2019-20 Open Enrollment June 1-21, 2019 Benefits Odyssey - - PowerPoint PPT Presentation

Human Resources

Employee Benefits and Services

www.SBCounty.gov

2019-20 Open Enrollment

June 1-21, 2019

Benefits Odyssey

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 Benefit Enhancements/Changes – What’s New  2019-20 Medical and Dental Bi-weekly Premium Rates  2019-20 Benefits Calculator  Supplemental Life Insurance for Dependents (changes)  FSA Rollover (up to $500 may roll to next year)  Commuter Services Program Update  My Health Matters!  EMACS Self-Service

Benefit Topics

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New Lower Premium Cost Medical Plan Options Available

The County is excited to introduce two new lower premium cost medical plan options being offered alongside our existing plans. Employees now have the option of selecting:  Blue Shield Access+ HMO  Kaiser Choice HMO

What’s New for Benefit Plan Year 2019-20

Additional Providers Available on the Blue Shield Network:

Pending secured contracts, the following providers will be available under Blue Shield effective July 1st:

 Loma Linda University Medical Center -

available on all Blue Shield plans

 Arrowhead Regional Medical Center

(ARMC) - available on the Blue Shield PPO and Signature HMO Tier II service

New Plans Feature:

 Lower bi-weekly premiums  Free preventative screenings (i.e. annual physical)  Free Well Woman and Well Baby exams  Free telemedicine  $0 Calendar Year Deductible  Most routine copays are $40-$50  Most prescriptions range from $5 to $35

• Specialty prescriptions are 20-30% up to a maximum of $200 each

 Higher out-of-pocket annual maximums:

$3,500 each member / $7,000 family maximum

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 Supplemental Life Insurance for Dependents

• For this Open Enrollment only, eligible employees may

enroll their spouse/domestic partner in supplemental life with a $50,000 guaranteed issue amount without being subject to Evidence of Insurability (EOI) requirements.

• If existing enrollees increase spouse/domestic partner

coverage over $10,000 EOI is required.

 Flexible Spending Account (FSA)

• The Flexible Spending Account (FSA) annual maximum

has increased to $2,700.

• You must re-enroll each plan year to participate and this

includes when you have a balance to rollover. The maximum amount to rollover is $500.

• FSA is a great way to save money by paying for certain

medical care expenses with pre-tax dollars. The FSA plan is convenient and easy to use.

What’s New for Benefit Plan Year 2019-20

 Modified Benefit Option (MBO)

• New Classifications have been
• added. For more information visit

the MBO web page at http://cms.sbcounty.gov/hr/Benefits/ BenefitCampaigns/OpenEnrollment/ ModifiedBenefitOption.aspx

 New Employee Rideshare Website:

SBtrip (www.sbcounty.gov/sbtrip)

• The County’s Employee Rideshare

Program has launched a new ride- matching and rewards website,

• SBtrip. SBtrip stands for San

Bernardino Traffic Reduction Incentive Program.

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 Review your benefit options

• Employee Benefits Guide

 Open enrollment website – www.sbcounty.gov/benefits

• Summary of Benefits and Coverage (SBC)

 Select the plans that best suit your needs

• Including medical, dental, and life insurance

 Enroll in the Flexible Spending Account (FSA)

• Enrollment is optional and not required

 Review and update beneficiaries/emergency contacts as needed

Things to Do

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 Medical / Dental plans  Flexible Spending Account (FSA)  Add / remove dependents  Enrollment or disenrollment in the Modified Benefit Option (MBO)  Before-tax or after-tax premium deductions  Supplemental Life / Accidental Death & Dismemberment (AD&D)

Insurance Coverage

 Beneficiary Updates

• Life Insurance, Retirement and Salary Savings Accounts
• Last Warrant – submit completed paper form to your department payroll specialist

What Can Be Changed During Open Enrollment (OE)?

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 Premium rates will be effective July 6, 2019 and will appear on the July 31, 2019 pay warrant.  Coverage is effective July 20, 2019. 2019-20 Bi-Weekly Medical Premium Rates

Plan Kaiser Traditional HMO Kaiser Choice HMO Blue Shield Signature HMO Blue Shield Access + HMO Blue Shield PPO Blue Shield PPO Needles

Employee Only $298.85 $259.54 $259.42 $225.40 $481.68 $543.61 Employee + 1 $595.69 $517.07 $516.84 $448.81 $979.58 $1,105.20 Employee + 2 $842.05 $730.82 $760.51 $634.24 $1,519.33 $1,711.42

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How do the New Plans Compare?

