OPEN ENROLLMENT WORKSHOP Kelsey Leckinger - Benefits Coordinator - PowerPoint PPT Presentation

2018 CALENDAR YEAR OPEN ENROLLMENT WORKSHOP Kelsey Leckinger - Benefits Coordinator (State Attorney) Amy Maros - Benefits Coordinator (Public Defender, Criminal Conflict and Civil Regional Counsel, Guardian ad Litem, Capital Collateral Regional Counsel and Justice Administrative Commission)

Open Enrollment  Open Enrollment - 10/16/2017 - 11/03/2017  Correction period - 11/06/2017 - 11/17/2017  OE summary inserts in Benefits Packages • Mailing Starts 10/02/17  Benefits Guide - available on the myBenefits website in October  myBenefits Website - Open Enrollment Page • Open Enrollment page will change week of October 2 to 2018 Plan Year page to capture all changes for the upcoming plan year  QSC Matrix Rev. 10/2017 2

Important Notices Notices will be in the Open Enrollment Insert sent to employees Women’s Health and Cancer Rights Act (WHCRA) • State Employees’ PPO and HMO Plan booklets and Benefits Documents provide benefits for mastectomy-related services Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIPRA) • Employees eligible for Medicaid or CHIP and who are eligible for health coverage from your employer may be eligible for a premium assistance program • Contact your State Medicaid or CHIP office for information about premium assistance Medicare D Notice • Medicare D Notice is also available on myBenefits site Rev. 10/2017 3

Stay Informed My Benefits Website  Benefits Guide  Learn about changes  Read about plans  Use Cost Estimators  Insurance Company Contact Info  http://mybenefits.myflorida.com/ Rev. 10/2017 4

Address Verification Process Address Verification • Ensure employees log into the People First system and update address information. Address Information in People First is used for numerous purposes, including: • Open Enrollment Benefits Statements • Insurance Cards • Important Notices • Division of State Group Insurance notices regarding changes in insurance plans • Information regarding FSA and HSA • 1095-C Rev. 10/2017 5

Additional Notification Options Phone Number  Employees have the opportunity to provide both a primary and secondary phone number within the address verification process  Provides the employer, insurance provider, People First, and Division of State Group Insurance an additional method of contact during an emergency or inquiry Personal Email Address  The notification email address provided is used to send important information throughout the year, such as notice regarding benefits and retirement  If the employee uses a work email address instead of a personal email address, they risk not receiving these important notices if they change jobs Rev. 10/2017 6

Returned Mail • Any undeliverable Open Enrollment Packets will be sent to JAC’s Human Resources Office • If returned mail is received, please be sure Open Enrollment Packet is forwarded to the employee as soon as possible • Please ensure employees update their address in People First Rev. 10/2017 7

What’s New for 2018?  HMO changes  Dental plan changes  New Dental Plans  Vision premium increase  FSA changes  HSA contribution increase  Dependent Eligibility Verification, ongoing Rev. 10/2017 8

Health & Prescription Plan Changes

HMO Contracted Service Areas  HMO Coverage Area by County: • Four HMO’s available for 2018 Plan Year - Capital Health Plan, Aetna, United Healthcare, and AvMed • Each county now has only one HMO available • Home or work county for HMO election • Participants enrolled in an HMO that is no longer available in their county will default to the one HMO available in their home county of record according to the employee’s address in People First • Participants with 2 available HMOs — meaning their work and home county have different HMO options — will default into the HMO available in home county • Participants must specifically elect the HMO in their work county; otherwise they will be defaulted to the HMO in their home county • 2018 Plan Year- HMO enrollment will show on Annual Benefit Statement included in the Open Enrollment packet Rev. 10/2017 10

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Covered Services Change Occupational Therapy: Services are a covered benefit beginning January 1, 2018. Services must be for conditions resulting from a physical or mental illness, injury, or impairment. PPO: • Limited to 21 treatment days during any six-month period HMO : • Limited to 60 visits per injury Maximum applies to all out-patient Occupational Therapy treatments, regardless of location of services Rev. 10/2017 13

