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2015 BENEFITS INFORMATION
Annual Open Enrollment
October 6 – October 24, 2014
Memorandum
To: All Employees
From: Reather Hollowell, Director
Date: September 10, 2014
Subject: Open Enrollment 2015
Human Resources Department
As we begin the 2015 Open Enrollment season, I want to share some important information with
you about CCG’s benefit programs. Because of the premium rate changes and plan design
changes effective January 1, 2015, it is more important than ever that you review the materials
provided, attend a meeting at your facility, and complete the enrollment process for any changes
you intend to make.
We continually strive to provide employees with choices of quality health care plans that provide
competitive benefits and coverage for employees and their families, while at the same time,
managing the cost of these plans so they are affordable for both our employees and the CCG.
Like most employers, managing healthcare costs and analyzing the future impact of Health Care
Reform continue to be great challenges for the CCG. While some factors that contribute to our
rising health care costs are related to government mandates such as provisions of Health Care
Reform, other factors are a direct result of the healthcare choices or decisions that plan members
make. The upcoming health fair provides a great opportunity for you to explore lifestyle changes
that may enhance your quality of your life.
Open Enrollment is your annual opportunity to:
Compare plan designs and plan costs and determine which benefit plans will best suit
your needs for the upcoming plan year.
Make changes such as:
o enrolling in a plan for the first time
o adding or dropping dependents
o switching health plans
o Modifying the nature of your coverage (i.e., adding dental coverage).
The “love it or leave it” guarantee for the Health and Wellness Center Plan ends with this year’s
Open Enrollment. This means you will not have the opportunity to “try out” the Health and
Wellness Center and then return to your old plan during the plan year. Once you elect the Health
and Wellness Center Plan, you must remain on this plan for the full plan year.
The elections you make during Open Enrollment will become effective with the new plan year
beginning January 1, 2015. All employees on the healthcare plan will receive new ID cards
even if you do not make any changes during Open Enrollment.
Please contact your Human Resources team with any benefits or open enrollment questions you
have at the Benefits Line at 800-304-6157 or 706.653.4059.
SM
Memorandum
To: All Employees
From: Reather Hollowell, Director
Date: September 29, 2014
Subject: Spousal Coverage – Health Insurance
Human Resources Department
Beginning with the new plan year, January 1, 2015, there will be significant plan design changes
related to spousal coverage that you need to be aware of. The changes will impact all employees
with spouses on the City’s healthcare plan.
All employees with spouses on the CCG’s Self Funded Healthcare plan must make an enrollment
election to continue existing coverage for your spouse and complete a Spousal Coverage
Affidavit during Open Enrollment. If you plan to add your spouse effective the new plan year,
you must also complete a Spousal Coverage Affidavit. This requirement applies to all
employees with spouses on the healthcare plan regardless of whether you pay the spousal
surcharge or not. If you do not complete a Spousal Coverage Affidavit during the Open
Enrollment period, your spouse will not be covered on the City’s medical plan for the new plan
year.
Employees with working spouses on the City’s healthcare plan and who have access to group
coverage offered by their own private employer may participate in the City’s Self Funded
Healthcare plan by paying the full premium cost of coverage. In addition to the regular premium
rate, employees who choose to cover their working spouse on the City’s plan will be subject to
the new spousal surcharge of $371.45 monthly, or $171.44 bi-weekly.
We know the health plan design changes are significant and it is vital that you receive the
information you need to make the best decisions for you and your family. As such, we have
scheduled Special Open Enrollment sessions on October 16 and 17 for employees with spouses
on the City’s healthcare plan. During these sessions, employees will complete a Spousal
Coverage Affidavit form and be briefed on the plan changes, and other options available.
Please contact your Human Resources Team with any benefits or Open Enrollment questions
you have at the Benefits Line, 800-304-6157 or 706-653-4059. Link to the Open Enrollment booklet http://www.columbusga.org/HR/pdfs/OpenEnrollment-2014.pdf
SM
PAGE 1
What Your 2015 Benefits Will Cost --------------------------------------------------------------------------------------------------------------------
The charts below show the bi-weekly contribution rates for the various health care
plans, effective January 1, 2015.
