don’t forget to get your flu shot! 9 · 2020-07-09 · don’t forget to get your flu shot! this...
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In this issue
2 • OE2016Checklist• NewDentalprovider
3
The TorchispublishedmonthlybytheStatePersonnelDepartment
andisavailableonlineatwww.in.gov/spd
Submityourstoryideasto:[email protected]
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9 • Effectivedates• PeopleSoftelectionsteps
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November 2015
• StatecontinuestoofferHealthSavingAccounts
4• NochangestotheNon-TobaccoUseAgreement
• KnowyourHealthPlanoptions
Don’t forget to get your flu shot!
Thisspecial editionisdedicatedto2016OpenEnrollment.Pleasereviewalltheenclosedinformationconcerningyourhealthcarecoverage.Duringthisperiod,youcanchoosetomakeadditionsorchangestoyourbenefitselections.Allopenenrollmentcommunicationsincludingcarrierinformation,ratesandplansummaries,arepostedontheStatePersonnelDepartment’swebsite:www.in.gov/spd/openenrollment.AlsoSPDwillreleasetheOpenEnrollment2016bookletonOct.27viaemailandonthewebsite.This Open Enrollment information does not apply to conservation officers, excise officers, Indiana State Police plan participants, temporary employees or contractors.
2016 Open Enrollment
KrogerpharmacistsarehostingaflushotclinicsatmanystatefacilitiesacrossIndiana.Visitourwebsitetoseealistofupcomingclinics.IfyoudonotcarryStateinsurance,thecostis$20payablebycashorcheck. Please Note:ifyouplantobringachildundertheageof11,itisnecessarytohaveawrittenprescriptionfromthedoctororapharmacisttoadministerafluvaccine.Sincepreventivecareservicesarecoveredbythehealthplanat100percent,employeeswiththestate’shealthplanandtheireligibledependentsshouldgetvaccinated.
YoumustbringyourAnthemIDcardandacompletedwaiverpriortoreceivingthevaccination:
• Inactivatedshotconsentform-Learn more• Livenasalvaccineconsentform
KrogerPharmaciesarealsoadministeringvaccinesatparticipatingretaillocations.Vaccinationsmayalsobeadministeredatyourdoctor’soffice,retailpharmacyornearbywalk-inclinic.Evenatanyoftheselocations,thestate’shealthplancovers100percentofthecost,ifyoucarrystateinsurance.
The Torch2
Checklist
For2016,therearenewratesforthemedicalanddentalplans,aswellasanewdentalprovider.Anumberofresourcesareavailabletohelpyouestimateyour2016expenses,compareplansandbecomeamoreinformedconsumer.
UsethischecklisttohelpguideyouthroughthestepstoasuccessfulOpenEnrollment:
EducateyourselfaboutchangesoccurringJan.1,2016.AccessyourHRPeopleSoftaccount.Confirmorupdateyourpersonalinformationincludingyourhomeand/ormailingaddress,e-mailaddress,phonenumberandethnicgroup.Ifyouwishtodropyourinsurancecoverageyouwillneedtoselectwaive.Ifyouareeligibleforthe2016WellnessCDHPyouwillneedtoselectthisoptiontoenrollintheplanifyouwerenotcoveredunderthe2015WellnessCDHP.Ifyouwereenrolledinthe2015WellnessCDHP,butdonotqualifyforthe2016WellnessCDHPyourplanwilldefaulttoCDHP1unlessyoumakeanewselection.Reviewyoureligibledependentsandbeneficiaries.• Youneedtoenrollalleligibledependentsineachbenefitplanyou
choose.• Removeallineligibledependentsfromallofyourbenefitplans.• Updatepersonalinformationforeachdependentand/orbeneficiary• Addyourdependentsocialsecuritynumbers.• Fordependent/beneficiarynamechanges,pleasecontacttheBenefits
Hotlineat317-232-1167ortollfreeat877-248-0007(ifoutsideoftheIndianapolisarea).
Checkyourcurrentelectionsormakenewelections.Itisimportantthatyoureviewthedependentsenrolledoneachofyourplans.IfyouhaveaHealthSavingsAccount,youwillneedtoenteryourannualcontributionamount.IfyouhaveaFlexibleSpendingAccount,youwillneedtore-electorre-stateyourannualcontributionamount.AcceptordeclinetheNon-TobaccoUseAgreementfor2016.RemembertoprintanElection Summaryafteryouhavesubmittedyourelectionsforyourrecords.
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Check the list as you go through the process New dental provider for 2016
Dental coverage
StatePersonnelispleasedtoannouncethatasofJanuary1,AnthemwillbethenewDentalprovider.Ifyouarecurrentlyenrolledindental,yourcoveragewillautomaticallytransfertoAnthem.However,ifyouwishtoenroll,changeyourlevelofcoverageorchangeyourdentaldependents,youwillneedtoactivelymaketheseselectionswithinyourOpenEnrollmentevent.
Inadditiontotheinsuranceproviderchange,thestateisexcitedtoannouncethattheorthodonticservicesbenefitwillbeincreasing.Thenewlifetimemaximumfororthodonticserviceswillbe$1,500pereligibleperson.
AnthemDentalCompletewillcontinuetoprovide100percentdiagnosticandpreventivecoverage,aslongasanin-networkdentistisused.Theplanalsocovers100percentofemergencypalliativetreatment(usedtotemporarilyrelievepain),x-raysandsealants(topreventdecayofpitsandfissuresofpermanentbackteeth).Therearelimitstothecoverageofsealants,however,socheckwithAnthembeforeagreeingtothetreatment.Youcansavemoneybyusinganin-networkdentist.Tofindanin-networkdentistpleasevisitAnthem.comandsearchdentistwithintheAnthemDentalCompletenetwork.
Pleasebeawarethatthedentalrateshavechangedslightlyfromlastyear.Belowisabreakdownofthecost.
• View 2016 Anthem Dental Benefits Summary
Dental 2016Bi-WeeklyRate
Single $1.32
Family $3.42
Read more on page 12 about Castlight
The Torch 3
Know your health plan options and including the 2016 changesTheStateisagainofferingfourstatewidemedicalplansfor2016:WellnessConsumer-DrivenHealthPlan(WellnessCDHP),Consumer-DrivenHealthPlan1(CDHP1),Consumer-DrivenHealthPlan2(CDHP2)andTraditionalPreferredProviderOrganization(PPO).AllfouravailableplansareintheBlue Access PPO networkwithAnthemandhaveaprescriptiondrugplanthroughExpressScripts.Eachplanhasdifferencesinpremiumcosts,deductiblesandout-of-pocketmaximums.
Pleasenote:inordertobeeligibletoenrollinthe2016WellnessCDHPyoumusthaveattainedSilverStatusinHumanaVitalitybyAugust31,2015.IfyouqualifiedfortheWellnessCDHPandwishtoenrollintheplanfor2016,youmustselectthisoptionwithinyourOpenEnrollmentevent.Youwillnot be automatically enrolledintheplanunlessyouwereenrolledintheWellnessPlanforthe2015planyear.Ifyouwereenrolledinthe2015WellnessCDHPbutdonotqualifyforthe2016WellnessCDHPyourcoveragewillautomaticallybeswitchedtotheCDHP1,unlessyouactivelyelectanotherplan.
Family Out-Of-Pocket Change for Wellness CDHP and CDHP 1Onesignificantchangeintheplansforthisyearistheadditionofanindividualembeddedout-of-pocketmaximumforthefamilyWellnessCDHPandCDHP1.Theindividualembeddedout-of-pocketmaximumwillsavefamiliesmoneybylimitingthecostspentonanyonepersonto$6,850.Onceafamilymembermeetstheindividualembeddedout-of-pocketmaximumallclaimsincurredbythatfamilymemberwillbe100percentpaidbytheplan.Theotherfamilymembersontheplanwillcontinuetopaythecoinsuranceamountsforanyclaimstheyincuruntilthefamilyout-of-pocketmaximumof$8,000isobtained.
