Livingston County 2020 Enrollment 2020 Annual Enrollment begins - - PowerPoint PPT Presentation

Livingston County | 2020 Open Enrollment

Livingston County 2020 Enrollment

2020 Annual Enrollment begins Thursday, October 17th and continues through Friday, November 1st

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Agenda

1. Annual Enrollment 2. 2020 Updates 3. Medical Plans

a. Health Savings Accounts b. Blue Cross Online Visits (telehealth)

4. Dental Plans 5. Vision Plans 6. Health Care Blue Book 7. Flexible Spending Accounts 8. CIGNA Life, Disability, and Voluntary Benefits 9. Health Advocate

• 10. Pet Insurance
• 11. Ulliance Employee Assistance Program
• 12. What You Need To Do!
• 13. Wrap Up

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Annual Open Enrollment

This year we will be having a Passive enrollment. This means you do not need to re-enroll and your 2019 benefit elections will carry-over into 2020. You Must Enroll If…

• …you wish to participate in the Healthcare or Dependent Care FSA (you must make a new election

every year as these do not carry-over)

• …add or delete dependent(s)
• …elect a new plan or make changes to your benefits

Changes are effective January 1, 2020 and remain in effect through December 31, 2020 unless you experience one of the following mid-year changes:

• Birth or adoption of a child
• Marriage or divorce
• Dependent gains or loses eligibility
• Change in spouse’s employment status

You must notify Human Resources within 30 days of the event to make a change in your elections!

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2020 Updates

• Livingston County will continue to offer a full suite benefit package, including maintaining current

coverage levels with Blue Cross Blue Shield of Michigan for medical and prescription drug coverage – CIGNA claims advocacy services are provided via CIGNA Health Advocate – Employee Assistance Program (EAP) services will continue being provided via Ulliance – Life and Disability coverage remains with CIGNA

• Per a Livingston County Board vote, elective abortions are no longer covered for non-union

employees under The County’s Blue Cross Blue Shield of Michigan health insurance

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Medical Insurance

• All Medical Plans are administered by Blue Cross Blue Shield of Michigan

(BCBSM)

• Livingston County offers various medical plan options (varies based on

bargaining units)

• We will be offering the same coverage as we did in 2019:

– PPO 4 – PPO 6 – PPO 1 (only available to some union groups) – High Deductible Health Plan (only available to non-union employees)

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When Choosing A Plan…Consider the ABC’s

A. Ask yourself: would you rather pay for coverage up front (via premiums paid through payroll deduction) or at the point of service when seeing a physician or paying for a medical service B. Budget accordingly. Can you afford to pay your deductible if you incur a large expense early in the year? C. Consider your previous years’ medical expenses and your known 2020 medical events (planned surgeries, pregnancies, etc.) when choosing a plan

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Medical Plans

PPO4 PPO6 Union Only: PPO1 High Deductible* Health Plan – HDHP (Non-Union)

Deductible $500 Single $1000 Family $250 Single $500 Family N/A $2,000 Single $4,000 Family (**Aggregate deductible) Coinsurance You Pay 20% after deductible is met You Pay 10% after deductible is met N/A You Pay 20% after deductible Coinsurance Max –

Includes deductible and coinsurance

$2,000 single $4,000 family $1,250 single $2,500 family N/A N/A Total Out-of-Pocket Max –

Includes, deductibles, coinsurance, fixed dollar copays and RX Copays

$6,350 Single $12,700 Family $6,350 Single $12,700 Family $6,350 Single $12,700 Family $3,000 Single $6,000 Family Office Visits $10 copay $10 copay Varies by B/U 20% after deductible Online Visits No copay No copay No copay $49 copay/visit until deductible is met; $0 copay after deductible plus 20% coinsurance/visit Prescription Drugs Varies by B/U Varies by B/U Varies by B/U ***$500 Rx preventive $10/$40/$80 (after deductible is met)

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Health Savings Account (HSA) – Non-Union Only

• Administered by HealthEquity in partnership with BCBSM
• What is an HSA?

– A tax-advantaged medical savings account; contributions are made pre-tax and funds can be used to pay for qualified medical expenses – Must be in a qualified high-deductible health plan (HDHP) in order to contribute to an HSA

• Questions About Your HSA?