HMO Plan General Service Fees

Service Blue Shield Signature HMO

(Tier 1)

Blue Shield Access + HMO Kaiser Traditional HMO Kaiser Choice HMO Office Visits $10 $40 $10 $40 Specialist Visits $10 $40 - $50 $10 $50 Outpatient Mental Health Services $10 $40 $10 $40 Annual Physical (Inc. Well Woman, Baby, Child exams) No charge No charge No charge No Charge Maternity Care No charge No Charge No charge No Charge Urgent Care $10 $40 $10 $40 Emergency Room $50 $50 $50 $150 Hospital Care No charge $100 per admission +20% No charge $500 per day Annual Out of Pocket Maximum $1,500 per member $3,000 family $3,500 per member $7,000 family $1,500 per member $3,000 family $3,500 per member $7,000 family

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Bi-Weekly Premium Rate Example

Important Note: Plans are subject to an out of pocket maximum. Employees should refer to the Plan Summaries section of the benefits guide for more details to consider when making a decision based on their specific situation.

Blue Shield Access + HMO $ 225.40 Bi-weekly premium

• 198.82 Medical Premium Subsidy

$ 26.58 Bi-weekly out-of-pocket cost Blue Shield Signature HMO $ 259.42 Bi-weekly premium

• 198.82 Medical Premium Subsidy

$ 60.60 Bi-weekly out-of-pocket cost

Example: Jane is an Office Assistant III electing Employee only coverage and wants to select one of the Blue Shield HMO plans. Aside from the occasional cold, she is fairly healthy and typically goes to the doctor for her annual physical and well woman exam.

Blue Shield Access + HMO Signature HMO Physical Exam $0 $0 Doctors Office Visit $40 $10 Prescription $25 $10 Well Woman Exam $0 $0 Total Copays $65 $20 Annual Premiums $691.08 $1,575.60 Annual Cost $756.08 $1,595.60

Jane will save $839.52 annually by selecting the Access + HMO!

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Bi-Weekly Premium Rate Example

Important Note: Plans are subject to an out of pocket maximum. Employees should refer to the Plan Summaries section of the benefits guide for more details to consider when making a decision based on their specific situation.

Kaiser Choice HMO $ 730.82 Bi-weekly premium

• 503.41 Medical Premium Subsidy

$ 227.41 Bi-weekly out-of-pocket cost Kaiser Traditional HMO $ 842.05 Bi-weekly premium

• 503.41 Medical Premium Subsidy

$ 338.64 Bi-weekly out-of-pocket cost

Example: Chris is a District Attorney IV electing family coverage (Employee + 2 or more) and wants to select one of the Kaiser HMO plans. Aside from his children getting occasional ear infections or fevers, they are a fairly healthy family and typically go to the doctor just for their preventative screenings including annual physicals, well child, and well woman exams.

Kaiser Choice HMO Traditional HMO Physical Exams $0 $0 Office/Urgent Care Visits $200 (5 @ $40 each) $50 (5 @ $10 each) Prescriptions $185 (3 @ $15 + 4 @ $35) $90 (3 @ $10 + 4 @ $15) Well Child/Woman Exams $0 $0 Total Copays $385 $140 Annual Premiums $5,912.66 $8,804.64 Annual Cost $6,297.66 $8,944.64

Chris will save $2,646.98 annually by selecting the Kaiser Choice HMO!

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 Premium rates will be effective July 6, 2019 and will appear on the July 31, 2019 pay warrant.  Coverage is effective July 20, 2019. 2019-20 Bi-Weekly Dental Premium Rates

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

Provides an estimate of per pay period out of pocket benefit cost



Currently available with 2019-20 premiums

• http://cms.sbcounty.gov/hr/calculator



Updated with Modified Benefit Option (MBO)



Allows for comparison of benefit options to see what best fits employees’ financial situation Benefits Calculator

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 Changes to Spouse/domestic partner coverage:

• New enrollees: $50,000 guaranteed issue on– this OE only
• Existing enrollees can increase coverage by $10,000 without Evidence of Insurability

(EOI)

Supplemental Life Insurance for Dependents  Reminders:

• Premium of spouse/domestic partner coverage depends on employee’s age and

amount of coverage selected

• Single, fixed rate covers all children in $5,000 increments, up to $20,000. All amounts

are guaranteed/no EOI required.