Wellness CDHP
CDHP 1 CDHP 2 Traditional PPO
DeductibleSingle $2,500 $2,500 $1,500 $750/$1,500Family $5,000 $5,000 $3,000 $1,500/$3,000
Out-of-Pocket MaximumSingle $4,000 $4,000 $3,000 $3,000/$6,000
Family $8,000 $8,000 $6,000$6,000/$12,000
-IndividualEmbedded
$6,850 $6,850 N/A N/A
Co-Insurance In-Network
20% 20% 20% 30%
Out-of-Network 40% 40% 40% 50%
Here are the differences at a glance:
Wellness CDHP CDHP 1 CDHP 2 Traditional PPO
Prescription drugs
Retail(30daysupply)
Mail(90daysupply)
Retail(30daysupply)
Mail(90daysupply)
Retail(30daysupply)
Mail(90daysupply)
Retail(30daysupply)
Mail(90daysupply)
Preventive(mandated by the ACA)
$0no
deductible
$0no
deductible
$0no
deductible
$0no
deductible
$0no
deductible
$0no
deductible
$0no
deductible
$0no
deductible
Generic $10copay $20copay $10copay $20copay $10copay $20copay $20copay $40copay
Brand, Formulary
20%Min$30Max$50
20%Min$60Max$100
20%Min$30Max$50
20%Min$60Max$100
20%Min$30Max$50
20%Min$60Max$100
30%Min$40Max$60
30%Min$80Max$120
Brand, Non-formulary
40%Min$50Max$70
40%Min$100Max$140
40%Min$50Max$70
40%Min$100Max$140
40%Min$50Max$70
40%Min$100Max$140
50%Min$70Max$90
50%Min$140Max$180
Specialty40%
Min$75,max$150(30daysupply)
40%Min$75,max$150(30daysupply)
40%Min$75,max$150(30daysupply)
50%Min$100,max$175
(30daysupply)
Medical plan options
Wanttoviewanindividual’soutofpocketexample?Click here.
The Torch4
HSAAccount
CoverageInitial
ContributionBi-Weekly
ContributionMonthly
Contribution
MaximumAnnual ER
Contribution
Wellness HSA
Single $625.56 $24.06 $52.13 $1,251.12Family $1,251.12 $48.12 $104.26 $2,502.24
HSA 1Single $500.76 $19.26 $41.73 $1,001.52Family $1,001.52 $38.52 $83.46 $2,003.04
HSA 2Single $299.52 $11.52 $24.96 $599.04Family $599.04 $23.04 $49.92 $1,198.08
TheStatewillcontinuetocontributeapproximately39percentormoreoftheConsumer-DrivenHealthPlan(CDHP)annualdeductibletoyourHealthSavingsAccount(HSA)in2016dependingonwhatplanyouchoose.TheinitialcontributionwillbemadeonthefirstchecksinJanuary.EmployeesenrolledinaCDHPeffectivefromJan.1,2016,throughJune1,2016,willreceivethefullpre-fundamount.CDHPseffectiveafterJune2,2016,butbeforeDec.2,2016,willreceiveone-halfoftheinitialcontribution.Theinitialpre-fundcontributionisbasedonthecoveragetype(single/family)thatiseffectiveJan.1,2016.
IfyouhaveanactiveHSAwithTheHSAAuthorityatOldNationalBankandwishtocontinuereceivingtheState’scontributionsin2016,youdonotneedtoopenanewHSAaccount.
Ifyouwishtochangeyourcontributiontoyouraccountorbegincontributingfor2016,youneedtoaccessyourPeopleSoftrecordandenteryourdesiredcontribution. If you do not change your HSA contribution, it will not carry over for the 2016 plan year.
State continues to contribute to Health Savings AccountMedical savings
Contributionsarealloweduptothemaximumstatutorylimit.Themaximumannualcontributionfor2016is$3,350forself-onlypoliciesand$6,750forfamilypolicies.Individualsage55andovermaymakeanadditionalcatchupcontributionofupto$1,000in2016.
Combinedhouseholdcontributionscannotexceedthefamilylimit.Themaximumincludesthestate’s
contributionsandanyothercontributionstoyourHSA.
HSAs have a maximum contribution limit
IfyouareelectingtoparticipateinaHSAforthefirsttimein2016,youmustedittheonlineHSAoptioninPeopleSoftandchoosetheHSAthatcorrespondstoyourmedicalCDHPelectioninordertoreceivethestate’scontribution.InadditiontoelectingtheHSAoption,youwillneedto
openanHSAaccountwithTheHSAAuthoritybeforeJan.1,2016.
Asareminder,tobeeligibleforanHSAyou:• MustbecurrentlyenrolledinanHSA-qualifiedhealthplan;
• Maynotbeenrolledinanyothernon-HSAqualifiedhealthplan;
• Maynothave,orbeeligibletouse,ageneralpurposeflexiblespendingaccount(FSA);
• Cannotbeclaimedasadependentonanotherperson’staxreturn;
• MaynotbeenrolledinMedicare,Medicaid,HIPorTricare;
• MustnothaveusedVAbenefitsforanythingotherthanpreventativeservicesinthepastthreemonths.
ToopenyourHSA,linktoTheHSA
Authority’swebsitefromPeopleSoftonyourHSAelectionpage,orgodirectlytowww.theHSAauthority.comandclickonthe“EnrollNow”button.Thefirstpageofthisonlinesessionsays:IfyouhavebeeninstructedbyyouremployertovisitthissitetoopenyourHSA,clickthisbuttonandinsertyouremployercodebelow.Enter 100366inthe“employercode”anditwillbeginthestateapplication.
YouwillneedthefollowinginformationtocompletetheHSAapplicationonline:
1. Driver’slicense2. SocialSecuritynumber,date
ofbirthandaddressforyourbeneficiaries
3. SocialSecuritynumber,dateofbirthandaddressforyourauthorizedsigner(ifselected)
4. Securitypasswordsforyouandyourauthorizedsigner(basedontheanswertooneofthefivequestionsyouselectduringtheapplicationprocess)
The Torch 5
FSA
FSAs can provide tax-free help for qualified medical expenses with no administration fee in 2016AFlexibleSpendingAccount(FSA)providesanotheropportunityforyoutobettercontrolyourhealthcaredollars.Bytuckingawaypre-taxdollarsfromyourpaycheck,youhaveanaccountthat’sdedicatedforthereimbursementofqualifiedmedical,visionanddentalexpenses.
Inaddition,thebi-weeklyemployeeadministrationfeeisbeingpaidbytheStateduringthe2016planyear,providingyouwithevenmoreopportunitiestosave.TheState’sFSAprogramisadministeredthroughKeyBenefitsAdministrators.AllFSAsofferedbythestatehaveause-it-or-lose-itrule.Moneyleftattheendoftheplanyearisnotrolledoverorreimbursed,soplancarefully.
TherearethreetypesofFSAs:MedicalCare,LimitedPurposeMedicalCareandDependentCare.MedicalCareandLimitedPurposeMedicalCareFSAaccountsallowemployeestousepre-taxdollarstocoverhealthcarecostsformedical,dental,vision,hearingandotherout-of-pocketexpensesnotpaidbyinsurance.
For2016,themaximumannualcontributionfortheMedicalCareandLimitedPurposeFSAsis$2,500.
ALimitedPurposeFSAmayonlybeusedfordental,visionandpreventivecareexpensesuntiltheminimumdeductibleofaCDHPismet($1,300forsingleand$2,600forfamily,perfederalregulations).Oncetheminimumdeductibleismet,theLimitedPurposeFSAcanbeusedasa
MedicalCareFSA.
IfyouareenrolledinaCDHP/HSA,yourFSAwillautomaticallybecomeaLimitedPurposeFSA.YoudonotneedtomeettheminimumdeductibletousethefundsinyourLimitedPurposeFSAfordentalandvisionexpenses.YoucanpayfordentalandvisionexpensesfromyourLimitedPurposeFSAatanypointduringtheyear.
ADependentCareFSAisusedtopayfordependentcareservices,suchaspreschool,summerdaycamp,beforeorafterschoolprogramsandchildorelderdaycare.DependentcareexpensesdonotincludemedicalexpensesandthereforecanbeusedevenifyouparticipateinaHSA.