– Call HealthEquity member services (877-284-9840) – If you have questions about your medical coverage, call the Customer Service number on the back of your Blue Cross ID card

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Health Savings Accounts – Key Rules

Rules of Participating in an HSA:

• Must be enrolled in Livingston County’s HDHP (a qualified HDHP/HSA plan)
• Cannot be enrolled in another health plan that is not qualified (i.e. Medicare, secondary on spouse’s

plan, etc.) and cannot be claimed as a dependent on someone else’s tax return (dependent children can draw from your account, but cannot open their own accounts)

• Money in your account must only be used for “qualified medical expenses”
• Cannot have a Flexible Spending Account (FSA) – any FSA balances must be liquidated/spent.
• You have the option of enrolling in a Limited-Purpose FSA (for qualified dental and vision expenses

ONLY)

Advantages of an HSA:

• Portability and flexibility

– You own the account – Funds rollover – NOT a “use it or lose it” account – Both annual employer contributions and employee contributions (up to IRS limit)

• Tax savings and growth

– Lowers your taxable income; Tax free interest growth; Tax free investment growth; Tax free withdrawals for Qualified Medical Expenses

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Health Savings Account 2020 Contribution Limits Tier

IRS Maximum Total Contribution Amount Allowed Funding Provided By Employer (Livingston County) Match Provided By Employer (Livingston County) Maximum Individual Contribution Allowed After Livingston County Contribution

Single $3,550 $500 $500 $2,550* 2 Person $7,100 $1,000 $1,000 $5,100* Family $7,100 $1,000 $1,000 $5,100*

*Please note an additional $1,000 in catch-up contributions can be made if you are age 55 or older

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Health Savings Accounts – Using Your Funds How to Access HSA Funds:

• Online

– Use your member portal to pay providers electronically – Mobile App – Use a linked personal bank account to pay, then reimburse online from your HSA

• HSA Debit Card

– Swipe HSA debit card at time of service – When you receive your bill from your provider you may write in your card number

Unused Funds:

• Unused funds stay with you; save for retirement
• Interest accrues tax free
• Invest any balance in excess of $2,000

– HealthEquity offers a selection of mutual funds and bonds; Investments are tax free Remember to keep your receipts!

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Blue Cross ONLINE VISITS

Livingston County’s Telehealth Solution:

• No fees or copays when seeing a doctor (except those in the HDHP plan - $49 copay

until you’ve hit your deductible)

• Utilize for you or your covered dependents
• 1. Take out your

smart phone

• 2. Go to the App

Store or Google Play store

• 3. Download the

BCBSM Online Visits app

• 4. Use BCBS

ONLINE VISITS next time you need to see a doctor Online care is useful for nonemergency illnesses, such as:

• Sinus and respiratory

infections

• Colds, flu and

seasonal allergies

• Urinary tract

infections

• Vomiting
• Headache
• Strains and sprains
• Pinkeye
• Rashes

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Dental Plans – Blue Cross Blue Shield of Michigan

Service Union Benefit Non-Union Benefit Preventive 100% 100% Basic 50% 80% Major 50% 50% Orthodontia (to age 19) Not covered Not covered Maximum $800 Annually $1,200 Annually for DEPS, 911, SGTS, LTS and EMS $1,200 Annually

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Vision Plan – EyeMed

Service EyeMed Provider Benefits via the Access Network Eye Exams Once every 12 Months No copay Lenses Once every 12 Months $10 copay Elective Contacts $130 allowance is applied towards contact lens exam and contact lenses (member is responsible for cost exceeding the allowance) Frames One pair every 12 Months $130 allowance, 20% off balance

• ver $130

Lasik or PRK 15% off retail price or 5% off promotional price Hearing Care 40% off hearing exams and a low price guarantee

• n discounted hearing aids

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Healthcare Bluebook

Shop For Your Healthcare Healthcare Bluebook is your healthcare transparency solution to…

• …help you shop for care, compare facilities,

save money on healthcare services, and earn rewards.

• …save money on your large out-of-pocket

healthcare expenses The HCBB web and mobile applications make it EASY TO SAVE MONEY ON HUNDREDS OF THE MOST COMMON MEDICAL SERVICES AND PROCEDURES by showing you the cost ranges in your area, and providing you with a selection of fair price facilities.

Healthcare Bluebook is a FREE service for members and their covered dependents.

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Flexible Spending Accounts

Administered by Navia

• Two accounts offered:

– General-purpose Health FSA (if you or your spouse are not contributing to a Health Savings Account) – Dependent Care FSA

• Your contributions are taken pre-tax out of your paycheck in equal amounts

throughout the year and not included on your W-2 form as taxable income.

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Healthcare FSA

Helps you pay for

• ut-of-pocket medical

expenses Full election is available to you on a Benefits debit card

• n January 1st

Eligible to roll over up to $500 of your remaining balance into 2020 Use It Or Lose It! All claims must be submitted by March 31st for claims incurred through 12/31/2019

…you are lowering your adjusted gross income through the pre-tax contributions you make. Through this tax savings, you will save, on average, 30% on eligible healthcare expenses by using an FSA!

