it’s about choice, it’s about value, it’s about you!hr.fhda.edu/_downloads/2018 oe newsletter...
TRANSCRIPT
It’s About Choice, It’s About Value, It’s About You!
Welcome to Benefits Open Enrollment for 2019
Monday, September 10, 2018 through Friday, October 5, 2018
For Full-time and Reduced Contract Employees
Open Enrollment is your once-a-year opportunity to learn your benefits options and to make additions, changes or deletions to your benefit elections including health, dental, vision, life insurance, flexible spending accounts, commuter benefits, and buy-up long-term disability insurance. Any elections made during Open Enrollment are effective and irrevocable as of January 1, 2019 and will stay in effect until December 31, 2019 (unless you have a qualified change in status and make a timely corresponding change).
Passive Open Enrollment – To retain the same benefits coverage for Plan Year 2019, you do not need to do anything. If no changes are made during the Open Enrollment period, we will carry forward your 2018 elections, except for Flexible Spending Accounts (FSA). To participate in the FSA program, you must enroll/re-enroll during the open enrollment period.
The FHDA partners with the California Public Employees’ Retirement System (CalPERS) to provide your health and retirement benefits. Please check the information packet mailed by CalPERS for full details on health plans.
For comprehensive, up-to-date information regarding Open Enrollment for PY 2019, and carriers contact list, visit: http://hr.fhda.edu/benefits/a_Open%20Enrollment%20For%20Plan%20Year%202019.html
For Important Notices, please access: http://hr.fhda.edu/_downloads/Important%20Health%20Plan%20Notice%20Packet%202019.pdf
For online enrollment instructions to add, delete, or change medical plans, and how to retrieve your password for online enrollment, please access: http://hr.fhda.edu/_downloads/2018%20OE%20how%20to%20enroll_PY%202019.pdf
Important Reminder: when adding new dependents online, you must submit ALL required documentation such as Marriage Certificate, Birth Certificate or Passport, and Social Security Cards, for all dependents, to the District HR/Benefits Unit no later than 5pm, Friday, October 5, 2018 in order for benefits to be activated effective January 1, 2019. No exceptions.
Phone: 650-949-6224 Fax: 650-949-6299
Email: [email protected]
WHAT’S NEW?
2019 Benefit Rates – employees’ monthly contributions remained the same 2019 Medical FSA – maximum annual limit increases to $2,650 annually effective January 1, 2019. 2019 FSA Commuter Benefits – maximum tax-free monthly pass transit and parking amounts increase to $260. The new
Commuter Express program allows participants to purchase the transit passes with just pre-tax dollars. Monthly payroll deduction is based on your preauthorized amount. The program does not offer excess amount purchase with after-tax-basis.
2019 HMO Health Plan Service Area Changes: o Blue Shield Access+: Exiting counties of Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara,
Solano and Sonoma; Existing members will be defaulted to HealthNet SmartCare HMO o HealthNet SmartCare: Exiting Sacramento Region including counties of El Dorado, Placar, Sacramento, and Yolo;
default varies depending on your zip code o UnitedHealthcare Alliance (Basic Plan only): Exiting all counties in Bay Area and Other Northern CA Regions;
Existing members will be defaulted to Anthem Traditional HMO. PPO Benefits Changes in 2019
o PERS Choice and PERSCare Basic co-pays for urgent care and specialty visits will increase to $35. The co-pay to visit your primary care physician (PCP) remains at $20
PERS Select Basic PPO Plan has adopted Value-Based Insurance Design (VBID): o The new PERS Select Plan will change co-pays for primary care, specialists, and urgent care; award credits to
reduce your annual deductible; eliminate hospital tiering, so you can access any hospital in your network at one coinsurance rate; eliminate coinsurance for inpatient delivery, after enrollment in Healthy Moms program.
o PERS Select VBID offers the following:
Available in all 58 California counties
Anthem will assign a primary care physician (PCP) to each insured to coordinate your care
Increase calendar year deductible
$1,000 for individual
$2,000 for family
Earn $100 credit/individual towards deductible if you get 1) Biometric screening (tested at your doctor or at Quest Lab) 2) Flu shot 3) Non-smoking certificate 4) Second opinion for elective surgeries by calling 888-361-3944 5) ConditionCare certification for engaging with a nurse manager for disease management if you
have asthma, diabetes, COPD, or heart conditions
Office Visits reduced to $10 with primary care physician (PCP)
Urgent Care copay increase $20 to $35
Specialist Visit copay increase $20 to $35
Hospital Coinsurance decrease 30% to 20%
Inpatient Maternity delivery coinsurance waived when using Healthy Moms program SpineZone, an online back and neck pain program, and Wisdom, a study to optimize breast cancer screening, will be
available for all PPO members. c
Other Voluntary Benefits Products Available During Open Enrollment:
o MetLife: Critical Illness, Accident and Legal Insurance – available online via iElect.com o Hartford Supplemental Life and Buy-Up LTD – available online via iElect.com o Healthy Paws Pet Insurance - available at group discount, and premium is direct bill by carrier. For quote, you may
apply online at: https://www.healthypawspetinsurance.com/. For details, please contact customer service at 1-855-898-8991.
