2020 Open Enrollment Information for Intranet Presented by: Beth - - PowerPoint PPT Presentation

2020 Open Enrollment Information for Intranet

Presented by: Beth Findlay Beth.Findlay@dnr.ga.gov

Important Notice

• The

information provided in this presentation is a summary of changes for the 2020 Plan Year. It is intended

• nly to highlight principal benefits.
• Please refer to the Active Employee

Decision Guide or You Decide Booklet for more details.

Open Enrollment

October 21, 2019 - November 8, 2019

During Open Enrollment, eligible active employees may:

• Enroll in Benefit Coverage
• Change Plan Option and/or Vendor
• Enroll eligible dependents
• Drop covered dependents
• Decrease or increase coverage tier
• Discontinue benefit plan option(s)

• You may make your health election at

www.mySHBPga.adp.com

• You cannot elect coverage with your

mobile devices (smartphones, iPads, etc.).

• You may make your flexible benefit

elections at www.GaBreeze.ga.gov

• By

calling the GaBreeze Benefits Center 1-877-342-7339 Monday – Friday, 8:00 am – 5:00 pm ET. (excluding holidays).

Online Enrollment for Plan Year 2020

User IDs and Passwords

• Check User ID and passwords of both

SHBP and GaBreeze Websites.

• Review

and/or update email addresses to ensure a faster response in case of needing password resets.

• Review,

designate and/or update beneficiaries during Open Enrollment, especially for qualifying events.

Confirmation Information

• Employees will receive a confirmation page

upon successfully completing their Open Enrollment elections.

• PRINT AND KEEP A COPY OF CONFIRMATION.
• Additional changes are permitted online

during the Open Enrollment period. The last change made by November 8, 2019 will lock in the benefits election made for PY2020.

What happens if no changes need to be made?

• Employees who do not make an

election will be defaulted/rolled over to the same plan option previously selected for 2019.

• Employees not currently enrolled in

SHBP/Flex in 2019 will be defaulted to no coverage in 2020.

• Exception: Flexible Spending Accounts

do not roll over.

• Read and make sure to understand the information in the SHBP Active Employee

Decision Guide and Flexible Benefits You Decide Booklet.

• Review the 2020 Rates and Plan Options.
• Confirm that the SHBP Tobacco Surcharge question was answered appropriately.
• Check your payroll deduction to verify that the correct deduction amount has

been made. Health Insurance premiums are taken from the paycheck paid on the 15th of every month. Flexible benefit premiums are taken from the last paycheck

• f the month.
• Update any changes in contact information by going online to Employee Self

Service or by contacting the DNR Office of Human Resources.

• Notify SHBP/GaBreeze whenever you have a change in covered dependents

(within 31 days of a Qualifying Event).

Employee’s Responsibilities

• If employees make an election effective in PY 2019 as a New Hire (New Hire

Event) or declare a Qualifying Event resulting in a new election effective in Plan Year 2019 during the Open Enrollment window, the New Hire or Qualifying Event election will override the Open Enrollment election for Plan Year 2020.

• Unless: on the confirmation page after making the New Hire or Qualifying Event election, the

employee follows the automated prompt in the SHBP Enrollment Portal and makes a subsequent change to their Open Enrollment election for Plan Year 2020 (even if they previously made their Open Enrollment election prior to the New Hire or Qualifying Event.)

• If an employee’s hire date occurs after November 1, 2019, the employee will only receive an

Open Enrollment Window. A New Hire Window will not appear.

Employee’s Responsibilities

• Employees should submit their Dependent Verification documentation for

newly added dependents upon receipt of their Dependent Verification letter and no later than 45 days after enrolling their Dependent in SHBP coverage. Documents must be submitted directly to SHBP and GaBreeze.

• Dental
• Vision
• Employee Life
• Spouse Life
• Child Life
• Accidental Death &

Dismemberment (AD&D)

• Health Care Flexible Spending

Account (HCFSA)

• Dependent Care Flexible

Spending Account (DCFSA)

• Short-Term Disability (STD)
• Long-Term Disability (LTD)
• Long-Term Care (LTC)
• Employee Critical Illness
• Employee or Spouse Critical

Illness (Accident)

• Spouse Critical Illness
• Legal

2020 Flexible Benefits Plan Options

• Employee Life Insurance – MetLife's One-Up Campaign allows all eligible active

employees to enroll or increase their Employee Life coverage one level without completing a Statement of Health (SOH) form.

• Spouse Life Insurance – Spouse’s age will be used to calculate Spouse Life premiums

and any coverage reductions due to age.

• Vision Insurance – Anthem Blue View Vision rates will increase by 2.3%.
• 2020 Health Care Flexible Spending Account Limit will increase to $2,652.
• Dental Insurance
• Cigna DHMO network expands in the Metro-Atlanta Area.
• Delta Dental rates will increase by 5.99%.