Save money on your out-of-pocket medical expenses, including office visit copays, deductibles, and other medical, dental, and vision expenses!

By contributing money to an FSA…

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Dependent Care FSA

Helps you pay expenses for care of a dependent so that you can work. You can contribute a maximum of $5,000 into your Dependent Care FSA. This is a family maximum. You must contribute the money into your account via payroll deduction before the money becomes available to you. If you’re married, your spouse must also work or be a full- time student.

A Dependent Care FSA (DCFSA) is a pre-tax benefit account used to pay for eligible dependent care services, including, but not limited to: preschool, summer day camp, before or after school programs, and child daycare.

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Limited Purpose FSA

For those enrolled in the HDHP with HSA, you have the opportunity to enroll in the Limited-Purpose FSA through Health Equity.

• LFSA allows you to contribute additional pre-tax dollars to use for Dental and Vision expenses only

– The LFSA lets you spend pre-tax money on dental and vision expenses while keeping your HSA funds for medical and pharmacy expenses. – Should you elect the LPFSA, you will have two debit cards: one for your FSA and one for your Limited Purpose account

NOTE

Before you enroll in an HSA or LPFSA, you cannot have any money in your FSA. Per IRS guidelines, you must liquidate your account prior to 1/1 if electing the HDHP/HSA plan.

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CIGNA Basic Life Insurance + AD&D

• Your Basic Life and Accidental Death & Dismemberment benefit is paid for by Livingston County.

Coverage is insured by Cigna.

• Your benefit varies depending on bargaining unit – please refer to your benefit guide for your specific

benefit amount.

• Benefit reductions apply for employees age 70 and older. Please see Human Resources with any

questions.

CIGNA

Benefit Level

Eligibility

Class 1 Paramedics Class 2 MAPE Court Members Class 3 MAP Sergeants Class 4 MAPE 911 Dispatch Members Class 5 LCDSA Deputies, Corrections Officers and Detectives Class 6 MAP lieutenants Class 7 Non-Union Members, Elected Officials and Judges

Employee Life/AD&D Benefit Amount

Base Life: Class 1 - $40,000 Class 2 - 2 times your Annual Earnings rounded to the next higher multiple of $1,000, if not already a multiple of $1,000. Maximum: $200,000 Class 3 - $40,000 Class 4 - 1 times Annual Earnings rounded to the next higher multiple of $1,000. Maximum: $500,000. Class 5 - $45,000 Class 6 - $50,000 Class 7 - 1 times your Annual Earnings, rounded to the next higher multiple of $1,000, if not already a multiple of $1,000. Maximum: $500,000 Base AD&D: All Classes Amount equal to Base life amount

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CIGNA Voluntary Term Life Insurance + AD&D

You may elect to purchase additional insurance through Cigna:

• Your benefit varies depending on bargaining unit - please refer to your benefit guide for you specific

benefit amount.

• Benefit reductions apply for employees age 70 and older. Please see Human Resources with any

questions. Additional financial resources if you pass away from a covered circumstance:

• Valuable- help your family cover expected and unexpected costs and living expenses
• Easy- if you apply during your enrollment period, you may not have to answer medical questions
• Portable- you can take your coverage with you if you retire or leave your company prior to age 70
• Waiver of Premium- if you become disabled prior to age 60, premium payments are waived
• Accelerated life insurance benefits- you can receive the lesser of 75% up to $500,000 if you’re

diagnosed with a terminal condition

Notes:

• 1. Coverage elections above the guaranteed issue amount require medical underwriting.
• 2. Higher rates may apply.
• 3. No premium payments are required if you become continuously totally disabled for the time period specified in your Policy Certificate. Refer to the

plan materials for more specific information, including your plan’s definition of disability.

• 4. Accelerated death benefits reduce the life insurance death benefit and are payable up to the maximum specified by your plan. See your plan

materials for details and diagnosis requirements.

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CIGNA Disability Insurance (STD and LTD)

Disability insurance replaces part of your paycheck when you can’t work for a period of time due to a covered illness or injury. It gives you and your family additional financial protection

• If you become disabled, you use it like a paycheck to help pay for:

– Day-to-day living expenses like groceries, mortgage or utilities – Unplanned costs like medical bills

• Your benefit varies depending on your bargaining unit – please refer to your benefit guide for your

specific benefit amount.

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CIGNA Voluntary Benefits (Accident, Critical Illness, Hospital Indemnity)

Voluntary benefits can provide supplemental coverage in case of an accident, illness, or hospital stay.

