Livingston County 2020 Enrollment 2020 Annual Enrollment begins - PowerPoint PPT Presentation

Livingston County 2020 Enrollment 2020 Annual Enrollment begins Thursday, October 17 th and continues through Friday, November 1 st Livingston County | 2020 Open Enrollment

Agenda 1. Annual Enrollment 2. 2020 Updates 3. Medical Plans a. Health Savings Accounts b. Blue Cross Online Visits (telehealth) 4. Dental Plans 5. Vision Plans 6. Health Care Blue Book 7. Flexible Spending Accounts 8. CIGNA Life, Disability, and Voluntary Benefits 9. Health Advocate 10. Pet Insurance 11. Ulliance Employee Assistance Program 12. What You Need To Do! 13. Wrap Up 2 Livingston County | 2020 Open Enrollment

Annual Open Enrollment This year we will be having a Passive enrollment . This means you do not need to re-enroll and your 2019 benefit elections will carry-over into 2020. You Must Enroll If…  …you wish to participate in the Healthcare or Dependent Care FSA (you must make a new election every year as these do not carry-over)  …add or delete dependent(s)  …elect a new plan or make changes to your benefits Changes are effective January 1, 2020 and remain in effect through December 31, 2020 unless you experience one of the following mid-year changes:  Birth or adoption of a child You must notify  Marriage or divorce Human  Resources within Dependent gains or loses eligibility 30 days of the  Change in spouse’s employment status event to make a change in your elections! 3 Livingston County | 2020 Open Enrollment

2020 Updates  Livingston County will continue to offer a full suite benefit package, including maintaining current coverage levels with Blue Cross Blue Shield of Michigan for medical and prescription drug coverage – CIGNA claims advocacy services are provided via CIGNA Health Advocate – Employee Assistance Program (EAP) services will continue being provided via Ulliance – Life and Disability coverage remains with CIGNA  Per a Livingston County Board vote, elective abortions are no longer covered for non-union employees under The County’s Blue Cross Blue Shield of Michigan health insurance 4 Livingston County | 2020 Open Enrollment

Medical Insurance  All Medical Plans are administered by Blue Cross Blue Shield of Michigan (BCBSM)  Livingston County offers various medical plan options (varies based on bargaining units)  We will be offering the same coverage as we did in 2019: – PPO 4 – PPO 6 – PPO 1 (only available to some union groups) – High Deductible Health Plan (only available to non-union employees) 5 Livingston County | 2020 Open Enrollment

When Choosing A Plan…Consider the ABC’s A. Ask yourself: would you rather pay for coverage up front (via premiums paid through payroll deduction) or at the point of service when seeing a physician or paying for a medical service B. Budget accordingly. Can you afford to pay your deductible if you incur a large expense early in the year? C. Consider your previous years’ medical expenses and your known 2020 medical events (planned surgeries, pregnancies, etc.) when choosing a plan 6 Livingston County | 2020 Open Enrollment

Medical Plans High Deductible* Union Only: PPO4 PPO6 Health Plan – HDHP PPO1 (Non-Union) $2,000 Single $500 Single $250 Single Deductible N/A $4,000 Family $1000 Family $500 Family (**Aggregate deductible) You Pay 20% after You Pay 10% after You Pay 20% after Coinsurance N/A deductible is met deductible is met deductible Coinsurance Max – $2,000 single $1,250 single N/A N/A Includes deductible and $4,000 family $2,500 family coinsurance Total Out-of-Pocket Max – $6,350 Single $6,350 Single $6,350 Single $3,000 Single Includes, deductibles, coinsurance, fixed dollar $12,700 Family $12,700 Family $12,700 Family $6,000 Family copays and RX Copays Office Visits $10 copay $10 copay Varies by B/U 20% after deductible $49 copay/visit until deductible is met; $0 copay Online Visits No copay No copay No copay after deductible plus 20% coinsurance/visit ***$500 Rx preventive Prescription Drugs Varies by B/U Varies by B/U Varies by B/U $10/$40/$80 (after deductible is met) 7 Livingston County | 2020 Open Enrollment

Health Savings Account (HSA) – Non-Union Only  Administered by HealthEquity in partnership with BCBSM  What is an HSA? – A tax-advantaged medical savings account; contributions are made pre-tax and funds can be used to pay for qualified medical expenses – Must be in a qualified high-deductible health plan (HDHP) in order to contribute to an HSA  Questions About Your HSA? – Call HealthEquity member services (877-284-9840) – If you have questions about your medical coverage, call the Customer Service number on the back of your Blue Cross ID card 8 Livingston County | 2020 Open Enrollment