DependentCareFSAsarenotfront-loaded.Portionsofyourbiweeklypayareputintoapre-taxaccounttopayforeligibledependentcarecoststhroughouttheyear.Currently,themaximumannualcontributionamountfortheDependentCareFSAis$5,000($2,500ifmarriedandfilingseparatetaxreturns).
• Viewmoreinformationanddownloadenrollmentinformationpackets.
Qualifying events allow for changesAfternoon(EST)onWednesday,Nov.18,youwillnotbeabletomakechangestoyourbenefits.Thismeansyoumustbecertainyouhaveelectedthecoveragethatisrightforyouandaddedalleligibledependentswhoyouwishtocovertoallplans(health,visionanddental).AfterOpenEnrollment,youcanonlymakechangesinconjunctionwithaqualifyingevent.
QualifyingeventsareregulatedanddefinedbytheIRS.Examplesinclude:
• Changesinyourlegalmaritalstatus(marriage,divorce,separation,annulmentordeathofspouse).
• Changesinthenumberofdependents(birth,adoption,placementforadoptionordeath).
• Changesinemploymentstatusforyouoryourspouse,suchasterminationoforchangeinemployment,astrikeorlockout,orthestartorendofanunpaidleaveofabsence.
• Changesindependenteligibilitystatus(suchasattainmentoflimitingage).
Ifyoudonotreportaqualifyingeventandcompleteanynecessarypaperworkwithin30calendardaysfromthedateofthequalifyingevent,youwillnotbeabletoadddependentsuntilthenextopenenrollmentperiod.Pleasenotethatanex-spouseisineligibleforcoverageasofthedayofdivorce.Itisimportantthatyoureportineligibledependentsevenifitisbeyondthe30dayperiodtominimizerecoveryofclaims.
Making changes
The Torch6
TheIRSestablishedHealthSavingsAccountsasamethodtoprovideindividualsataxadvantagetooffsettheirhealthcarecosts.Indoingso,theIRScreatedeligibilitycriteriatoqualifyfortheaccount.TobeeligibleforanHSAyou:
• MustbecurrentlyenrolledinanHSA-qualifiedhealthplan;
• Maynotbeenrolledinanyothernon-HSAqualifiedhealthplan;
• Maynothave,orbeeligibletouse,ageneralpurposeflexiblespendingaccount(FSA);
• Cannotbeclaimedasadependentonanotherperson’staxreturn;
• MaynotbeenrolledinMedicare,Medicaid,HIPorTricare;
• MustnothaveusedVAbenefitsforanythingotherthanpreventativeservicesinthepastthreemonths.
Basedontheaboveeligibilityqualifications,enrollinginMedicare,MedicaidorHIP2.0willdisqualifyyoufromhavingcontributionsintoaHealthSavingsAccount(HSA).Onceenrolledinanyoftheseplans,youmaynotreceiveormakeanycontributionsintoaHSA.FormoreinformationaboutHSAspleaseseeIRSPublication969atwww.irs.gov/pub/irs-pdf/p969.pdf.
AlthoughyoucannolongermakecontributionstoyourHSAonceyouarecoveredbyMedicare,MedicaidorHIP2.0themoneythathasaccumulatedinyourHSAfrompastyearsremainsyourstospend,tax-free,oneligibleexpenses,includingMedicareco-paysordeductibles,
HSA
Medicare, Medicaid and HIP disqualify you from having a Health Saving Account
visionexpensesanddentalexpenses.Ifyouareage65orover,youalsohavetheoptiontowithdrawthemoneyforanypurposeandpayonlytheincometaxwithoutpenalty.ThesamerulesalsoapplyifyoureceiveSocialSecuritydisabilitybenefitsandareenrolledinMedicare.
PleasereviewthebelowinformationcarefullyasitrelatestoyoureligibilitytoqualifyforanHSA.
MedicareIfyouelecttoreceiveSocialSecurityBenefitsatage62orolder,youwillautomaticallybeenrolledinMedicarePartAwhenyouturnage65.IfyouwishtoparticipateintheHSA,youshoulddeclinetoreceiveSocialSecurityretirementbenefitsandwaiveMedicarePartA.Keepinmindthattherearepotentialconsequencesifyouchoosetodeclineorpostponeyourenrollment.Additionally,ifyoudecidednottotakeMedicarewhenyoufirstqualify,pleasebeadvisedthatyourMedicarePartAstartdatemaybackdateuptosixmonthswhenyouapplyforSocialSecuritybenefits.Pleasecarefullyresearchallofyouroptionsbeforemakingyourdecision.
YoucanusefundsinyourHSAtopayforincurredeligiblemedicalexpensesforyourdependents(asdefinedbythefederalregulations),eveniftheyarenotcoveredunderyourmedicalplan,orhaveothercoverage,suchasMedicare.However,keepinmindthatifyourspouseisonMedicare,she/heisnoteligibletocontributetoanHSAinher/hisname,regardlessofwhetherornotshe/heiscoveredonyourmedicalplan.
Medicaid and HIP 2.0AccordingtoIRSregulations,anindividualwhoisenrolledinMedicaidisnoteligibletomakeorreceive
contributionsintoanHSA.Therearetaxconsequencestoboththeindividualandtheemployer,iftheemployerisalsocontributingtoanHSAfortheemployee.SimilartoMedicare,ifyourdependent(s)is/arecoveredbyMedicaidbutyouarenot,youmaycontinuetoreceivecontributionsintoyourHSA.Eligibilityisbasedonthesubscriber/accountholder.
TheAnthemVisionplanandpremiumswillremainthesamefor2016.ThroughBlueViewVisionSelect,youhaveaccesstoawideselectionofexperiencedopticians.Manyoftheseopticianarelocatedinconvenientretaillocationsandoffereveningandweekendhours.Togetthemostcostsavings,itisimportanttoseekcarefromanin-networkprovider.TofindoutwhichopticiansareinyournetworkpleasevisitAnthem.comorcallBlueViewVisionSelecttoll-freeat(877)254-9443.
UnderBlueViewVision,youareauthorizedtoreceiveaneyeexamevery12months,framesevery24monthsandcontactlensesonceevery12months.
• View 2016 Anthem Vision Benefits Summary
Vision plan is to remain the same
The Torch 7
TheNon-TobaccoUseIncentiveisbeingofferedagainforthe2016planyear.Youcanreceivea$35reductioninyourgrouphealthinsurancebi-weeklypremiumbyacceptingtheagreementduringOpenEnrollment.Byacceptingtheincentive,youareagreeingtonotuseanyformoftobaccoproductsin2016.Thisappliestoemployeeswhohaveneverusedtobaccoproducts,employeeswhohaverefrainedfromusingtobaccoproductsinpastyearsandtothoseemployeeswhohavedecidedtoquitusingtobaccoproductspriortoJan.1,2016.Keepinmind,byacceptingtheagreementyouareagreeingtobesubjecttotestingfornicotineatanytimeduringtheyear.TheNon-TobaccoUseAgreementmustbecompletedeachyearonline.
TheNon-TobaccoUseIncentiveisonlyavailabletoemployeeswhohaveenrolledinmedicalcoverage.Youwillnothaveaccesstotheagreementif
Non-tobacco use incentive
youwaivemedicalcoverageforplanyear2016.Thereductioninyourgrouphealthinsurancebi-weeklypremiumonlyappliestoyouremployeemedicalpremium,anddoesnotapplytoyourdental,visionorlifeinsurancepremiums.
IfyouaccepttheNon-TobaccoUseAgreementduringOpenEnrollmentandlaterusetobacco,youremploymentwillbeterminated.TheonlyexceptiontothejoblosspenaltyisifyourevoketheagreementbyloggingintoPeopleSoftandcompleting
theself-serviceprocesstochangeyouragreementpriortotheuseofanytobaccoproduct.IfyouneedtorevokeyouragreementandarenotsurehowtocompletetheprocessinPeopleSoft,calltheBenefitsHotlineandaspecialistwillwalkyouthroughit.Ifyourevoketheagreementyouwillberesponsibleforpayingthevalueoftheincentiveyouhavereceivedfortheyear.The$910isagreatincentive,butitcertainlyisn’tworthlosingyourjob.
