County of San Diego 2018 Employee Benefits Open Enrollment ... Employee Benefits Open Enrollment October 2nd – 26th, ... Overview ⁻Medical, ... 2018 Employee Benefits Open Enrollment . October 2. nd

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  • County of San Diego 2018 Employee Benefits Open Enrollment

    October 2nd 26th, 2017

  • 2018 Open Enrollment

    Agenda 2018 Employee Benefits Open Enrollment

    Overview

    Medical, Dental, Vision and Life Insurance Plans

    Ancillary Benefit Plans

    Critical Illness

    Short Term & Long Term Disability Plans

    Reimbursement Accounts

  • 2018 Open Enrollment

  • Open Enrollment Overview

    2018 Employee Benefits Open Enrollment Period Monday, October 2nd - Thursday, October 26th New Premium Rates and Open Enrollment election changes

    REQUIRED Enrollment All employees must participate in Open Enrollment and complete

    their elections in the PeopleSoft System. Flexible Spending Accounts must be re-elected every year.

    New Medical Carrier-UnitedHealthcare

  • 2018 Benefits Plans

  • 2018 Employee Medical Plan Rates (Per Pay Period)

    Medical Plans Level of Coverage

    Emp. Only Emp. +1 Dependent Emp. + 2 or

    more Dependents

    Kaiser Permanente / HMO (+3.72%) $254.16 $508.32 $719.27

    Kaiser Permanente / HMO HDHP (+3.72%) $198.41 $396.82 $561.47

    UnitedHealthcare / PPO Select Plus (-0.3%) $587.40 $1,174.79 $1,662.33

    UnitedHealthcare / HMO Signature Value Performance Network 1 (+3.1%) $323.21 $646.33 $914.51

    UnitedHealthcare / HMO Signature Value Performance Network 2 (+30.9%) $410.36 $820.60 $1,161.10

    UnitedHealthcare/ HMO Signature Value Alliance (-0.9%) $310.67 $621.25 $879.03

    UnitedHealthcare / Select Plus HDHP/HSA (+1.0%) $465.19 $930.33 $1,316.44

    2018 Medical Plan Rates

  • 2018 Kaiser Permanente Traditional HMO

    2018 Medical Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $254.16 $9.12 3.72%

    Employee + One $508.32 $18.24 3.72%

    Employee + Family $719.27 $25.80 3.72%

  • 2018 Kaiser Permanente High Deductible Health Plan (HDHP)

    2018 Medical Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $198.41 $7.12 3.72%

    Employee + One $396.82 $14.24 3.72%

    Employee + Family $561.47 $20.13 3.72%

  • 2018 UnitedHealthcare PPO Select Plus

    2018 Medical Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $587.40 $-1.77 -0.3%

    Employee + One $1,174.79 $-3.53 -0.3%

    Employee + Family $1,662.33 $-5.00 -0.3%

  • 2018 UnitedHealthcare HMO Signature Value Performance Network 1

    2018 Medical Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $323.21 $9.72 3.1%

    Employee + One $646.33 $19.44 3.1%

    Employee + Family $914.51 $27.50 3.1%

  • 2018 Medical Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $410.36 $96.87 30.9%

    Employee + One $820.60 $193.71 30.9%

    Employee + Family $1,161.10 $274.09 30.9%

    2018 UnitedHealthcare HMO Signature Value Performance Network 2

  • 2018 UnitedHealthcare HMO Signature Value Alliance

    2018 Medical Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $310.67 $-2.82 -0.9%

    Employee + One $621.25 $-5.64 -0.9%

    Employee + Family $879.03 $-7.98 -0.9%

  • 2018 UnitedHealthcare Select Plus HDHP/HSA (High Deductible)