Medical Plans (BCBSGA)
HWC HMO POS/PPO Employee $56.55 $67.33 $62.28 Employee +Spouse $106.32 $126.58 $117.08 Employee + Child(ren) $98.97 $117.83 $108.98 Employee + Family $156.65 $186.50 $172.50
Dental Plans (BCBSGA)
High Option Low Option Employee $ 11.86 $7.59 Employee +Spouse $25.86 $15.18 Employee + Child(ren) $26.85 $14.42 Employee + Family $41.45 $22.77
Vision Plan (BCBSGA)
Vision Employee $3.29 Employee +Spouse $5.74 Employee + Child(ren) $6.24 Employee + Family $9.52
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Active Employee Health Plan Comparison for 2015 Benefits
--------------------------------------------------------------------------------------------------------------------
The chart below highlights key features and benefits under the BCBSGA health
care options, effective January 1, 2015.
Plan Provisions HWC HMO POS/PPO
Lifetime Maximum Unlimited Unlimited Unlimited
Deductible (individual/family) $500/$1000 $1000/$2000 $1000/$2000
Annual Out of Pocket Maximum $1000/$2000 $6350/$12,700 $6350/$12,700
Coinsurance 90% 90% 80%
Preventive Care
Immunizations 100% (no copay) 100% (no copay) 100% (no copay)
Pap Smear/Mammography/Prostate Screening 100% (no copay) 100% (no copay) 100% (no copay)
Office Visits
Primary Care $50 (free at HWC) $20 $30
Specialist $20 (with HWC referral) $30 $40
Hospital/Inpatient Services 10% after deductible 10% after deductible 20% after deductible
Emergency Room (waived if admitted) $150 copay $150 copay $150 copay
Urgent Care $20 copay $30 $30
Prescription Drugs
Generic (30 day supply) $20* $20 $20
Brand (30 day supply) $40 $40 $40
Non-Formulary (30 day supply) $60 $60 $60
Generic (mail order 90 day supply) $40 $40 $40
Brand (mail order 90 day supply) $80 $80 $80
Non-Formulary (mail order 90 day supply) $120 $120 $120
*All medication is free when available at the HWC.
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Dental – BCBSGA HIGH OPTION LOW OPTION
Deductible
Individual $50 $50
Family $150 $150
Coinsurance
Preventative 100% 100%
Basic 80% after deductible 70% after deductible
Major 50% after deductible 40% after deductible
Annual Maximum
Per Participant $1,500 $1,000
Orthodontia
Benefit 50% after deductible None
Lifetime Maximum $1,500
Vision – BCBSGA Eye Exam 100% coverage after $10 copayment (covers
one exam per calendar year)
Eyeglass Lens – Single, Bifocal, Trifocal 100% after $10 copayment
(Includes factory scratch coating)
Eyeglass Frames $130 retail allowance, then 20% off balance
Contact Lenses
Conventional $130 retail allowance, then 15% off balance
Non-Elective 100%
Page 4
Life Insurance - CIGNA
Basic Life/AD&D
As an eligible employee, the City automatically provides you with a life insurance benefit 1.5
times your annual base salary (rounded up to the nearest $1,000) up to a $250,000 maximum
benefit. You also receive an equal amount of accidental death and dismemberment protection.
Supplemental Life
Supplemental increments of $10,000 up to a benefit maximum of $500,000
Current participants are allowed a $10,000 increase to their 2014 supplemental life insurance
amount on a guaranteed basis at annual enrollment provided your supplemental life insurance
benefit does not exceed the lesser of $210,000 or 3 times annual basic earnings.
Spouse/Dependent Life Insurance
During the annual enrollment period, if you are currently enrolled for spouse coverage, you can
increase coverage for your spouse by one $2,000 increment without providing evidence of
insurability. If you are electing spouse coverage for the first time, you can elect coverage for
your spouse in the amount of $2,000 without providing evidence of insurability during the
annual enrollment period.
.