TheNon-TobaccoUseIncentivedoesnotcarryoverfromyear-to-year.Ifyouwouldliketoparticipatein2016youmustaccessyourPeopleSoftrecordandaccepttheagreement.
Anyoneinterestedingettinghelptobecometobaccofree,logontoorcallQuitNowIndiana:www.quitnowindiana.comorcall1-800-QUIT-NOW(1-800-784-8669).Thisisafreeservice.
The Non-Tobacco Use Incentive will not change for 2016
AdultchildrenmaybecoveredundertheState’smedical,dental,visionanddependentlifeinsuranceplansuntiltheendofthemonthoftheir26thbirthday.Adependent’slastdayofcoveragewillbethelastdayinthemonthinwhichtheyturn26.DependentswillbeofferedCOBRAwhentheyloseeligibility.Spousesofadultchildren(deemedchildren-in-law)andgrandchildrenarenoteligibleforthiscoverage.
DisableddependentscanbeenrolledinanyofyourdesiredplansduringtheOpenEnrollmentperiodiftheyhavenotexceededthemonthinwhichtheyturn26.Priortoyourdependentturning26-years-old,youmustcontactAnthemat877-814-9709torequesttocontinue
yourdependentscoverageduetotheirdisability.YoumustsubmitsatisfactoryevidenceofthedependentsdisabilityanddependencytoAntheminaccordancewithAnthem’sdisableddependentcertificationandrecertificationprocedures.Theplanrequiresperiodicdocumentationafterthechildturnsage26.
Pleasenote:Inorderforadisableddependenttocontinuecoveragepastthemonthinwhichtheyturn26yearsofage,thatdependentchildmusthavebeendeemeddisabledpriortoage19.Ifadependentchildwasdeemeddisabledafterage19,theywillnotbeeligibletocontinuecoveragepastthemonththeyturn
age26.
YoumustaccessPeopleSoftduringopenenrollmentandedityourdependentinformation.Keepinmind,youwillhavetoenrollyourdependentsoneachplan(medical,dental,andvision)forwhichyoudesirecoverage.
Dependents
Children are covered up to the end of the month they turn 26
The Torch8
State plans provide creditable coverage
Notice
IfyouareMedicare-eligible,therearetwoimportantthingsyouneedtoknowaboutyourcurrentcoverageandMedicare’sprescriptiondrugcoverage.
First,Medicareprescriptiondrugcoveragebecameavailablein2006toeveryonewithMedicare.YoucangetthiscoverageifyoujoinaMedicarePrescriptionDrugPlanorjoinaMedicareAdvantagePlan(likeanHMOorPPO)thatoffersprescriptiondrugcoverage.AllMedicaredrugplansprovideatleastastandardlevelofcoveragesetbyMedicare.
Second,theState’sThirdPartyAdministratordeterminedthattheprescriptiondrugcoverageofferedbyExpressScriptsis,onaverageforallplanparticipants,expectedtopayoutasmuchasstandardMedicareprescriptiondrugcoveragepaysandisthereforeconsideredCreditableCoverage.BecauseyourexistingcoverageisCreditableCoverage,youcankeepthiscoverageandnotpayahigherpremium(apenalty)ifyoulaterdecidetojoinaMedicaredrugplan.
IfyouareconsideringjoiningMedicare’sprescriptiondrugcoverage,youshouldcompareyourcurrentcoverage,includingwhichdrugsarecoveredatwhatcost,withthecoverageandcostsoftheplansofferingMedicareprescriptiondrugcoverageinyourarea.
FormoreinformationaboutMedicare’sprescriptiondrugcoveragepleasevisit:www.medicare.gov.
Ifyouaredecliningenrollmentforyourselforyourdependents(includingyourspouse)becauseofotherhealthinsuranceorgrouphealthplancoverage,youmaybeabletoenrollyourselfandyourdependentsinthisplanifyouoryourdependentsloseeligibilityforthatothercoverage(oriftheemployerstopscontributingtowardyouroryourdependents’othercoverage).However,youmustrequestenrollmentwithin30daysafteryour,oryourdependents’othercoverageends(oraftertheemployerstopscontributingtowardtheothercoverage).
Inaddition,ifyouhaveanewdependentasaresultofmarriage,birth,adoption,orplacementforadoption,youmaybeabletoenrollyourselfandyourdependents.However,youmustrequestenrollmentwithin30daysafterthemarriage,birth,adoption,orplacementforadoption.
Torequestspecialenrollmentorobtainmoreinformation,contacttheBenefitsHotlineat317-232-1167(withinIndianapolis)ortollfree1-877-248-0007(outsidethe317areacode).
HIPAA Notice of Special Enrollment RightsHIPAA
Dualcoverageofthesameindividualisnotallowedunderthestate’shealth,dentalandvisionbenefitplans.Forexample,dualcoveragebytwostateemployeesisnotallowed,meaningthatifbothyouandyourspousearestateemployeeswithinsurancecoverage(oroneisacurrentemployeeandtheotherisaretiree),youmaynotcovereachotheronbothplansorhavethesamechildrenonfamilycoverage.Thisalsoappliestoparentsofchildrenwhoarenotmarriedtoeachother.Youmayeachelectasingleplan,onemaycarryfamilyandtheothermaywaivecoverage,oronemaycarryfamilywiththechildrenandtheothercarrysinglecoverage.
Asecondexampleoccurswhenanemployeewhohasretiredfromoneareaofstateemploymentbeginsactiveworkinanotherstateposition.Inthisinstance,youwillhavethechoicetocontinueyourretireecoverageandwaiveyouractiveemployeecoverage,orviceversa.However,youwillnotbepermittedtocarrystateretireeinsuranceandactivestateemployeecoveragesimultaneously.Dualcoverageisonlypermittedfordependentlife.
Dual coverage is not allowed under any planCoverage
Artwork by Jerry Williams
MinnesotaLifeInsuranceCompanyisintheprocessofrebrandingtheircompanynametoSecurian.Thenamechangewillnotimpactyourcoverage;however,pleasebeawarethatyoumaybegintoseecommunicationundertheSecurianname.
Name change for Minnesota Life Insurance Company
The Torch 9
YoucanaccessyourOpenEnrollmentevent24hours,sevendaysaweekfromWednesday,Oct.28throughnoonWednesday,Nov.18(EST).Keepinmind,youcanaccessyourOpenEnrollmenteventfromanycomputerthatallowsyouaccesstoPeopleSoft.
Helpfulhints:
1. YourUserIDisyourfirstinitialofyourfirstnamecapitalizedfollowedbythelastsix(6)digitsofyourPeopleSoftnumber.IfyouhaveforgottenyourPeopleSoftnumberpleasecontactyouragency’sHumanResourcesDepartmentforassistance.
2. Ifyouaccessthestatenetwork,thepasswordusedtologontoyourcomputercanbeusedtologintoPeopleSoft.
3. Forpasswordresets,networkconnectivityorissuesaccessingthewebsite,pleasecontactIOTCustomerServiceat(317)234-HELP(4357)orToll-Freeat1-800-382-1095,andfollowthemenuoptions.
4. WhenmakingyourelectionsinPeopleSoft,donotusetheBACK/FORWARDarrowbuttonsatthetopofyourwebbrowser.
5. Keepinmindyoumustturnoffyour“pop-upblocker”inordertoprintyourBenefitElectionSummary.
6. ForanybenefitrelatedquestionspleasecalltheBenefitsHotlineat317-232-1167orToll-Freeat877-248-0007(ifoutsideofthe317areacode).
IMPORTANT:Onceyouaresatisfiedwithyouropenenrollmentelections,itisessentialthatyousubmityourelectionsandprintaBenefitElectionSummaryforyourrecords.
Remember,youcanaccessPeopleSoftatanytimeduringtheyeartoreviewyourbenefitsorupdatecontactinformation.YoumayaccessPeopleSoftthroughanyofthebelowlinks:
• https://hr.gmis.in.gov/psp/hrprd/?cmd=login&languageCd=ENG&• http://www.in.gov/spdandclickonthePeopleSoftHRlinkonthe
rightside• http://myshare.in.gov/andselecttheOracleHumanResourceslink.