Health Savings Accounts – Key Rules Rules of Participating in an HSA:  Must be enrolled in Livingston County’s HDHP (a qualified HDHP/HSA plan)  Cannot be enrolled in another health plan that is not qualified (i.e. Medicare, secondary on spouse’s plan, etc.) and cannot be claimed as a dependent on someone else’s tax return (dependent children can draw from your account, but cannot open their own accounts)  Money in your account must only be used for “qualified medical expenses”  Cannot have a Flexible Spending Account (FSA) – any FSA balances must be liquidated/spent.  You have the option of enrolling in a Limited-Purpose FSA (for qualified dental and vision expenses ONLY) Advantages of an HSA:  Portability and flexibility – You own the account – Funds rollover – NOT a “use it or lose it” account – Both annual employer contributions and employee contributions (up to IRS limit)  Tax savings and growth – Lowers your taxable income; Tax free interest growth; Tax free investment growth; Tax free withdrawals for Qualified Medical Expenses 9 Livingston County | 2020 Open Enrollment

Health Savings Account 2020 Contribution Limits Maximum Funding Individual IRS Maximum Match Provided Provided By Contribution Total Contribution By Employer Employer Allowed After Amount Allowed (Livingston (Livingston Livingston County) County) County Tier Contribution Single $3,550 $500 $500 $2,550* 2 Person $7,100 $1,000 $1,000 $5,100* Family $7,100 $1,000 $1,000 $5,100* *Please note an additional $1,000 in catch-up contributions can be made if you are age 55 or older 10 Livingston County | 2020 Open Enrollment

Health Savings Accounts – Using Your Funds How to Access HSA Funds:  Online – Use your member portal to pay providers electronically – Mobile App – Use a linked personal bank account to pay, then reimburse online from your HSA  HSA Debit Card – Swipe HSA debit card at time of service – When you receive your bill from your provider you may write in your card number Unused Funds: Remember to  Unused funds stay with you; save for retirement keep your receipts!  Interest accrues tax free  Invest any balance in excess of $2,000 – HealthEquity offers a selection of mutual funds and bonds; Investments are tax free 11 Livingston County | 2020 Open Enrollment

Blue Cross ONLINE VISITS Livingston County’s Telehealth Solution:  No fees or copays when seeing a doctor (except those in the HDHP plan - $49 copay until you’ve hit your deductible)  Utilize for you or your covered dependents Online care is useful for nonemergency illnesses, such as:  Sinus and respiratory 1. Take out your infections smart phone  Colds, flu and seasonal allergies  Urinary tract infections 4. Use BCBS  Vomiting 2. Go to the App 3. Download the ONLINE VISITS  Headache Store or Google BCBSM Online next time you Play store Visits app need to see a  Strains and sprains doctor  Pinkeye  Rashes 12 Livingston County | 2020 Open Enrollment

Dental Plans – Blue Cross Blue Shield of Michigan Service Union Benefit Non-Union Benefit Preventive 100% 100% Basic 50% 80% Major 50% 50% Orthodontia (to age 19) Not covered Not covered Maximum $800 Annually $1,200 Annually for $1,200 Annually DEPS, 911, SGTS, LTS and EMS 13 Livingston County | 2020 Open Enrollment

Vision Plan – EyeMed Service EyeMed Provider Benefits via the Access Network Eye Exams No copay Once every 12 Months Lenses $10 copay Once every 12 Months $130 allowance is applied towards contact lens Elective Contacts exam and contact lenses (member is responsible for cost exceeding the allowance) Frames $130 allowance, 20% off balance One pair every 12 Months over $130 Lasik or PRK 15% off retail price or 5% off promotional price 40% off hearing exams and a low price guarantee Hearing Care on discounted hearing aids 14 Livingston County | 2020 Open Enrollment

Healthcare Bluebook Shop For Your Healthcare Healthcare Bluebook is your healthcare transparency solution to…  …help you shop for care, compare facilities, save money on healthcare services, and earn rewards.  …save money on your large out-of-pocket healthcare expenses The HCBB web and mobile applications make it EASY TO SAVE MONEY ON HUNDREDS OF THE MOST COMMON MEDICAL SERVICES AND PROCEDURES by showing you the cost ranges in your area, and providing you with a selection of fair price facilities. Healthcare Bluebook is a FREE service for members and their covered dependents. 15 Livingston County | 2020 Open Enrollment