• Group rates
• Payroll deducted
• Choices – you select the coverage that suits the needs of you and your family

Accidental Injury (Accident) Insurance: – Additional coverage when accidents happen (broken bones, burns, torn ligaments, ruptured discs, stiches, concussions, etc.) – Benefits may be payable for initial treatment, ER visit, hospitalization, follow-up care – Off the job accidents only – Pays a scheduled amount to you based on the injury/accident

• Via check

– Portable

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CIGNA Voluntary Benefits (cont.)

• Critical Illness:

– Pays a lump-sum benefit directly to you upon diagnosis of a covered illness (i.e. Heart Attack, Stroke, Cancer, Paralysis, Coma, ALS, Parkinson’s, etc.)

• Via check

– What you do with your payment is up to you. Pay-outs can be used to cover anything. Some examples of typical expenditures include: child care, everyday household bills, treatment not covered by traditional insurance, travel for medical treatment, etc. – Benefit Election Amounts (no waiting period):

• Employee: $5,000, $10,000, or $20,000
• Spouse: 50% of employee election amount
• Child: 25% of employee lection amount

– Health Screening Benefit ($75 per calendar year)

• Mammography, chest x-ray, cholesterol screening, etc.

– Reoccurrence benefit

• Additional coverage for reoccurring illness

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CIGNA Voluntary Benefits (cont.)

• Hospital Care (Hospital Indemnity) Insurance

– Pays a benefit for covered hospital stays resulting from injury or illness. Coverage continues after your first hospital stay so you have additional protection for future hospital stays. – You can use your money however you’d like

• For Example: medical bills not covered by your health plan, child care, travel, other out of

pocket expenses – There are no copays, deductibles, coinsurance, or network requirements – Additional features include:

• Health Screen Benefit

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CIGNA Value-Added Programs and Services

• The following are services available to all Livingston County employees:

– My Secure Advantage

• 30-days’ pre-paid expert money-coaching for all types of financial planning and challenges,

Identity theft prevention and fraud resolution services, online tools for state-specific wills and

• ther important legal documents

– CIGNA Health Rewards

• Discounts on health and wellness services, including vision and hearing care, diet programs,

fitness centers, massage, chiropractic care and acupuncture. – Health Advocacy Services (more on this later!)

• Personalized assistance to help employees and their family members (including parents and

parents-in-law) navigate a wide range of health care and health insurance challenges. – CIGNAassurance

• Free, interest-bearing account for claim payments of $5,000 or more, and access to Life

Assistance, My Secure Advantage and Healthy Rewards for beneficiaries – CIGNA Secure Travel

• A comprehensive worldwide travel assistance program that includes pre-trip planning and

emergency assistance to covered persons while traveling 100+ miles from home

*These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description, and are subject to change. Program availability may vary by plan type and location, and are not available where prohibited by law. **Services available at the option of employer for an additional cost and not available to Health Advocates, Inc. existing clients.

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CIGNA Advocacy – Health Advocate

CIGNA Advocacy is there to get you the answers you need when you need them as you navigate the complex world of healthcare. Help for you and your family is just a phone call away…get 24/7 support from Health Advocate by calling 866-799-2725 Services Include:

• Find a doctor based on your needs
• Locate specialists, schedule appointments
• Answer questions about diagnoses, test results, treatment medications
• Address questions and concerns related to your medical bills
• Find options for non-covered and alternative health services
• Clarify and get help applying for Medicare, Medicare Supplement insurance, and Medicaid
• Coordinate care among multiple providers
• Get assistance with special needs services
• Find in-home care, adult day care, group homes, and assisted living + long term care

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Pet Insurance – Nationwide

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Employee Assistance Program

Don’t forget to mention you work for Livingston County! Available services include:

• Counseling (telephonic and

face-to-face)

• Support for your family
• Legal & Financial Services
• Work-Life Resources

Call 800-488-8326 for assistance!

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Ulliance EAP Services Available To Employees + Dependents

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Open Enrollment Next Steps!

• This year’s enrollment will be passive – you do not need to complete the online enrollment unless you

are electing the Healthcare or Dependent Care Reimbursement Account or electing new or changing current coverage (i.e. adding pet Insurance, switching medical plans, adding critical illness, etc.)

• Login to your employee Portal to make changes to your benefits no later than 11/1/19 (this is the last

day of Open Enrollment).

• If you are enrolling for Life or Disability coverage for the first time, or you are increasing your voluntary

coverage amounts, Evidence of Insurability may be required. Your coverage will not be effective until you have been approved.

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Employee Portal

1. Go to www.livgov.com and click on Employees in the upper right ribbon 2. Next you will need to login with your employee information. 3. Once in your employee portal click on Employee Self Service

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Employee Portal (cont.)

4. Next click on Benefits 5. Then you will need to click on the Open Enrollment link 6. You will now be ready to select your 2020 Benefits 7. Once completed, click Continue

Wr Wrap Up Up + Que + Questions