9/25/2018 2019 ENROLLMENT & CHANGE HRA KICK ‐ OFF MEETING SEPTEMBER 27, 2018 STATE OF IOWA EMPLOYEE BENEFITS HIGHLIGHT SERIES ENROLLMENT AND CHANGE TEAM • Amy Liechti – Team Lead Group Insurance • Jim Pierson – Employee & Retiree Benefits Specialist • Mary DeVries – HR Benefit Tech • Rachel Wilson – HR Benefit Tech • Kelley Hall – IowaBenefits • Susan Piel – Retiree Specialist • Krissy Estabrooks – Leaves/Life/LTD Program Coordinator • Jennifer Sandusky – Flex Spending Administration & Plan Administrator for RIC • Jessica Lingo – Bureau Chief, Risk & Benefits 2019 Enrollment and Change 2 10.2018 AGENDA Highlights of Enrollment & Change 2019 IowaBenefits Life Insurance Flex Spending Retirees Focus will be Enrollment & Change 3 10.2018 2019 Enrollment and Change 1
9/25/2018 HOUSEKEEPING ITEMS • Cellphones • Restrooms • Parking Lot • Wifi Access 2019 Enrollment and Change 4 10.2018 HRA ROLE • You are the main contact for employees in your agency • HRA should contact HRE on behalf of the employee • If you don’t know the answer, see it as a learning opportunity instead of directing the employee straight to HRE • HRE role is to assist the HRA 2019 Enrollment and Change 5 10.2018 AGENDA Highlights of Enrollment & Change 2019 IowaBenefits Life Insurance Flex Spending Retirees Questions and Answers 6 10.2018 2019 Enrollment and Change 2
9/25/2018 2019 BENEFIT HIGHLIGHTS 2019 is NOT an active enrollment for health or dental • Employees do not have to re‐enroll in health or dental if they do not want to make any changes • Their health and dental will remain the same in 2019 Employees must enroll each year in IowaBenefits • Health Flexible Spending Account (FSA) • Dependent Care FSA 2019 Enrollment and Change 7 10.2018 2019 BENEFIT HIGHLIGHTS Health Insurance • NO benefit changes in the State’s health options • Iowa Choice or National Choice (all employees except SPOC‐ covered employees) • Alliance Select (SPOC‐covered employees) Health Insurance Opt Out • Employees electing the opt out in 2018 • The opt out will roll over in 2019 • Unless the employee elects health insurance during the Enrollment and Change period 2019 Enrollment and Change 8 10.2018 2019 BENEFIT HIGHLIGHTS New Health Insurance ID Cards • Wellmark will be issuing new ID cards • Employees will receive new ID cards even if you do not make a new health insurance election for 2019 • New ID cards mailed to employee’s home before January 1, 2019 9 10.2018 2019 Enrollment and Change 3
9/25/2018 2019 BENEFIT HIGHLIGHTS Dental Insurance Dental open enrollment will be offered annually (except for SPOC‐ covered employees) • Enroll in dental insurance • Change coverage level to single or family • Add or remove eligible family members from your coverage Health Flexible Spending Account The maximum Health FSA contribution increases to $2,650 in 2019 from $2,600 Wellness Program Reward (SPOC‐covered employees) Healthy opportunities wellness reward $75.00 per month in 2019 2019 Enrollment and Change 10 10.2018 HEALTH INSURANCE • All employees are offered the same health coverage • Except SPOC‐covered employees • One health plan with two options • Iowa Choice • National Choice • Plan design is identical • The only difference between the two option are the networks 2019 Enrollment and Change 11 10.2018 HEALTH INSURANCE Iowa Choice uses Wellmark’s Blue Access network • Covers care in Iowa and in counties sharing a border with Iowa • Out‐of‐network coverage is not available except in the cases of ‒ Emergencies ‒ Accidental injuries ‒ If services are not available in‐network and an out‐of‐ network referral has been submitted and approved by Wellmark in advance of the service 12 10.2018 2019 Enrollment and Change 4