Toviewyourcurrentbenefitelections,youneedtologintoPeopleSoftandfollowthesesteps:ClickonSelfService,ClickonBenefitsandClickonBenefitSummary.Your2016benefitswillnotbeavailabletoviewuntilJan.1,2016.
Ifyouhavequestionsaboutyourelections,contacttheBenefitsHotline,7:30a.m.to5p.m(EST)MondaythroughFriday.Call317-232-1167withinIndianapolisareaor1-877-248-0007toll-freeoutsideIndianapolis
Submit your Open Enrollment elections through PeopleSoft
PeopleSoft steps
Health,dental,vision,HealthSavingsAccountandFlexibleSpendingAccountchanges/enrollmentswillbeeffectiveJanuary1,2016.
Deductionsforhealth,dentalandvisionwillbegin:
• Payroll A:Dec.16,2015(12daysatoldplans&rates;2daysfornewplans&rates)
• Payroll B:Dec.23,2015(5daysatoldplans&rates;9daysfornewplans&rates)
DeductionsfortheFlexibleSpendingAccountsandHealthSavingsAccountsbeginonthefollowingdates:
• Payroll A:Jan.13,2016• Payroll B:Jan.6,2016
EffectivedatesforLifeinsurancechangesandenrollmentswillvarydependingonwhichpayrollyouareinalongwiththedateyourdeductionswillbegin.
Payroll A: Effective:Jan.3,2016Deduction:Dec.30,2015
Payroll B: Effective:Jan.10,2016Deduction:Jan.6,2016
Direct Bill Effective:Jan.1,2016
When do my changes take effect?
Effective dates
The Torch10
Help sessions are available
For2016plansummaries,rates,PeopleSoftinstructionsandotherOpenEnrollmentinformation,pleaselogontoourwebsite.
HelpsessionsareprovidedintheIndianaGovernmentCenterSouthTrainingRoom31throughoutOpenEnrollmentforthoseneedingassistancewithenteringelectionsandnavigatingthroughPeopleSoft.Hoursare(EST):
• Oct. 28 to Nov 6:8a.m.to3p.m.• Nov. 9 to Nov 13:8a.m.to4p.m.• Nov. 16 to Nov. 17:8a.m.to5p.m.• Nov. 18:8a.m.tonoon
IfyouhavespecificquestionsaboutOpenEnrollmentnotansweredontheStatePersonnelDepartment’swebsite,callore-mailaBenefitsSpecialistinStatePersonnel:
• 232-1167(withinIndianapolis)• Tollfree1-877-248-0007(outside
the317areacode)• E-mail:[email protected]
Support to help you achieve health goalsAnthem
TheStateiscommittedtoprovidingemployeeswithhelpfultoolsinordertoachieveamoreactiveandhealthypopulation.AllemployeesenrolledinanAnthemhealthplanreceivespecialservicesinconjunctionwiththeAnthem360°
Healthprogram.Anthem360°Healthprovidesyouwithsupporttohelpyouachieveyourhealthgoalsbyworkingwithyou,yourdoctorandotherhealthcareprofessionalstoassistyouinimprovingyourhealth.
RepresentativesfromtheAnthem360°programmaycontactyoutohelpyoureachyourhealthgoals.Visitwww.anthem.comformoreinformation.
Nurse LineNurseLineprovidesanytime,tollfreeaccesstonursesforanswerstogeneralhealthquestionsandguidancewithhealthconcerns.Anursecanhelpyouunderstandyoursymptomsorexplainmedicaltreatments.Everycallerreceivescredible,reliableinformationfromaregisterednurse.
TheNurseLineisavailable24/7bycalling1-888-279-5549.
Need help?
Grouphealthplansandhealthinsuranceissuersgenerallymaynot,underfederallaw,restrictbenefitsforanyhospitallengthofstayinconnectionwithchildbirthforthemotherornewbornchildtolessthan48hoursfollowingavaginaldelivery,orlessthan96hoursfollowingacesareansection.However,federallawgenerallydoesnotprohibitthemother’sornewborn’sattendingprovider,afterconsultingwiththemother,fromdischargingthemotherorhernewbornearlierthan48hours(or96hoursasapplicable).Inanycase,plansandissuersmaynot,underfederallaw,requirethataproviderobtainauthorizationfromtheplanortheissuerforprescribingalengthofstaynotinexcessof48hours(or96hours).
Newborns’ and Mothers’ Health Protection Act of 1996
FlexibleSpendingAccounts(FSA)provideanotheropportunitytosetasidepre-taxdollarsfromeachpaycheckforreimbursementofqualifiedmedicaland/ordependentdaycareexpenses.Themaximumcontributiontoamedicalflexiblespendingaccountin2016is$2,500annually.ThisappliestoboththemedicalFSAandthelimitedpurposemedicalFSA.ThedependentcareFSAwillcontinuetohavea$5,000annualcontributionlimit.
Youmustre-enrollinmedicalanddependentcareFSAseachyearifyouwishtocontinuetoparticipate.IfyoucontinueparticipationintheMedicalFSA,donotdiscardthedebitcardfromKeyBenefitAdministrators.Newcardsarenotautomaticallyissuedeachyear.
Forthe2016planyear,theStatewillpaythebi-weeklyadministrationfee.Asareminder,FSAshavea“use-it-or-lose-it”rule.Moneyleftattheendoftheplanyearisnotrolledoverorreimbursedsoplancarefully.
Are there other ways to save besides a HSA?FSA
The Torch 11
The life insurance tier system is changing But there are more opportunities to elect dependent life coverage
Life Insurance
StatePersonnelisexcitedtoannouncethatbeginningthisOpenEnrollment,youmayelectdependentlifeinsurancewithoutbeingenrolledinsupplementallife.Thischangeallowsyoutheopportunitytoelectdependentlifeinsurancewithoutenrollinginsupplemental.Pleasekeepinmindthatyouarestillrequiredtohavebasiclifeinsurancetobeeligibletoapplyforsupplementalordependentlife.
Also,itisimportanttonotethatwhilechildlifeinsuranceisguaranteedissueregardlessofwhentheapplicationismade,spouseliferequirescompletingtheEvidenceofInsurability(EOI)processtoacquireorincreasethecoverageleveloutsideofyournewhireelectionperiod.
DuringOpenEnrollment,youwillbeabletodecreaseyourcoveragelevelordropanyofyourlifeinsuranceplans.Youmayalsoupdateyourbeneficiaryinformationand/orallocationamountsthroughyourOpenEnrollmentevent.AllchangeswillbeeffectiveinJanuary.
OutsideofOpenEnrollmentyoumayacquireormakechangestoyourlifeinsuranceplansbycompletingtheEOIprocessatanytimethroughouttheyear.Allowablechangesincludeincreasingyourcoverageleveland/oraddinganeligiblespousetoyourdependentlifeinsuranceplan.ThisprocessappliestoallthreelifeinsuranceplanssponsoredbythestateofIndiana(basic,supplementalanddependentlife).
TheEOIapplicationcanbecompleted
onlineatanytimeatwww.LifeBenefits.com/SubmitEOI.Onaveragetheapplicationtakes10to30minutestocomplete.InstructionsonhowtosubmitEOIthroughSecuriancanbefoundatwww.in.gov/spd/2868.htm.Oncesubmitted,SecurianwillreviewyourapplicationandinformbothyouandSPDBenefitsofitsdecision.Ifapproved,SPDBenefitswillmaketheappropriatechangestoyourlifeinsuranceplansandstartthepremiumdeductions.
Pleasekeepinmind,youmayalsomakechangestoyourbeneficiaryinformationatanypointduringtheyearbyaccessingPeopleSoftself-service.Instructiononhowtochangeyourlifeinsurancebeneficiariescanbefoundatwww.in.gov/spd/2868.htm.Pleaseremember,youaretheonlyonewhocanchangeyourbeneficiaryinformation.
Reminder:Supplementallifeinsuranceisofferedtomostemployeesinincrementsof$10,000uptoandincluding$500,000,regardlessofsalarylevel.Employeesreachingage65orolderonorbeforeDec.31,2015,willbelimitedto$200,000ofsupplementallifeinsurancecoverage.Employeesattainingage65duringtheplanyearwillautomaticallybereducedto$200,000ofsupplementallifeinsurancecoverageandtheirpayrolldeductionsadjustedaccordingly.