    2018 Medical Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $465.19 $4.61 1.0%

    Employee + One $930.33 $9.21 1.0%

    Employee + Family $1,316.44 $13.04 1.0%

  • 2018 Dental and Vision Plans

    2018 Employee Dental and Vision Plan Rates (Per Pay Period)

    Dental Plans

    Level of Coverage

    Emp. Only Emp. +1 Dependent

    Emp. + 2 or more

    Dependents

    Delta Dental PPO (+4.5%) $25.13 $50.25 $71.75

    Delta Dental DHMO (+5.0%) $7.18 $12.98 $16.62

    Vision Plan

    Level of Coverage

    Emp. Only Emp. +1 Dependent

    Emp. + 2 or more

    Dependents

    Vision Service Plan (+5.0%) $4.67 $10.79 $14.63

  • 2018 Delta Dental PPO

    2018 Dental Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $25.13 $1.08 4.5%

    Employee + One $50.25 $2.17 4.5%

    Employee + Family $71.75 $3.09 4.5%

  • 2018 Delta Dental HMO

    2018 Dental Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $7.18 $0.34 5.0%

    Employee + One $12.98 $0.62 5.0%

    Employee + Family $16.62 $0.80 5.0%

  • 2018 VSP Vision

    2018 Vision Plan Rates

    Level of Coverage 2018 Premium Rates Per Pay Period + / -

    $ + / -

    %

    Employee Only $4.67 $0.22 5.0%

    Employee + One $10.79 $0.51 5.0%

    Employee + Family $14.63 $0.70 5.0%

  • 2018 Plan Details

  • UnitedHealthcare THREE HMO Plans:

    Signature Value Alliance HMO Includes Scripps and UCSD

    Signature Value Performance HMOs Network 1-Similar to Anthem Select network

    includes Sharp, does NOT include UCSD Network 2-includes, Greater Tri-Cities IPA,

    Multi-Cultural MG

    Call UnitedHealthcare between Dec 11th and Dec 15th to designate your HMO primary care provider (PCP) 888-586-6365

  • UnitedHealthcare The PPO Plan is designed to allow you to choose your health care providers from a network. Unlike an HMO, you do not need to enroll with a primary care physician and you do not need a referral to see a specialist.

    PPO Network

    Obtain care directly from any United Healthcare PPO

    Network Provider, Nationwide

    You pay less for care services when you use this level

    Out-of-Network

    Obtain care directly from any provider

    You pay the highest costs when you use

    this level

  • UnitedHealthcare County of San Diego VEBA Advocacy Call Center

    888-276-0250 (UnitedHealthcare Plans only) Provides support regarding:

    Selecting a network during Open Enrollment, New Hire Enrollment, or Qualifying Life Event Change

    Accessing Care and Emergency Prescription Drugs Transitioning Care to a New Provider Complaints and Suggestions on Quality of Care or Access to a

    Timely Appointment Navigating the System to Deal with Complex Health Issues

    VEBA is a joint Labor-Management trust under Internal Revenue

    Code 501, includes over 120,000 school district employees and is now available for all public sector employees

  • Kaiser Permanente - HMO

    Kaiser HMO Plan:

    Co-payments apply

    No annual deductible

    Annual out-of-pocket maximum: $1,500 per individual and $3,000 per family

  • How Does the High Deductible Health Plan Work?

    High Deductible

    Health Plan

    Annual Deductible Coinsurance Annual Maximum Out-of-Pocket

    Employee Only

    Employee +1 Dependent

    Employee +2 or more

    Employee Only

    Employee +1 Dependent

    Employee +2 or more

    Kaiser Permanente $1,500 $3,000 $3,000 10% After Deductible $3,000 $6,000 $6,000

    UnitedHealthcare In Network $2,700 $3,000 $3,000

    10% After Deductible $3,000 $6,000 $6,000

    UnitedHealthcare Out-of-Network $3,000 $6,000 $6,000

    30% After Deductible $9,000 $9,000 $18,000

    INSURANCE PLAN PAYS 100%

    High Deductible Health Plans

    Individual deductible for member enrolled in a high deductible health plan under employee +1 or more coverage is $2,700.

    Individual maximum for member enrolled in employee +1 or more coverage is $3,000.

  • Dental Plans

  • Delta Dental DHMO or PPO

    Employees newly enrolling in Delta Dental DHMO or changing their dental provider will need to contact Delta Dental at 844-697-0579 to elect a Primary Care Dentist (PCD) between December 11th and December 15th.

  • Vision Plans

  • VSP

    The age limit for dependent children for Vision Plan coverage is up to age 26. Your child will be covered under the plan through the end of their birthday month.

  • Life Insurance Plans

  • Life Insurance Basic Life Insurance

    The County provides life insurance coverage for their employees.