9/25/2018 HEALTH INSURANCE National Choice uses Wellmark’s Alliance Select network • Gives you the freedom to get health care from any provider located in the United States • See any provider you choose 2019 Enrollment and Change 13 10.2018 HEALTH INSURANCE Guest Membership • If a dependent is going to be out of the service area for at least 90 days • Guest Membership allows the dependent to access covered services at Blue Cross and Blue Shield health care providers throughout the U.S. 2019 Enrollment and Change 14 10.2018 HEALTH INSURANCE Guest Membership • Only available in the U.S. • Benefits only for the state where the dependent resides • Premiums remain the same • Cost sharing remains the same 15 10.2018 2019 Enrollment and Change 5
9/25/2018 HEALTH INSURANCE Guest Membership • For a guest membership ‐ contact Wellmark customer service 800.622.0043 • Before the dependent leave • If the dependent has a change of address • When the dependent returns to Iowa 2019 Enrollment and Change 16 10.2018 HEALTH INSURANCE RESOURCES Call Wellmark Customer Service • 800.622.0043 • 888.781.4262 (TTY) 2019 Enrollment and Change web page https://das.iowa.gov/human‐resources/employee‐and‐retiree‐ benefits/2019‐enrollment‐and‐change‐period • Health Insurance Options Side‐by‐Side Comparison • Summary of Benefits and Coverage – Iowa Choice • Summary of Benefits and Coverage – National Choice 2019 Enrollment and Change 17 10.2018 2019 MONTHLY HEALTH PREMIUMS All Employees (except SPOC‐covered) Full‐time Total Employee State Share % % 30‐49 hours Premium Share Iowa Choice Single $699.00 $659.74 94% $39.26 6% Family $1,642.00 $1,494.34 91% $147.66 9% National Choice Single $769.00 $659.74 86% $109.26 14% Family $1,806.00 $1,494.34 83% $311.66 17% 2019 health insurance premiums will be reflected in the pay warrant dated December 21, 2018 18 10.2018 2019 Enrollment and Change 6
9/25/2018 2019 MONTHLY HEALTH PREMIUMS 2018 – 2019 Change Total Employee State Share Premium Share Iowa Choice Single ‐$13.00 (‐1.8%) ‐$12.26 (‐1.8%) ‐$0.74 (‐1.9%) Family ‐$26.00 (‐1.6%) ‐$23.66 (‐1.6%) ‐$2.34 (‐1.6%) National Choice Single $4.00 (0.5%) ‐$12.26 (‐1.8%) $16.26 (17.5%) Family $15.00 (0.8%) ‐$23.66 (‐1.6%) $38.66 (14.2%) 2019 Enrollment and Change 19 10.2018 2019 MONTHLY HEALTH PREMIUMS All Employees (except SPOC‐covered) Part‐time Total Employee State Share % % Premium Share 20‐29 hours Iowa Choice Single $699.00 $329.88 47% $369.12 53% Family $1,642.00 $747.18 46% $894.82 54% National Choice Single $769.00 $329.88 43% $439.12 57% Family $1,806.00 $747.18 41% $1,058.82 59% 2019 health insurance premiums will be reflected in the pay warrant dated December 21, 2018 2019 Enrollment and Change 20 10.2018 2019 MONTHLY HEALTH PREMIUMS SPOC‐covered employees with wellness reduction of $75.00/month Total State Employee % % Premium Share Share Alliance Select Single $489.74 $466.74 95% $23.00 5% Employee and Spouse $1,002.99 $876.99 87% $126.00 13% Employee and Child(ren) $927.08 $816.08 88% $111.00 12% Family $1,503.01 $1,277.01 85% $226.00 15% 2019 health insurance premiums will be reflected in the pay warrant dated December 21, 2018 21 10.2018 2019 Enrollment and Change 7
9/25/2018 2019 MONTHLY HEALTH PREMIUMS SPOC‐covered employees without wellness reduction of $75.00/month Total State Employee % % Premium Share Share Alliance Select Single $489.74 $391.74 80% $98.00 20% Employee and Spouse $1,002.99 $801.99 80% $201.00 20% Employee and Child(ren) $927.08 $741.08 80% $186.00 20% Family $1,503.01 $1,202.01 80% $301.00 20% 2019 health insurance premiums will be reflected in the pay warrant dated December 21, 2018 2019 Enrollment and Change 22 10.2018 HEALTH INSURANCE OPT OUT Elect to opt‐out of a state‐sponsored health insurance plan and receive $125 monthly Eligibility for the opt out • Full time (30+ hours per week) and benefit eligible • NOT covered by Iowa Choice or National Choice (active or retiree) through a family member, including a domestic partner Covered by a Board of Regents health plan – eligible for the opt out 2019 Enrollment and Change 23 10.2018 HEALTH INSURANCE OPT OUT • Must elect the opt out option in IowaBenefits • No default to the opt out option • Elected the opt out in 2018 Change • The opt out will roll over in 2019 • Unless you elect health insurance during this Enrollment and Change Period 24 10.2018 2019 Enrollment and Change 8
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