Page 5
Flexible Spending Accounts (FSAs)
Flexible Spending Accounts (FSAs) allow you to set aside pre-tax money through payroll deductions to use for qualified Health and Dependent Care Expenses. . Plan Year Contribution Limits: $2,500 for Health Care FSA $5,000 for Dependent Day Care FSA Fund Availability:
Health Care FSA funds are available immediately Dependent Day Care funds are limited to the available balance accumulated through payroll deductions. NEW Feature! You can rollover up to $500 to the next plan year! Note: FSA must be re-elected every year, enrollment is not automatic.
Page 6
2014 Open Enrollment Schedule
LOCATION DATE TIME
The Learning Center October 06, 2014 8:00 AM - 5:00 PM
Public Works Training Room October 07, 2014 7:00 AM - 5:00 PM
Metra October 08, 2014 8:00 AM – 11:00 AM
City Services Center October 08, 2014 1:00 PM - 5:00 PM
Muscogee County Prison October 09, 2014 6:00 AM – 10:00 AM
Annex October 10, 2014 8:00 AM – 4:00 PM
Metra October 10, 2014 8:00 AM – 11:00 AM
Public Works Training Room* October 16, 2014 7:00 AM
The Learning Center* October 16, 2014 2:00 PM
Public Safety Community
Room* October 17, 2014 9:00 AM
City Services Center* October 17, 2014 2:00 PM
City Services Center October 20, 2014 8:00 AM – 11:00 AM
The Learning Center October 21, 2014 8:00 AM - 5:00 PM
Public Safety Community
Room October 22, 2014 8:00 AM – 5:00 PM
Public Works Training Room October 23, 2014 6:00 AM – 12:00 PM
Civic Center October 24, 2014 8:00 AM – 11:00 AM
Trade Center** October 24, 2014 10:00 AM – 2:00 PM
*October 16 and 17 will be for informational sessions on the Working Spouse Exclusion policy.
**Supplemental Benefits and Health Fair
Page 7
How to Create an Appointment Online Columbus Consolidated Government 2015 Open Enrollment
Step 1 – Go to https://pickatime.com/ccgopenenrollment to access CCG’s Open Enrollment Schedule
Step 2 – Create an Account or Log In To create an Account, you will need: Email Address, Name and Password
Step 3 – Select the Department This will be the location for your 1-1 appointment with a Benefits Counselor. Please refer to the Open Enrollment schedule to determine what dates and times Counselors will be available at each site.
Step 4 – Select the time you would like to meet with a Benefit Advisor. You will notice there are three appointments available every 20 minutes as we will have three Benefit Advisors at each location. Step 5 – After confirming your preferences, click “Create Appointment”
Note: You must schedule your appointment no later than 2 weeks in advance. Should you need to reschedule/cancel, you can log back in and do so.
Page 8
Please see the step-by-step instructions below on how to enroll in your benefits.
Step 1 – Go Online to SmartBen
Log on to www.smartben.com and enter your Username (Social Security number, no dashes) and Password (eight-digit date of birth, MMDDCCYY format). Example: 123456789 for Social Security number 123-45-7689 Example: 06101964 for date of birth June 10, 1964
TIP: You can change your password once logged in!
Step 2 – Enroll!
Once logged in, click on the Enrollment tab to begin.
Then select Annual Enrollment and Begin Enrollment to continue.
Click on each Benefit to make your elections. Answer all the questions with each benefit!
TIP: ALL AFLAC benefit elections will need to be made with an AFLAC representative.
Step 3 Review and Elect Benefits: You will enter the Enrollment process at the Benefit Manager page, of Step 1 of the Enrollment Process.
Page 9
Benefit Manager: Use this to review your enrollment options and make your benefit elections. To make changes to a benefit, click on a benefit name. Please note: If you want to participate in the Health Care and/or Dependent Care Spending Accounts, you must re-enroll, even if you are currently contributing to the Spending Accounts. If you are updating your beneficiary, you must re-enroll in life insurance to allocate a beneficiary percentage. If you are adding a new dependent to your employee + child(ren) or family coverage, you must re-enroll to assign the new dependent to your coverage. To make a change, click on the option you want to elect. Click the Confirm Election button at the bottom of the page when you are finished.
