Plan Year 2019 Updates Train-the-Trainer
Agenda • Administrative Updates & Reminder s o 2019 Guide – NEW LOOK o NCFlex.org – HBR page o How to Order Guides o Common mistakes during Open Enrollment o Exception Process • 2019 Plan Updates • Benefitfocus Updates • New Hire Tools • Communications • Questions 2
New Enrollment Guide Features of New Guide • Highlights the benefits of each product • Shorter (24 pages vs. 44 pages) • Full color • Uses language that is easier for all employees to understand • The online version is interactive – videos, tabs & links o Videos only work in Internet Explorer or if guide is downloaded 3
New Enrollment Guide (cont.) 4
NCFlex Website • Open Enrollment (OE) Page o Contains information for 2019 OE o Changes & Highlights for 2019 (CI rates, Cancer EOI, Re-enroll in FSA) o EE Sessions o Guide o Email alerts sent out during OE for EEs that missed them o Dedicated Page for HBR o HBR Admin Manual o Exceptions o Newsletters • How to Order guides o 2019 Enrollment Guide – new link – password is “flex” o 2018 Enrollment Guide – old link – last day to order guides is Sep. 28, 2018 5
Common OE mistakes & Exceptions • Common mistakes o Employee forgets to save in eBenefits o Employee forgets to re-enroll in FSA or enters wrong amount o Employee drops family members or forgets to include them o Employee accidently enrolls in a plan or skips a plan • How to prevent mistakes o Print confirmation form at the end of enrolling and carefully review o Check paystub in January • NCFlex Exceptions o Exception form is on the HBR page of www.ncflex.org o Be specific on issue with all the facts, why issue happened (admin error or EE error), and what resolution is expected o OE errors, employees need to notify HBR by February paychecks 6
2019 Plan Updates • NO NEW VENDORS! • HCFSA – 2019 Annual Max Contribution o $2,650 • Critical Illness o Lower rates (approximately 10%) • Cancer o No EOI for 2019 • AD&D o Adjusted rates to make all rates even (bi-monthly payroll) 7
2019 Plan Updates FSA Health Care FSA o Yearly amount - $2,650 o First year of $500 roll over Remind employees to spend amounts over $500 by Dec. 31, 2018 $25 minimum to roll over Have until April 30,2019 to file claims for 2018 o Promotion of FSAStore.com o Assists employees to utilize their FSA funds o Will be communicating with employees with balances over $500 and sending lists of impacted employees to HBRs 8
2019 Plan Updates Critical Illness & Cancer • Allstate has new HBR contact (replaced Kesha Barnes) Brenda Ramsey National Account Client Service Consultant I Phone: 904-992-5588 Brenda.Ramsey@allstate.com • Critical Illness rates are lower and new rates are in 2019 guide • Cancer Plan has No EOI again for 2019 o Unless a break in coverage 9
2019 Plan Updates Group Term Life and AD&D • Group Term Life o No rate increases o Same Guaranteed Issue amounts as last year o Outlined in Enrollment Guide o Guaranteed Issue amounts available when an employee experiences a QLE 10
2019 Plan Updates TRICARE Supplement Plan • No rate changes • 1/1/2018 TRICARE Standard and TRICARE Extra is now TRICARE Select o Employees must re-enroll in their main TRICARE insurance to continue coverage in 2019 o Employee do NOT need to re-enroll in the TRICARE Supplement each year • Contact for Selman & Company has changed o New contact is Laine Hoytt, backup is Jessica Zeisar o Old contact was Stephanie Hrouda o HBR Admin Manual has been updated 11
Benefitfocus Updates • Single Sign On from eBenefits Platform – starting with OE o MetLife (dental) o EyeMed (vision) o P&A (FSA’s) • Updated Enrollment Flow on eBenefits Platform – starting with OE o FSA’s o Accident o Critical Illness o Cancer o Dental o Vision o AD&D o GTL o Tricare 12
Benefitfocus Updates (cont.) • Short decision support videos next to each NCFlex benefit offer o Dental Video example o This icon will appear next to the benefit offer • New hires after OE starts (10/1/2018) must enroll for both the current period (first) and for 2019 (second) 13
eBenefits Screen Shots • Newly hired employee during open enrollment 14
eBenefits Screen Shots • Add dependents before enrolling 15
eBenefits Screen Shots • Employees must do “something” with medical before allowed to enroll in NCFlex Benefits 16
eBenefits Screen Shots • 1st screen when enrolling – Elect or Decline Coverage 17
eBenefits Screen Shots • 2nd screen - Once you’ve elected…who do you want to cover? o If dependents were not added at the start, they can be added here 18
eBenefits Screen Shots • 3rd - Once you’ve elected, chosen dependents…review and select • Price is correct for the coverage I selected • Dependents are all there, if selected any…etc. 19
eBenefits Screen Shots • Review Cost Summary • Save! 20
eBenefits Screen Shots • A successful save 21
eBenefits Screen Shots • eBenefits walks you through each benefit offer 22
eBenefits Screen Shots 23
eBenefits Screen Shots 24
eBenefits Screen Shots • GTL – It will ask you to add beneficiary(ies) 25
eBenefits Screen Shots • TRICARE Supplement – Pre-Qualification Survey must be completed before employees can enroll 26
eBenefits Screen Shots • An employee knows their benefits have been successfully saved when the green Congratulations appears! 27
eBenefits Screen Shots • Once a new hire has completed the current year enrollment they are taken to open enrollment elections…where all current year elections except FSA’s are mapped to the new plan year 28
New Hire Tools • Pre-tax Video o Explains what pre-tax means o How pre-tax premiums and FSA contributions save money • NCFlex Overview Video o Brief overview of all of the NCFlex offerings o Great for new hire orientation o Consistent message for all new hires o Will be housed on NCFlex website 29
Communications • OE Communications o 2019 Guide – available now for order o Mailer – to home addresses in September o Website – available 24 / 7 / 365 o Communication emails to HBRs and employees – Ongoing o Employee Sessions – During October o Available via computer, mobile phone, or tablet 30
Open Enrollment • September 29 through October 31 • January 1 st effective date o If EOI is not required • Remind employees to check January paystubs! 31
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