Securian OpenEnrollmentisagreattimetoreviewyourcurrentlifeinsurancebeneficiaryinformation.ItonlytakesacoupleminutestoverifyyourbeneficiarydesignationsandupdatetheircontactinformationinyourOpenEnrollmentevent.Byroutinelycheckingthisinformationyouareassuringthatyouhaveallocatedyourlifeinsurancebenefitsasdesiredsincecertainlifeeventssuchasmarriage,divorcebirthordeathmaychangehowyouwouldlikeyourbenefitspaidout.
Inadditiontoconfirmingyourbeneficiaryallocation,youshouldalsoupdatetheircontactinformation.ItisextremelyimportantthatPeopleSofthasthecorrectaddressesandphonenumbersforallofyourbeneficiaries.Thisinformationisusedtoidentifyandlocateyourdesignatedbeneficiariesifaclaimwastobeprocessed.Withoutupdatedcontactinformationitmaytakeasignificantlylongerperiodoftimetopayoutaclaim.
Onceyouhavedesignatedyourbeneficiaries,itisagoodideaforyoutonotifythemofyourpolicyandyourdecisiontolistthemasabeneficiary.Providingpolicyinformationtoyourbeneficiariespriortoaclaimoccurringmakesadifficultsituationeasiertocopewithespeciallywhendealingwiththefinancialaspectoftheloss.
Note:AllbeneficiarychangesmadewithinyourOpenEnrollmenteventwilltakeeffectinearlyJanuarybasedonwhichpayrollyouareinalongwiththedateyourdeductionswillbegin.
Review and update your life insurance beneficiary information
Beneficiaries
The Torch12
The Employee Assistance Program (EAP) has been upgraded for 2016
Anthem EAP
AsofJanuary1,2016,youwillhaveaccesstothreefree,confidentialin-personcounselingvisitswithalicensedtherapist,perissue,peryearwhencontactingtheEmployeeAssistanceProgram(EAP).Thisenhancementwillbeavailabletoallemployeesandtheirhouseholdmembersregardlessofinsurancecoverage.Additionally,Anthem’sEAPwillcontinuetooffer24hour,sevendaysaweekphoneandonlineaccesstoanabundanceofhealth,financialandlifestyleservicesfromexpertsandprofessionalswithintheirrespectivefields.
AsaStateemployeeyouhaveaccesstothefollowingprivateandconfidentialtoolsaimedathelpingyoubalanceyourworkandhomelife:
• Counseling sessions.Threeface-to-facesessions,perissue,withalicensedtherapist–nodeductiblesorcopayseffectiveJanuary1,2016.Ifyouneedfurtherassistance,yourEAPcanhelpyoucoordinatewithavailableresource.
• Assistance with legal and financial concerns,includinga30-minuteinitialconsultation,perissue,withaqualifiedattorneyorfinancialadvisor.
• Dependent care referrals.Locatechildandeldercareprovidersusingon-linetoolsorcallingyourEAPdirectly.
• Convenience services.Obtainresourcesandinformationonpetsitters,educationalchoicesforyouoryourchildren,summercampprogramsandmuchmore.
• Website – anthem.EAP.com.Containsacomprehensivelevelofresourcearticles,self-assessments,audioandvideomaterialcoveringemotionalwell-being,healthandwellness,theworkplace,andlifeissuessuchaschildcare,eldercare,adoptionandeducation.
• Smoking cessation.Accesstelephonictobaccocessationcoachingforsmokingandchewing,coachingsupportwithweightmanagementasitrelatestothecessationprogram,10-sessiononlineLivingFreebehaviorchangemoduleandtobaccocessationtipsheets.
• ID recovery and credit monitoring.Assessyourrisklevelandidentifystepstoresolvepotentialidentitytheft.YourEAPcanhelpyoucompleteanynecessarypaperwork,willreporttoconsumercreditagenciesforyou,andnegotiatewithcreditorstorepairyourdebthistory.
• Member center.IncludesaccesstoalistingofEAPprovidersinyourpreferredareaandroutinecounselingreferralservice.
ToaccessAnthem’sEAPonlineresourcespleasevisitthewebsiteatwww.AnthemEAP.com.Fromthehomepage,clicktheMembersLoginbuttonontheleft-handsideofthepage.ThenextpagewillaskyoutoenteryourcompanynamewhichisStateofIndiana.Onceyou’vehitthe“LogIn”button,alloftheseservicesareopentoyou.Free24hour,sevendayaweekaccessisavailablebycalling(800)223-7723.Alloftheseresourcesareconfidentialandavailabletoyourdependentsandmembersofyourhousehold.
Castlightgivesyoutheinformationyouneedtomakesmarthealthcaredecisionsforyouandyourfamily.UsingCastlightonlineorthroughthemobileapp,youcan:
• Comparenearbydoctors,medicalfacilities,andhealthcareservicesbasedonthepriceyou’llpayandqualityofcare.
• Seepersonalizedcostestimatesbasedonyourlocation,yourhealthplan,andwhetherornotyou’vealreadypaidyourdeductible.
• Reviewstep-by-stepexplanationsofpastmedicalspendingsoyouknowhowmuchyoupaidandwhy.
Castlightlistspricesfordoctorsandservicesthathavebeenusedbystateemployees.Althoughallmedicalservicesmaynothaveprices,themostcommononeswill,andnewservicesareaddedeverymonth.
Castlightletsallstatemedicalplanmemberssharethecostsoftheirmedicalservicesinacompletelyanonymousandprivateway.Inthisway,memberscanhelpeachotherlowermedicalcostsforthemselvesandtheStatebyshoppingformedicalservices.
GetstartedwithCastlighttoday!Registerathttps://mycastlight.com/stateofindiana.
Spend your healthcare dollars wisely
Healthcare dollars
The Torch 13
Who is an eligible dependent?Coverage
OpenEnrollmentisagoodopportunitytodoublecheckthedependentsenrolledinallofyourplanswiththestateofIndiana.Makesureyouhaveaddedeligibledependentstoalltheplansyouintendedincludingdentalandvision.Converselyitisimportantthatyouremovealldependentsthatarenolongereligibleorthatyoudonotwishtocoverduringthistimeperiod.Beginning2016thedefinitionofaneligibledependentisasfollows:
“Dependent”means:(a)Spouseofanemployee;(b)Anychildren,step-children,fosterchildren,legallyadoptedchildrenoftheemployeeorspouse,orchildrenwhoresideintheemployee’shomeforwhomtheemployeeorspousehasbeenappointedlegalguardianorawardedlegalcustodybyacourt,undertheageoftwenty-six(26).Suchchildshallremaina“dependent”fortheentirecalendarmonthduringwhichheorsheattainsagetwenty-six(26).
Intheeventachild:i.)wasdefinedasa“dependent”,priortoage19,andii.)meetsthefollowingdisabilitycriteria,priortoage19:
• isincapableofself-sustainingemploymentbyreasonofmentalorphysicaldisability,
• resideswiththeemployeeatleastsix(6)monthsoftheyear,and
• receives50percentofhisorherfinancialsupportfromtheparent
Suchchild’seligibilityforcoverageshallcontinue,ifsatisfactoryevidenceofsuchdisabilityanddependencyisreceivedbytheStateoritsthirdpartyadministratorinaccordancewithdisableddependentcertificationandrecertificationprocedures.Eligibilityforcoverageofthe“Dependent”willcontinueuntiltheemployeediscontinueshiscoverageorthedisabilitycriteriaisnolongermet.ADependentchildoftheemployeewhoattainedage19whilecoveredunderanotherHealthCarepolicyandmetthedisabilitycriteriaspecifiedabove,isaneligibleDependentforenrollmentsolongasnobreakinCoveragelongerthansixty-three(63)dayshasoccurredimmediatelypriortoenrollment.Proofofdisabilityandpriorcoveragewillberequired.Theplanrequiresperiodicdocumentationfromaphysicianafterthechild’sattainmentofthelimitingage.