2020 Flexible Benefits Enhancements and Changes

2020 Flexible Benefits Rate Changes

Flexible Spending Accounts (FSAs)

• Employees must re-enroll in the Health Care Flexible Spending Account (HCFSA)

and Dependent Care Flexible Spending Account (DCFSA) during Open Enrollment.

• If an employee has a current contribution for 2019, it will NOT automatically

rollover into the new plan year.

• Employees MUST make an election to continue contributions in the FSA Plans for

2020.

• http://myspendingaccount.wageworks.com is the 1st stop for research, employee

inquires and to check HCFSA and DCFSA balances.

• You must have a dependent under the age of 13 years old to be eligible for the

Dependent Care Flexible Spending Account.

• Once you enroll in a Flexible Spending Account, you may NOT cancel during the

plan year.

• There will still be a grace period to make claims.

2020 Flexible Benefits Information

Flexible Spending Accounts (FSAs) relation to the Health Saving Account (HSA)

• Employees who enroll in the High Deductible Health Plan AND enroll in a Health

Savings Account (HSA) will NOT be eligible to enroll in a Health Care Flexible Spending Account (HCFSA).

• If an employee does enroll in a HCFSA in error, it will be necessary for them to

contact the GaBreeze Call Center and request an Appeal Form to submit to the Georgia Department of Administrative Services (DOAS).

• The form will be received and reviewed by DOAS.
• GaBreeze will be notified of the final determination regarding the Spending Account.
• NO REFUNDS WILL BE GIVEN.

2020 Flexible Benefits Information

2020 Health Insurance Plan Options

Health Maintenance Organization (HMO)

• Anthem Blue Cross and Blue Shield
• United Healthcare
• Kaiser

Permanente (Metro Atlanta Service Area/In-Network only) Health Reimbursement Arrangement (HRA)

• Anthem Blue Cross and Blue Shield

High Deductible Health Plan (HDHP)

• UnitedHealthcare

No changes to copays, co-insurance or deductibles

• Dependents are Not Added to coverage until the Member provides verification of

their Dependent’s eligibility. (Exceptions: Birth, Adoption and Death

• f

Dependent)

• Dependents awaiting approval are placed in a PENDING status.
• The required documentation must be submitted within 45 days of the event

proving dependent(s) is eligible for coverage.

• Documentation must be submitted by employee.

SHBP will NOT accept documentation from OHR Benefits.

• Members and dependents are required to have a valid Social Security Number to

enroll in and continue coverage (includes children over nine months of age).

• If verification documentation is approved, the dependents will be added to the

member’s coverage as of the effective date per SHBP rules.

• If verification documentation is denied, the dependent will not be added.

Dependent Verification Services

Anthem and UnitedHealthcare

• All SHBP Members enrolled in Anthem and UnitedHealthcare plan options will receive new

Member ID cards before January 1, 2020.

• Newly added Dependents pending Dependent Verification review and approval after

December 15, 2019 will not receive new Member ID cards until after January 1, 2020.

Kaiser Permanente (KP)

• New Kaiser Permanente Members will receive new Member ID cards before January 1, 2020.
• Newly added Dependents pending Dependent Verification review and approval after

December 15, 2019 will not receive new Member ID cards until after January 1, 2020.

Due to mailing restrictions, members may receive cards at different times.

Member Identification Cards

Reminders

• SHBP will send two (2) letters to Active Members: 4 months and 2 months before the

member’s or member’s Spouse’s/Dependent's 65th birthday.

• The letter will request the person turning 65 to enroll in Medicare Part B and provide proof to

SHBP.

• NO additional notices will be sent before retirement.

Working

• If Member is working, Member (and their Spouse/Dependent) will retain the active

(subsidized) rate.

• The Member (and their Spouse/Dependent) may provide Medicare Part B information to

SHBP before their retirement.

Provide Medicare To SHBP

• Active Member Must Provide Medicare Part B for him/herself (and/or Spouse’s/Dependent’s)

to SHBP one month prior to Active Member’s 65th birthday and/or retirement date: Go to mySHBPga.adp.com or call SHBP Member Services at (800) 610-1863.

Active Employee and Medicare

Sharecare provides members who elect Anthem and UnitedHealthcare with well-being resources and incentive programs.

• Health actions must be completed, and all documentation received by Sharecare

between January 1, 2020 and November 30, 2020 in order to earn the well-being incentive points.

• Employees who elect Anthem and UnitedHealthcare will have access to a variety of

Sharecare tools, activities and services such as the RealAge Test, Wellness Incentives, Well-Being Coaching, Biometric Screenings and Onsite Activities.

• Members and their Covered Spouse can each earn 480 well-being Incentive Points

and choose to redeem in the Sharecare Redemption Center for either:

1. a $150 Visa Reward Card (when redeeming all 480 well-being incentive points earned in 2020) OR 2. 480 well-being incentive credits (to apply toward eligible medical or pharmacy expenses) OR 3. a $225 Walmart Gift Card (when redeeming all 480 well-being incentive points earned in 2020) to be used in Walmart stores for pharmacy prescriptions and vision items (restrictions apply).

