge Urgent Care $10 $40 $10 $40 Emergency Room $50 $50 $50 $150 $100 per admission Hospital Care No charge No charge $500 per day +20% $1,500 per member $3,500 per member $1,500 per member $3,500 per member Annual Out of Pocket Maximum $3,000 family $7,000 family $3,000 family $7,000 family

Bi-Weekly Premium Rate Example Page 9 Example: Jane is an Office Assistant III electing Employee only coverage and wants to select one of the Blue Shield HMO plans. Aside from the occasional cold, she is fairly healthy and typically goes to the doctor for her annual physical and well woman exam. Blue Shield Access + HMO Blue Shield Access + HMO Signature HMO $ 225.40 Bi-weekly premium Physical Exam $0 $0 - 198.82 Medical Premium Subsidy Doctors Office Visit $40 $10 $ 26.58 Bi-weekly out-of-pocket cost Prescription $25 $10 Well Woman Exam $0 $0 Blue Shield Signature HMO $ 259.42 Bi-weekly premium Total Copays $65 $20 - 198.82 Medical Premium Subsidy Annual Premiums $691.08 $1,575.60 $ 60.60 Bi-weekly out-of-pocket cost Annual Cost $756.08 $1,595.60 Jane will save $839.52 annually by selecting the Access + HMO! Important Note: Plans are subject to an out of pocket maximum. Employees should refer to the Plan Summaries section of the benefits guide for more details to consider when making a decision based on their specific situation.

Bi-Weekly Premium Rate Example Page 10 Example: Chris is a District Attorney IV electing family coverage (Employee + 2 or more) and wants to select one of the Kaiser HMO plans. Aside from his children getting occasional ear infections or fevers, they are a fairly healthy family and typically go to the doctor just for their preventative screenings including annual physicals, well child, and well woman exams. Kaiser Choice HMO Traditional HMO Kaiser Choice HMO Physical Exams $0 $0 $ 730.82 Bi-weekly premium - 503.41 Medical Premium Subsidy Office/Urgent Care Visits $200 (5 @ $40 each) $50 (5 @ $10 each) $ 227.41 Bi-weekly out-of-pocket cost Prescriptions $185 (3 @ $15 + 4 @ $35) $90 (3 @ $10 + 4 @ $15) Well Child/Woman Exams $0 $0 Kaiser Traditional HMO $385 $140 Total Copays $ 842.05 Bi-weekly premium Annual Premiums $5,912.66 $8,804.64 - 503.41 Medical Premium Subsidy $ 338.64 Bi-weekly out-of-pocket cost Annual Cost $6,297.66 $8,944.64 Chris will save $2,646.98 annually by selecting the Kaiser Choice HMO! Important Note: Plans are subject to an out of pocket maximum. Employees should refer to the Plan Summaries section of the benefits guide for more details to consider when making a decision based on their specific situation.

2019-20 Bi-Weekly Dental Premium Rates Page 11  Premium rates will be effective July 6, 2019 and will appear on the July 31, 2019 pay warrant.  Coverage is effective July 20, 2019.

Benefits Calculator Page 12 Provides an estimate of per pay period out of pocket benefit cost  Currently available with 2019-20 premiums   http://cms.sbcounty.gov/hr/calculator Updated with Modified Benefit Option (MBO)  Allows for comparison of benefit options to see  what best fits employees’ financial situation

Supplemental Life Insurance for Dependents Page 13  Changes to Spouse/domestic partner coverage:  New enrollees: $50,000 guaranteed issue on– this OE only  Existing enrollees can increase coverage by $10,000 without Evidence of Insurability (EOI)  Reminders:  Premium of spouse/domestic partner coverage depends on employee’s age and amount of coverage selected  Single, fixed rate covers all children in $5,000 increments, up to $20,000. All amounts are guaranteed/no EOI required.  No dual coverage: Dependent(s) not eligible if covered by another County employee  Spouse/domestic partner: $10,000 increment, capped at employee’s total combined basic and supplemental life and not to exceed $250,000, subject to EOI.

Flexible Spending Account (FSA) Page 14  New limits announced!! Maximum annual contribution is increasing from $2,650 to $2,700  Equates to $103.84 contribution per pay period  Roll-over up to $500  Must enroll in the following plan year to qualify for rollover benefit  Enrollment is required each year; elections made in the previous year do not continue into the new plan year  Election is irrevocable, unless you experience a qualifying life event