Forthe2016benefitplanyear,AnthemwilladministerthedisableddependentverificationprocessfortheState’smedical,dentalandvisionplans.Anthemwillrequestverificationofdisabilityforyourdependent(s)inearly2016inordertodetermineeligibilitytocontinuecoverageunderyourhealthplan(s).Please note:thelanguageregardingdisableddependenthasbeenexpanded.
Ifyouhavequestionsorconcernsaboutdependentcoverage,pleasefeelfreetocontactStatePersonnelat1-877-248-0007outsidethe317areacodeor317-232-1167locally.
Continue to engage with HumanaVitalityWhetheryouattainedSilverStatusbyAugust31ornot,continuetoengagewithHumanaVitality!Thehealthandwellnessbenefitsfromtheprogramrunfarbeyondthequalificationdeadline.AsyoucontinuetoengagewithHumanaVitality,youcankeepincreasingyourVitalityStatusbyearningmorepointsandbucksthroughouttheremainderoftheyear!AsyourVitalityStatusincreases,sodoesthediscountyoureceiveintheHumanaVitalitymall.YoumayredeemyourVitalityBucksthroughthemallforcoolprizessuchasfitnessdevices,bikes,giftcardsandmuchmore!
AfewthingstokeepinmindasyoucontinuetoearnVitalityPointsandBuckswhiletheNewYearapproaches:
• 10percentofyourtotalpointsattheendoftheyearwillrolloverto2016.Thismeansthatthemoreyoudothisyear,theeasierqualifyingcouldbeforyounextyear!
• AnyunusedVitalityBucksstaywithyouinto2016andbeyond!VitalityBucksexpirethreeyearsfromtheendoftheprogramyearinwhichtheywereearned.Forexample,anyunusedVitalityBucksearnedin2015staywithyouuntilyear’sendin2018,assumingyouarestillenrolledinHumanaVitality.
• Doyouenjoyreceivinga10percent,20percent,or40percentdiscountintheHumanaVitalityMallwithyourVitalityBucks?Thisisalldependentonyourrewardstatus,whichwillrolloverwithyouin2016,onceyouhavecompletedtheHealthAssessmentintheNewYear!Youmaycheckyourrewardstatusbyscrollingover“GetHealthy”andclickingon“AchievementDashboard.”
Not signed up for HumanaVitality? See page 14
Wellness
The Torch 14
For Eligible Participants: HIP Link Power account vs. Health Savings Accounts
Coverage
Enrollinginthestate’snewHIPLinkprogramallowsmemberstoreceiveassistanceforthecostofhealthinsurance.HIPLinkisaninnovativenewpartoftheHealthyIndianaPlanthathelpscoveraportionofthemember’shealthinsurancecostsandout-of-pocketmedicalexpenses(copaymentsforofficevisits,deductibles)whentheyenrollintheiremployer’shealthplan.Thisisaccomplishedwitha$4,000PersonalWellnessandResponsibility(POWER)accountthatissimilartoaHealthSavingsAccount(HSA).EligibleemployeeswhowouldliketoenrollinHIPLinkbutwhoalreadyhaveanexistingbalanceinanHSAcankeeptheHSAopenandcontinuetousethefundsavailabletopayforeligiblemedicalexpensesevenafterenrollinginHIPLink.However,toavoidpossibletaxpenalties,HIPLinkmemberscannotreceiveemployercontributionsoraddfundstotheirHSAwhileenrolledinHIPLink.
Activatingamembershipissimple!Visitour.humana.com/investinyourhealth/andfollowthesesteps:
1. Clickthegreen“signinorregister”buttonandthen“registernowasanewuser”link.
2. Click“GetStarted”button.3. UnderthegreenRegistration
heading,therearethreetabs.Choosethefarrighttabtitled“Allothermembers”.IfyoudonothaveyourHumanaIDcardyet,youcanenteryourbirthdateandsocialsecuritynumber
HIP Link POWER Account HSA
$4,000permemberannuallyavailabletocoveraportionofpremiumcostandmedicalexpenses.
$599-$2500contributedbytheStatetouseforeligiblemedicalexpenses.
KeepexistingaccountandbalanceinanHSAifalreadyopenedthatcanbeusedforeligiblemedicalexpenses.
Usebalancetopayforeligiblemedicalexpenses.
Unusedcontributionsmayhelpreducecostsinnextyear’senrollment.
Unuseddollarsremainintheaccountandareyourstouseforqualifiedexpensesevenafteremploymentends.
P P
P P
P P
HumanaVitality,anincentivebasedwellnessprogram,empowerspeoplewiththetoolsnecessarytoreachtheiroptimalhealth.Byparticipatinginhealth-relatedactivitiesthatcanbetrackedandmeasured,suchastakingwellnessclasses,exercisingandgettingregularmedicalcheck-upsandscreenings,membersearnVitalityPointswhichareusedtodeterminetheirVitalityStatus.MembersearnaVitalityBuckforeveryVitalityPointearned,whichtheycanredeemforproducts,servicesanddiscountswithHumanaVitality’spreferredpartners.HumanaVitalityisavailabletoemployees(andtheircovereddependents)enrolledinamedicalplanofferedthroughtheStatePersonnelDepartment.
ThefollowingtableprovidesabriefsummaryoftheHIPLinkPOWERAccountascomparedtotheState’sHSA:
ToenrollinHIPLink,simplycall1-800-403-0864.Forquestionsabouttheprogramorthismessage,contactSaraHallat317-234-8030.IfyouarenotcurrentlyenrolledinamedicalplanprovidedbySPD,butqualifyforHIPLink,youmayenrollincoverageduringtheopenenrollmentperiodfor
coverageeffectiveJanuary1,2016.IfyouwouldlikemoreinformationaboutHIPLink,gotowww.in.gov/fssa/hip/2489.htm.Youmayalsocall1-877-GET-HIP-9tolearnmoreaboutyouroptionsandreceivecounselingtohelpyoudeterminewhathealthcoverageoptionisbestforyou.
tofinishtheregistration.• Dependents/Spouses:have
themcreateanaccountaswell!TheywillhaveadifferentHumanaIDnumberthantheplanholder.IftheydonotknowtheirHumanaID,youcanusetheirbirthdateandsocialsecuritynumberinstead.
4. YoucanalsosetupyouraccountbydownloadingtheHumanaVitalitymobileappfromyourmobiledeviceappstore.
Start now! Sign up for HumanaVitality today
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “especial Enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).