REMINDER: Designation of Emergency Contact and Beneficiary is now possible via Secova Online enrollment
A beneficiary is a person or legal entity that is entitled to receive the proceeds from an estate, trust, retirement account, life insurance policy, or transfer on death accounts. A beneficiary can be one or more individuals or organizations, such as a tru st or charity. You can designate two types of beneficiaries:
o Primary beneficiaries are first in line to receive the designated asset upon your death. o Secondary (or contingent) beneficiaries receive the asset if there are no surviving primary beneficiaries upon
your death.
IMPORTANT: Before going online to select your beneficiary, make sure you have your beneficiary’s Social Security number (SSN), date of birth, and mailing address.
Importance of Beneficiary Designations
o If you wish to name someone other than your spouse or domestic partner as beneficiary, if you have special estate planning needs, or if you wish to assign ownership of your life insurance to another person, seek legal and tax advice before completing your beneficiary designation.
o If your beneficiary is a minor (under age 18), you may wish to consult with a legal advisor to ensure you understand how to best protect the rights of your minor beneficiary.
Please note that employee death benefits are paid to the most recent beneficiary designation on file with the Benefits Office. Past paper enrollment records still retained until the information is fully populated by the employees and/or Benefits staff at a later date.
For Open Enrollment checklist and key dates, please visit: http://hr.fhda.edu/_downloads/2018%20Benefits%20Open%20Enrollment%20Check%20List%20and%20Key%20Dates%20for%20PY%202019.pdf
DEADLINE: Friday, October 5, 2018, 5pm
2019 Employee Monthly Contribution Rates
CalPERS PLANS* Per Month Contribution
PERSCare PPO
Single $480.00
2 Party $960.00
Family $1,440.00
PERS Choice PPO
Single $152.00
2 Party $304.00
Family $456.00
PERS Select PPO
Single $89.00
2 Party $178.00
Family $267.00
Anthem Select HMO
Single $81.00
2 Party $162.00
Family $243.00
Anthem Traditional HMO
Single $214.00
2 Party $428.00
Family $642.00
KAISER HMO
Single $108.00
2 Party $216.00
Family $324.00
HealthNet SmartCare HMO
Single $167.00
2 Party $334.00
Family $501.00
Western Health Advantage HMO
Single $108.00
2 Party $216.00
Family $324.00
*Includes Dental and Vision NOTE: Check Plan availability for your geographic area
Benefits Fair for the 2019 Plan Year EVENT DATE TIME LOCATION
Benefits Fair Open to All Benefits-eligible Active Eligible Employees,
Eligible PT Faculty, Retirees, Survivors and COBRA Enrollees
(Vendors and Benefits staff available for assistance and Q & A)
Friday September 21, 2018
11:30 a.m. – 2 p.m.
De Anza College, Campus Center,
Conference Rooms A & B
Come and Learn: Supplemental Life Insurance, Buy-up Long-term Disability (LTD), FSAs, Commuter
Benefits, and 403b & 457 retirement planning
Refreshments are available at the event
Raffles, and giveaways are limited to first come, first serve
Need Assistance?
Attend an iElect Online Enrollment Assistance Sessions for HANDS-ON enrollment help! The benefits department will walk you step-by-step through the enrollment process, and offer computers with online access for enrollment purposes.
iElect Online Enrollment Assistance Sessions Reserved for Actives Only,
exclude Retirees DE ANZA COLLEGE TIME
Tuesday, September 25, 2018
12:00pm – 2:00pm
Wednesday, September 26,2018
12:00pm – 2:00pm
Thursday, September 27, 2018
12:00pm – 2:00pm
Reserved for Actives Only, exclude Retirees
FOOTHILL COLLEGE TIME
Tuesday, October 2, 2018
District Benefits Office Trailer 5991
12:00pm – 2:00pm
Wednesday, October 3, 2018
District Benefits Office Trailer 5991
12:00pm – 2:00pm
Media & Learning Center,
Staff Development Room 243
Media & Learning Center,
Staff Development Room 243
Media & Learning Center,
Staff Development Room 243
Open Enrollment Period September 10 – October 5, 2018 (5 p.m.)
Meet the Deadline!