WILLMAR ISD #347 2019-2020 HEALTH INSURANCE OPEN ENROLLMENT
Health Insurance Renewal OPE Changes for ENROLLMEN N 2019-20: Four-tier pricing & Fitness PRESENTATION T discount HSA and VEBA Information Enrollment and Implementation
2019-20 HEALTH PLAN CARRIER: SERVICE COOPERATIVE (BCBS) • Insurance Committee’s represented groups voted unanimously to stay • 3% premium cost increase • All plans are remaining unchanged • Open access pharmacy and provider network continuing
HEALTH PLAN CHANGES JULY 1, 2019 Fitness Wellness 4-Tier Rates Discount Dollars
2019-20 HEALTH INSURANCE FITNESS CHANGES DISCOUNT • Effective 7/1/19 : No $20 Gym Membership Reimbursement • Effective 7/1/19 : Replacing Fitness Discount with “ShareCare”
New Fitness Discount Program: • Tracks all activities in steps • Syncs to a Fitbit device or allows manual entry • Converts almost any activity to steps • 210,000 steps in a month meets the minimum step goal • $20 Target gift card for meeting monthly step goal • Up to TWO individual adults per family (if on the health plan)
2019-20 HEALTH INSURANCE WELLNESS INCENTIVE CHANGES • Effective 7/1/18 : Up to $500 in VEBA contributions available for completing two activities + partaking in the screening • Effective 7/1/19 : $500 in VEBA contributions continued for next year
Plan Choice Considerations HSA or VEBA Electing Health Savings Account • Can only be paired with Plan #3 and Plan #4 • Employee can contribute their own funds into an HSA - $3500(s)/$7000(f) - 2019 • HSA funds can be used for a spouse or child REGARDLESS of Single or Family group coverage • Any VEBA or Flexible Spending Account (FSA) must be “limited use” only for non-health insurance items (Dental, Vision, Daycare, etc.) • Conflict with “other coverage” (Spouse’s plan, Tricare, Medicare) • Upon retirement, funds cannot be used to pay individual market premiums (Medicare premiums okay).
Plan Choice Considerations HSA or VEBA Electing VEBA • Available with all four plans. • No employee contribution allowed • VEBA funds can only be used for a spouse or dependent if you carry family coverage OR if your spouse/dependents have other group coverage • Can have a full Flexible Spending Account • Can have “other coverage” (Medicare, Tri-Care, or spouse’s plan) • Can only be used for non-health insurance expenses like dental and vision if also contributing to an HSA • Funds can be used for individual or group insurance AND Medicare upon retirement
HEALTH INSURANCE OPEN 2 3 1 ENROLLMENT 4 Complete Plan changes Deductibles Login to online benefit will begin July and Wellness selection and EaseCentral 1st E-sign o Willmar.easecentral.com o Everyone must o New ID card will o Deductibles do not o Link also on WPS website complete arrive if making plan reset until January 1 o Enter Email address and o Determine HSA or VEBA changes. o Fitness discount o Due by May 22nd o Payroll deductions password terminates o Click “Login” begin in June o Sign up for ShareCare
BCBS VALUE ADDS LEARN TO SHARE LIVE CARE $20 Target gift card for Free online counseling hitting 210K step goal sessions, and behavioral therapy OMADA VITALS Help staying SMARTSHOPPER Free access to a weight healthy Get financial loss and diabetes reimbursements for prevention program making smart healthcare decisions
Justin Kroeger: Benefit Consultant Justin@FlexBenMN.com OPE Phone: 320-864-3525 ENROLLMEN N PRESENTATION T Connie Jensen: Benefit Specialist jensenc@willmar.k12.mn.us Phone: 320-231-8518
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