If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2015. Contact your State for more information on eligibility –
ALABAMA – Medicaid GEORGIA – Medicaid
Website: www.myalhipp.com
Phone: 1-855-692-5447
Website: http://dch.georgia.gov/
- Click on Programs, then Medicaid, then Health Insurance Premium Payment (HIPP)
Phone: 404-656-4507
ALASKA – Medicaid INDIANA – Medicaid
Website: http://health.hss.state.ak.us/dpa/programs/medicaid/
Phone (Outside of Anchorage): 1-888-318-8890
Phone (Anchorage): 907-269-6529
Website: http://www.in.gov/fssa
Phone: 1-800-889-9949
COLORADO – Medicaid IOWA – Medicaid
Medicaid Website: http://www.colorado.gov/hcpf
Medicaid Customer Contact Center: 1-800-221-3943
Website: www.dhs.state.ia.us/hipp/
Phone: 1-888-346-9562
FLORIDA – Medicaid KANSAS – Medicaid
Website: https://www.flmedicaidtplrecovery.com/
Phone: 1-877-357-3268
Website: http://www.kdheks.gov/hcf/
Phone: 1-800-792-4884
KENTUCKY – Medicaid NEW HAMPSHIRE – Medicaid
Website: http://chfs.ky.gov/dms/default.htm
Phone: 1-800-635-2570
Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf
Phone: 603-271-5218
LOUISIANA – Medicaid NEW JERSEY – Medicaid and CHIP
Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331
Phone: 1-888-695-2447
Medicaid Website: http://www.state.nj.us/humanservices/
dmahs/clients/medicaid/
Medicaid Phone: 609-631-2392
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710
MAINE – Medicaid NEW YORK – Medicaid
Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html
Phone: 1-800-977-6740
TTY 1-800-977-6741
Website: http://www.nyhealth.gov/health_care/medicaid/
Phone: 1-800-541-2831
MASSACHUSETTS – Medicaid and CHIP NORTH CAROLINA – Medicaid
Website: http://www.mass.gov/MassHealth
Phone: 1-800-462-1120
Website: http://www.ncdhhs.gov/dma
Phone: 919-855-4100
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
Website: http://health.hss.state.ak.us/dpa/programs/medicaid/
Phone (Outside of Anchorage): 1-888-318-8890
Phone (Anchorage): 907-269-6529
Website: http://www.in.gov/fssa
Phone: 1-800-889-9949
COLORADO – Medicaid IOWA – Medicaid
Medicaid Website: http://www.colorado.gov/hcpf
Medicaid Customer Contact Center: 1-800-221-3943
Website: www.dhs.state.ia.us/hipp/
Phone: 1-888-346-9562
FLORIDA – Medicaid KANSAS – Medicaid
Website: https://www.flmedicaidtplrecovery.com/
Phone: 1-877-357-3268
Website: http://www.kdheks.gov/hcf/
Phone: 1-800-792-4884
KENTUCKY – Medicaid NEW HAMPSHIRE – Medicaid
Website: http://chfs.ky.gov/dms/default.htm
Phone: 1-800-635-2570
Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf
Phone: 603-271-5218
LOUISIANA – Medicaid NEW JERSEY – Medicaid and CHIP
Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331
Phone: 1-888-695-2447
Medicaid Website: http://www.state.nj.us/humanservices/
dmahs/clients/medicaid/
Medicaid Phone: 609-631-2392
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710
MAINE – Medicaid NEW YORK – Medicaid
Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html
Phone: 1-800-977-6740
TTY 1-800-977-6741
Website: http://www.nyhealth.gov/health_care/medicaid/
Phone: 1-800-541-2831
MASSACHUSETTS – Medicaid and CHIP NORTH CAROLINA – Medicaid
Website: http://www.mass.gov/MassHealth
Phone: 1-800-462-1120
Website: http://www.ncdhhs.gov/dma
Phone: 919-855-4100
MINNESOTA – Medicaid NORTH DAKOTA – Medicaid
Website: http://www.dhs.state.mn.us/id_006254
Click on Health Care, then Medical Assistance
Phone: 1-800-657-3739
Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/
Phone: 1-800-755-2604
MISSOURI – Medicaid OKLAHOMA – Medicaid and CHIP
Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm
Phone: 573-751-2005
Website: http://www.insureoklahoma.org
Phone: 1-888-365-3742
MONTANA – Medicaid OREGON – Medicaid
Website: http://medicaid.mt.gov/member
Phone: 1-800-694-3084
Website: http://www.oregonhealthykids.gov
http://www.hijossaludablesoregon.gov Phone: 1-800-699-9075
NEBRASKA – Medicaid PENNSYLVANIA – Medicaid
Website: www.ACCESSNebraska.ne.gov
Phone: 1-855-632-7633
Website: http://www.dhs.state.pa.us/hipp
Phone: 1-800-692-7462
NEVADA – Medicaid RHODE ISLAND – Medicaid
Medicaid Website: http://dwss.nv.gov/
Medicaid Phone: 1-800-992-0900
Website: http://www.eohhs.ri.gov/
Phone: 401-462-5300
SOUTH CAROLINA – Medicaid VIRGINIA – Medicaid and CHIP
Website: http://www.scdhhs.gov
Phone: 1-888-549-0820
Medicaid Website: http://www.coverva.org/programs_premium_assistance.cfm
Medicaid Phone: 1-800-432-5924
CHIP Website: http://www.coverva.org/programs_premium_assistance.cfm
CHIP Phone: 1-855-242-8282
SOUTH DAKOTA - Medicaid WASHINGTON – Medicaid
Website: http://dss.sd.gov
Phone: 1-888-828-0059
Website: http://www.hca.wa.gov/medicaid/premiumpymt/pages/ index.aspx
Phone: 1-800-562-3022 ext. 15473
TEXAS – Medicaid WEST VIRGINIA – Medicaid
Website: http://gethipptexas.com/
Phone: 1-800-440-0493
Website: http://www.dhhr.wv.gov/bms/Medicaid%20Expansion/Pages/default.aspx
Phone: 1-877-598-5820, HMS Third Party Liability
UTAH – Medicaid and CHIP WISCONSIN – Medicaid and CHIP
Website:
Medicaid: http://health.utah.gov/medicaid
CHIP: http://health.utah.gov/chip
Phone: 1-866-435-7414
Website:
https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm
Phone: 1-800-362-3002
VERMONT– Medicaid WYOMING – Medicaid
Website: http://www.greenmountaincare.org/
Phone: 1-800-250-8427
Website: https://wyequalitycare.acs-inc.com/
Phone: 307-777-7531
To see if any other states have added a premium assistance program since July 31, 2015, or for more information on special enrollment rights, contact either:
U.S. Department of Labor U.S. Department of Health and Human Services
Employee Benefits Security Administration Centers for Medicare & Medicaid Services
www.dol.gov/ebsa www.cms.hhs.gov
1-866-444-EBSA (3272) 1-877-267-2323, Menu Option 4, Ext. 61565
OMB Control Number 1210-0137 (expires 10/31/2016)
U.S. Department of Labor1-866-487-2365
U.S. Department of Justice
YOUR RIGHTS UNDER USERRA THE UNIFORMED SERVICES EMPLOYMENT
AND REEMPLOYMENT RIGHTS ACT
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Publication Date—October 2008
REEMPLOYMENT RIGHTS
You have the right to be reemployed in your civilian job if you leave thatjob to perform service in the uniformed service and:
� you ensure that your employer receives advance written or verbalnotice of your service;
� you have five years or less of cumulative service in the uniformedservices while with that particular employer;
� you return to work or apply for reemployment in a timely mannerafter conclusion of service; and
� you have not been separated from service with a disqualifyingdischarge or under other than honorable conditions.
If you are eligible to be reemployed, you must be restored to the job andbenefits you would have attained if you had not been absent due tomilitary service or, in some cases, a comparable job.
RIGHT TO BE FREE FROM DISCRIMINATION AND RETALIATION
If you:
� are a past or present member of the uniformed service; � have applied for membership in the uniformed service; or� are obligated to serve in the uniformed service;
then an employer may not deny you:
� initial employment;� reemployment;� retention in employment; � promotion; or � any benefit of employment
because of this status.
In addition, an employer may not retaliate against anyone assisting inthe enforcement of USERRA rights, including testifying or making astatement in connection with a proceeding under USERRA, even if thatperson has no service connection.
HEALTH INSURANCE PROTECTION
� If you leave your job to perform military service, you have the rightto elect to continue your existing employer-based health plancoverage for you and your dependents for up to 24 months while inthe military.
� Even if you don't elect to continue coverage during your militaryservice, you have the right to be reinstated in your employer'shealth plan when you are reemployed, generally without any waitingperiods or exclusions (e.g., pre-existing condition exclusions) exceptfor service-connected illnesses or injuries.
ENFORCEMENT
� The U.S. Department of Labor, Veterans Employment and TrainingService (VETS) is authorized to investigate and resolve complaintsof USERRA violations.
� For assistance in filing a complaint, or for any other information onUSERRA, contact VETS at 1-866-4-USA-DOL or visit its website athttp://www.dol.gov/vets. An interactive online USERRA Advisor canbe viewed at http://www.dol.gov/elaws/userra.htm.
� If you file a complaint with VETS and VETS is unable to resolve it,you may request that your case be referred to the Department of Justice or the Office of Special Counsel, as applicable, forrepresentation.
� You may also bypass the VETS process and bring a civil actionagainst an employer for violations of USERRA.
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1-800-336-4590
The rights listed here may vary depending on the circumstances. The text of this notice was prepared by VETS, and may be viewed on the internet at this address: http://www.dol.gov/vets/programs/userra/poster.htm. Federal law requires employers to notify employees of their rights under USERRA,and employers may meet this requirement by displaying the text of this notice where they customarily place notices for employees.
Office of Special Counsel
USERRA protects the job rights of individuals who voluntarily or involuntarily leave employment positions to undertake military service or certain types of service in the National Disaster Medical System. USERRA also prohibits employers
from discriminating against past and present members of the uniformed services, and applicants to the uniformed services.