If you are enrolling a spouse or dependent in medical and/or dental coverage, click on the box next to the dependent you wish to enroll. If you are dropping a dependent from medical and/or dental coverage, you must uncheck the dependent you are dropping. Note: If you changed coverage levels (e.g. from family to employee + child(ren) or from family to employee + spouse), your spouse or child is automatically dropped.
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If you are electing Voluntary Life/AD&D Insurance, you may be required to complete a separate Evidence of Insurability (EOI) Form.
People Manager: This is where your Personal, Spouse/Dependent and Beneficiary information is stored.
Personal Info - Review your personal information and make changes if necessary. Spouse and Dependent Info – Click on the Add button to add your spouse and dependents’ information if you are enrolling them in a benefit plan. Click Save when you are finished. Adding spouse/dependent information in the People Manager DOES NOT assign your spouse/dependent to the medical or dental plan. You will assign your spouse/dependent to medical/dental coverage later in the enrollment process.
Beneficiary Info – SmartBen automatically defaults your name as the beneficiary for Spouse and/or Child Life. If you are electing Supplemental Term Life/AD&D coverage, click on Beneficiary Info. Select the Edit Pencil and enter your beneficiary information. Click Save when you are finished.
Adding your beneficiary information in the People Manager DOES NOT assign a beneficiary percentage. You will assign the percentage later in the enrollment process. Click on Benefit Manager to continue the enrollment process.
TIP: Answer all questions related to your benefit choices.
TIP: Use the View Provider List located at the top of the page to search for a PCP or dental facility code.
TIP: Click on the Beneficiary Type drop down box to designate your beneficiary as primary or secondary.
TIP: If you need to add more than one beneficiary, click on the Add button to designate the additional beneficiaries.
Page 11
Step 45
Once your elections are complete each benefit will have a green light n the Status box. To proceed to the next step, click the button labeled “Accept Benefits and Continue.”
Step 5
2 Verify Required Data: If you have not entered all required information, SmartBen will not process your enrollment. Click on each item in the Enrollment Task List and SmartBen will take you to the required page for corrections. Make your corrections, click Submit, Enroll or Save, whichever is applicable. Be sure to review any “Important Information” noted on this task page and click “Continue”
Step 6
3. Review Confirmation: Review your elections thoroughly and acknowledge your agreement before clicking "Continue" at the bottom.
Page 12
Check to ensure all benefit elections are correct. Also check to ensure medical and dental dependent assignments are correct. To confirm, enter your initials at the bottom of the Confirmation page and click Continue.
Step 7
You have successfully completed the enrollment process! Select the Print button for a copy of your Confirmation Statement.
Page 13
Review Your Confirmation Statement
Carefully review your statement to ensure your benefit elections are accurate. Keep in mind, this Confirmation Statement is only a confirmation of your benefit elections. If carrier approvals (e.g., Supplemental Term Life/AD&D Insurance) are required, coverage will be subject to those requirements. Note: At any time during Open Enrollment, you can log back into SmartBen and make changes. Always remember to print a Confirmation Statement to serve as your confirmation of benefit elections.
TIP: In the People tab, you can add dependents and beneficiary information, BUT, you must ASSIGN
these people within the actual benefit to get coverage.
Once all Benefits have a Green ‘light,’ you can confirm your benefit elections – check all
elections to confirm accuracy!! If data is incomplete, you will be asked to return to the benefit that needs your attention.
You will be asked to enter your initials to confirm your enrollment selections. Also, you will have
the opportunity to print your benefit statement – this is highly recommended!
Page 14
Review Your Confirmation Statement Carefully review your statement to ensure your benefit elections are accurate. Keep in mind, this Confirmation Statement is only a confirmation of your benefit elections. If carrier approvals (e.g., Supplemental Term Life/AD&D Insurance) are required, coverage will be subject to those requirements.
Page 15
DEADLINE TO MAKE CHANGES
October 24, 2014 @ 11:59 PM