2020 Wellness Incentives: Anthem and UnitedHealthcare

Beginning the first day of Open Enrollment, Monday, October 21, 2019, the New SHBP Member Services Email System will be available to members (and eligible employees) who have registered in the SHBP Enrollment Portal. The Email Service will continue to be available throughout the year. Hours of Operation

• Monday thru Friday, 8:00 am to 8:00 pm ET
• Saturday, 8:00 am to 5:00 pm ET

New – SHBP Member Services Email

Email Address: SHBPservicecenter@adp.com

• All emails sent from SHBP Member Services are sent via secure email (emails are

encrypted). Participants will have to follow instructions to open the email.

• Response emails will only be provided to the email address on file for the

member.

• Government identifying information may not be included in emails – this includes

social security numbers, drivers license numbers and Medicare/Plan ID numbers.

• Benefit elections, life events, demographic updates (name, address, SSN) may not

be requested via email as they will not be processed.

SHBP Member Services Email Security Protocol

A Few Common Inquires that can be Handled via SHBP Member Services Email

• When is Open Enrollment?
• Why don’t I have a New Hire/Newly Eligible Employee window in SHBP Enrollment Portal?
• How can I change my benefit elections?
• How do I order new ID cards?
• How do I declare a Qualifying Event?
• How do I submit Dependent Verification documentation?
• Have you received the dependent verification documentation I submitted?
• How can I provide my dependent’s SSN or other Tax Identification Number?
• When will I receive COBRA information?
• I received a letter asking for my Medicare Information, but I am still actively employed. What do I

need to do?

• How do I have the Tobacco Surcharge removed?
• Which dependents are eligible?
• How can I have my Disabled Dependent covered under my plan after they turn 26 years old?
• How do I file an Appeal or check Appeal Status?
• I am an Active Member. How do I update my address?
• I am a New Hire. How long do I have to enroll in coverage?
• How does the Wellness Program work?

SHBPservicecenter@adp.com

Anthem BlueCross Blue Shield (Anthem) – www.anthem.com/shbp 855-641-4862 Monday – Friday 8:00am to 8:00pm ET United Healthcare – www.welcometouhc.com/shbp 888-364-6352 Monday – Friday 8:00am to 8:00pm ET Kaiser Permanente (KP) – www.my.kp.org/shbp 855-512-5997 Monday – Friday 7:00am to 7:00pm ET Sharecare – www.BeWellSHBP.com 888-616-6411 Monday – Friday 8:00am to 8:00pm ET CVS Caremark – http://info.caremark.com/shbp 844-345-3241 24 hours a day/7 days a week SHBP Member Services – www.mySHBPga.adp.com 800-610-1863 Monday – Friday 8:30am to 5:00pm ET Social Security Administration – www.ssa.gov 800-772-1213 Centers for Medicare & Medicaid Services (CMS) 800-633-4227 24 hours a day/7 days a week www.medicare.gov

Contact Information for SHBP

Dental Insurance

CIGNA – www.cigna.com 1-800-642-5810 (24/7, 365 days a year) Delta Dental – www.deltadentalins.com 1-866-496-2384 (7:15am – 8:00pm ET, Monday – Friday)

Vision Coverage

Anthem Blue Cross Blue Shield (Anthem) – www.anthem.com 1-855-556-4844 (7:30am – 11:00pm ET, Monday – Saturday) (11:00am – 8:00pm ET, Sunday)

Life Insurances and Accidental Death and Dismemberment

MetLife – www.metlife.com/sog 1-877-255-5862 (8:00am – 8:00pm ET, Monday – Thursday) (8:00am – 5:00pm ET, Friday)

Disability Insurance

The Standard – www.standard.com 1-888-641-7186 (8:00am – 6:00pm ET, Monday – Friday)

Long-Term Care Insurance

Unum – www.unuminfo.com/sog 1-888-764-3539 (8:00am – 8:00pm ET, Monday – Friday)

Critical Illness Insurance

Aflac – www.aflacgroupinsurance.com, www.doas-specifiedillness.com 1-800-433-3036 (8:00am – 8:00pm ET, Monday – Friday)

Legal Insurance

Hyatt Legal Plans – www.legalplans.com 1-800-821-6400 (8:00am – 8:00pm ET, Monday – Friday)

Spending Accounts

WageWorks – www.myspendingaccount.wageworks.com/ 1-888-557-3156 (8:00am – 8:00pm ET, Monday – Friday)

GaBreeze – www.GaBreeze.ga.gov

1-877-342-7339 (8:00am – 5:00pm ET, Monday – Friday)

Contact Information for GaBreeze

Contact Information for DNR OHR Benefits

Office of Human Resources Beth Findlay (404) 656-2697 beth.findlay@dnr.ga.gov

2020 Open Enrollment SHBP and GaBreeze