• No dual coverage: Dependent(s) not eligible if covered by another County employee
• Spouse/domestic partner: $10,000 increment, capped at employee’s total combined

basic and supplemental life and not to exceed $250,000, subject to EOI.

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 New limits announced!! Maximum annual

contribution is increasing from $2,650 to $2,700

• Equates to $103.84 contribution per pay period

 Roll-over up to $500

• Must enroll in the following plan year to qualify for rollover benefit

 Enrollment is required each year; elections made in the previous year do not

continue into the new plan year

 Election is irrevocable, unless you experience a qualifying life event

Flexible Spending Account (FSA)

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Commuter Services  Helping employees find alternatives to driving alone to decrease air pollution and traffic congestion

 Find your smart commute or rideshare partner and log your trips to qualify for rewards at www.sbcounty.gov/sbtrip  Guaranteed Ride Home Program  Fleet Hybrid Carpool, Vanpool*, and Mass Transit* Program Subsidies

*Fees deducted pre-tax (up to $265 per month) directly from your paycheck

 Visit www.sbcounty.gov/rideshare for more information  Contact Commuter Services at (909) 387-9639 or (909) 387-9640 or email hrcommuterservices@sbcounty.gov

• Free sign-up gift
• $4/day start-up

incentive

• Monthly challenges

and raffles

• Quarterly gift cards
• Points Store

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 The County of San Bernardino Human Resources Department has partnered

with PerkSpot to bring employees an Employee Discount Program!

 Employees can register at https://sbcounty.perkspot.com to access hundreds

• f exclusive discounts and savings with national and local merchants

 Employees can access savings perks at home, on-the-go, and while

traveling with any device

 Don’t miss out on the San Bernardino County ‘Exclusive’ Discounts!  Can’t find the perk that you are looking for, or have a suggestion for a

discount?

• Simply fill out the “Suggest a Merchant” form on the PerkSpot webpage at

https://sbcounty.perkspot.com/suggest, so that PerkSpot can contact that merchant and allow you and others to receive a discount from them.

Employee Discount Program

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

Stay tuned for details on the 2019-20 Wellness Campaign that begins in the fall!



Discounted gym memberships are also available through Blue Shield, Kaiser Permanente, 24 Hour Fitness, and at www.sbcounty.perkspot.com.



Visit the My Health Matters! web page for detailed information on Health Club Memberships

• E-mail: mhm@hr.sbcounty.gov
• http://cms.sbcounty.gov/hr/Benefits/WellnessProgram.aspx

My Health Matters!

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 Available June 1 - 21, 2019  All benefit changes must be completed online using EMACS self-service instructions on

page 16 of the Benefits Guide

 Submit final elections by 11:59 pm on Friday, June 21  New enrollees to Blue Shield Signature or Access+ HMO as well as Delta Dental DHMO

must select a group and provider or one will be selected for them by the carrier

• If you are switching from Blue Shield Signature to Access+ HMO, you must enter a Group #

 If you are a current enrollee in Blue Shield Signature HMO and only want to change your

doctor, contact Blue Shield directly – do not submit your doctor change through EMACS self-service

 Print confirmation page  Elections that are saved, but have not been submitted will not be processed

EMACS Self-Service

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Dependent Enrollment/Eligibility

 Enrollment changes made during OE are effective

July 20, 2019

 Ex-spouses are not eligible for County-sponsored

coverage, even when coverage is required by court order

Adding Dependents in EMACS

 Click on ‘Add a Dependent or Beneficiary’ and

enter the required information

 Click ‘Save’ and then click ‘OK’  Click ‘Return to Dependent/Beneficiary Summary’

to go back to the summary page

 Be sure to enter a social security number for each

dependent

EMACS Self-Service Removing Dependents in EMACS

 Review the listing of dependents and/or

beneficiaries

 Click on the dependent name to be

modified and then ‘Edit’

 Edit information as necessary, then click

‘Save’