Medication Synchronization(Med Sync)  Allows all prescriptions to be synchronized so they can be refilled on the same day  Optional and only allowed once per calendar year  Ineligible Medications: • All controlled substances • Any drugs dispensed in unbreakable packaging from the manufacturer • Multi-dose unit of medication  Co-payment prorated for shorter-day supply  Any short-supply or sync prescriptions of maintenance drugs will count as one of three refills of maintenance medications allowed at a retail pharmacy Rev. 10/2017 14

Dental Plan Changes

Dental Changes Dental Plans No Longer offered starting 2018 Plan Year: • Humana • Humana Network Plus — Prepaid dental plan (4004) • Humana Preferred Plus — PPO dental plan (4054) • United Solstice • UnitedHealthcare Solstice S700 — Prepaid dental plan (4014) • Ameritas • Preventive Plus (4064) Rev. 10/2017 16

Dental Changes New procured Dental Plans Available 2018 Plan Year: • Ameritas • Indemnity w/PPO (4021) • Standard PPO (4022) • Preventative PPO (4023) • MetLife • Indemnity w/PPO (4031) • Standard PPO (4032) • Preventative PPO (4033) Rev. 10/2017 17

Dental Changes Employees enrolled in a plan that will no longer be available for the 2018 plan year must actively elect a new plan. They will NOT be moved into a comparable plan.  Employees who are currently enrolled in a plan that will not be offered in 2018 will show no coverage on their Annual Benefits Statement Rev. 10/2017 18

All Dental Options for 2018 Plan Year Ameritas: • Indemnity w/PPO (4021) • Standard PPO (4022) • Preventative PPO (4023) MetLife: • Indemnity w/PPO (4031) • Standard PPO (4022) • Preventative PPO (4033) Cigna: • Cigna Dental (4034) – Prepaid Dental plan Sun Life (formerly Assurant): • Sun Life Freedom Advance (4074) - Indemnity PPO • Sun Life Prepaid (225) - Prepaid Dental Plan Humana: • Humana schedule B (4084) - Indemnity Dental Plan • Humana Select 15 (4044) - Prepaid Dental Plan Rev. 10/2017 19

Questions

Supplemental Plan Changes

Vision Premium Increase Humana Vision Exam plus Materials Monthly Premium New premium amounts 2018 plan year Employee Only $6.96 (Increase of $.64) Employee + Spouse $13.74 (Increase of $1.26) Employee + Child(ren) $13.60 (Increase of $1.26) Family (Spouse + Children) $21.36 (Increase of $1.98) Rev. 10/2017 22

Healthcare FSA and Limited Purpose FSA $500 Carryover Healthcare FSA and Limited Purpose FSA:  Carryover up to $500 into the next plan year  Funds over $500 will be forfeited the next plan year  Annual maximum can still be elected when rolling over prior year funds  $500 carryover added to annual election  90-day grace period for the following year is eliminated  Plan year contributions must be used by Dec. 31  Claims can be submitted through April 15 of next plan year  Grace period will continue for the 2017 plan year  Total amount of plan year election with carryover amount will be shown on Chard Snyder Portal -- not in People First  If an employee has up to $500 of carryover funds and does not elect a healthcare FSA the following plan year, their funds will continue to carry over year to year until the funds are depleted. The Benny Card will continue to be active and the balance of funds will be available on the Chard Snyder Portal Rev. 10/2017 23

Healthcare FSA and Limited Purpose FSA $500 Carryover Example: On Jan. 1, 2019, Mary has $475 remaining in her 2018 healthcare FSA. The $475 will carry over to the 2019 plan year. Mary can file claims for services received in 2018 through April 15, 2019. Any services received in 2018 will be deducted from the $475. If the services rendered in 2018 are more than the $475, she will not be able to dip into 2019 money. Example: On Jan. 1, 2019, John has $600 remaining in his 2018 healthcare FSA. John has one service for $50 that he filed a claim for prior to the April 15, 2019 deadline. The $50 will be deducted from the $600 remaining balance. However, only $500 will be carried over for services rendered in 2019. In this instance, John would lose $50. Example: During open enrollment, for the 2019 plan year, Fred decides that he no longer wishes to have an healthcare FSA. On Jan. 1, 2019, Fred has $500 remaining in his 2018 healthcare FSA. Fred can continue to use this money for qualifying expenses until the funds are exhausted, even though he does not have an FSA plan for the 2019 plan year. Rev. 10/2017 24