 Click ‘OK’  Click to go back to the Dependent/

Beneficiary Summary page to review

 Dependents voluntarily removed during

OE are NOT eligible for COBRA coverage as this is not considered a COBRA qualifying event

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Dental Enrollment:  Employees selecting DeltaCare USA DHMO must specify the dentist provider  Member ID cards can be printed from the Delta Dental at www.deltadentalins.com Employees who are out on a leave and their benefits are waived to COBRA:  They should not submit anything through EMACS self-service  They will have the opportunity to make benefit elections through COBRA OE  Please contact Employee Benefits if there are any questions at ebsd@hr.sbcounty.gov

EMACS Self-Service

Employees Enrolling in MBO:  Employee should complete paper forms - both as a new hire and for Open Enrollment

• Ensures correct benefits are attached to the

program

• Schedule assignments have to be cleared

with Human Resources Officer

 Many new classifications have been added – review MBO page on Benefits website to see if you qualify

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 OE is a good time to review Beneficiary Designations & Emergency Contacts Beneficiary & Emergency Contact Updates

Consider updating Updates can be made via Emergency Contacts

• EMACS Self-Service
• Paper form submitted to department payroll

specialist Last Paycheck (warrant) Beneficiary Designation

• Paper form submitted to department payroll

specialist Life Insurance

• Implications for designating minor

children should be considered

• EMACS Self-Service
• Paper form submitted to Employee Benefits

SBCERA

• Paper form submitted to SBCERA

Voya Accounts

• Paper form submitted to Voya

Forms for updating each of these items are located on the EMACS Forms website: EMACS Forms>Employee Resources>Mid-Year Change-in-Status

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 If you experience a life event/mid-year change during the months of June/July, you will want to make sure that you submit BOTH a mid-year change and OE change  Enrollment changes made during OE remain in effect for the entire plan year  Mid-year changes are only permitted when you experience a qualifying life event Examples include:

• Marriage/Registered Domestic Partnership
• Death
• Birth/Adoption
• Refer to the Life Events Chart of the Benefits Guide (pgs. 14/15)

 Submit forms and documentation within 60 days of the event  Important Note: Newborns or children newly adopted or placed for adoption should be added to coverage via a mid-year change and not as an OE addition

Life Events/Mid-year Changes

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Dependent Documentation:  Proof of eligibility for all newly enrolled dependents must be submitted to Employee Benefits  A completed Disabled Dependent Certification is REQUIRED for dependents who are over the age of 26 and permanently disabled  Inform Employee Benefits of any difficulties obtaining documentation by or before the deadline

Documentation Deadline – Friday, July 5, 2019

Opt-Out / Waive:  Employees who have other employer- sponsored coverage or are covered under a County spouse or registered domestic partner, may opt-out or waive County-sponsored coverage  New opt-outs/waives must use EMACS self-service to certify election  Verification of other coverage must include the effective date

All documentation must be submitted by Friday, July 5, 2019  Include name, employee ID#, and “OE 2019” on all pages

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 OE is June 1 - 21, 2019  MPS changes vary depending on bargaining unit – Most take effect on July 20, 2019  New plan year starts July 20, 2019  Supporting documentation is due to Employee Benefits by 5:00 pm, Friday, July 5, 2019  Confirmation of 2019-20 benefit elections

• Available in EMACS self-service beginning July 8, 2019

 Changes on paycheck statement

• Effective June 22, 2019, your SBCERA contribution rate will be changed
• Tier 1 General and Safety Members, please refer to benefits guide for new rate information
• Tier 2 rates decreased to 9.10% for General Members and 16.19% for Safety Members
• Wednesday, July 31 for medical/dental premiums
• Wednesday, August 14 for FSA and refundable/nonrefundable retirement benefits

Important Dates and Deadlines

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Employee Benefits

 Phone: (909) 387-5787  E-mail: ebsd@hr.sbcounty.gov  Plan carrier and other benefit related contact information is on pg. 6 of the Benefits Guide

Employee Benefits Websites

 www.sbcounty.gov/Benefits

Benefits Calculator

 http://cms.sbcounty.gov/hr/calculator

Contact Information/Resources We will be posting important Open Enrollment information

• n Social Media!

Follow us @SBCountyCareers