    The coverage amount varies depending upon your job classification

    The County also provides Life insurance in the amount of $2,000 for each qualified spouse and eligible children

    Supplemental Life Insurance 1, 2, or 3 times your basic annual salary Employee only coverage

  • Accidental Death & Dismemberment

    Basic AD&D Coverage The County provides insurance for you at no cost The amount varies depending upon your job

    classification Covers loss of limb, leg or eyesight due to an

    accident Covers accidental death Supplemental AD&D Coverage 1, 2 or 3 times your basic annual salary Employee Only or Employee and Family

  • A Few Things To Remember

    Evidence of Insurability (Statement of Health) for all supplemental life increases or first time elections outside of new hire enrollment

    Can purchase with flex credits 1, 2 or 3X annual salary

  • Ancillary Benefit Plans

  • Critical Illness

  • Critical Illness

    Critical Illness Plan Provides a lump sum payment if employee or

    family member is diagnosed with a critical illness Cancer Heart attack Stroke

    Helps offset health plan co-payments or lost wages Includes a $100 annual wellness benefit Deductions are taken post-tax

  • Plan Name Critical Illness Plan Benefits Amount (Employee Choice of Coverage Level) $10,000, $20,000 or $30,000

    Family Coverage Spouse and Children: $5,000, $10,000 or $15,000 (50% of employee amount)

    Eligibility Ages Employee: Ages 18 and up Spouse: Ages 18 and up Children: Ages Birth - 26

    Portability Included

    Waiting Period None

    Benefit Payouts 100% for Each Covered Illness Additional Occurrence of a Critical Illness of 100%

    Critical Illness

  • Disability Plans Short Term Disability Long Term Disability

  • Voluntary Short Term

    Disability Plans

  • Voluntary Short Term Disability

    California State Disability Insurance (SDI) 60% of earnings (for most individuals) up to a maximum weekly

    benefit (maximum amount TBD). Benefits begin on the 8th day and continue for up to twelve

    months

    Voluntary Supplemental Short Term Disability Plan An additional 25% of earnings up to a maximum additional

    benefit of $1,000/week Benefits start on the 15th day and continue up to 24 weeks Income replacement = 85% of pre-disability earnings

    60% SDI (for most) + 25% Voluntary Supplemental Short Term Disability = 85% total

    This benefit is a supplement to CA SDI

  • Voluntary Short Term Disability

    Voluntary Short Term Disability Plan 60% of earnings up to a maximum benefit of

    $1,500/week Benefits start on the 8th day of disability Benefit duration range from 3 12 weeks

    Duration period is determined by employee based on their leave balances and individual needs

    Voluntary Short Term Disability is a Bridge to Long Term Disability

  • Voluntary Long Term Disability

    (LTD) Plans

  • Voluntary Long Term Disability (LTD) Plan 60% of earnings up to a maximum benefit of

    $5,000/month

    Benefits after 180 day elimination period

    Benefit duration is up to Social Security normal retirement age

    Voluntary Long Term Disability

  • A Few More Things on Ancillary Benefits

    Deductions taken as post-tax Benefits collected as non-taxable

    Benefits can be purchased with excess flex credits

    If planning to use benefit for maternity leave, cannot already be pregnant payment into plan does not begin until first payroll deduction

  • Flexible Spending Accounts Plans

    & Health Saving Accounts

  • Types of Accounts

    Flexible Spending Accounts Health Care Dependent Care Limited Purpose

    Health Savings Account Health Reimbursement Account

  • 2018 Flexible Spending Accounts Minimum contribution is $120 per year.

    Maximum contributions per year:

    Healthcare - $2,600 out of pocket - **NO EMPLOYER MONEY**

    Dependent Care - $5,000 per year

    Limited Purpose Flexible Spending Account (Dental & Vision expenses only, for High Deductible Plan users only) - $2,600 out of pocket

    Estimate carefully and contribute only as much as you think you will spend

    during the plan year. What you dont use, you lose at the end of the year.

    Carryover of $500 Up to $500 of remaining flexible spending account funds can be carried

    over from your health care spending account. It wont impact your total contribution amount

    Carryover will be accessible in April, after filing period ends

  • Health Care Flexible Spending Account

    Use Health Care Flexible Spending Account HCFSA for:

    Medical, Dental and Vision plan deductibles and co-payments for you and your eligible dependents

    Some over-the-counter medications are eligible with a valid

    prescription Full list of eligible expenses available at

    www.asiflex.com/sdcounty

    The Health Care Account can benefit you if you have predictable out-of-pocket medical, dental, and vision care expenses Annual Minimum Contribution: $120.00 2018 Annual Maximum Contribution: $2,600.00

  • Dependent Care Flexible Spending Account

    Use Dependent Care Account (FSA) for:

    Care of a child under age thirteen Care of another qualified dependent while you work $5,000 is the maximum per family. For a married couple, only

    one can enroll in the plan with the full $5k annual contribution, or both can claim half of the amount

    NOTE: Reimbursement under the Dependent Care Spending Account cannot occur until the care has been fully provided, and/or after a deposit is made into the account.

    ** Dependent daycare contributions will not carryover

  • Limited Purpose Flexible Spending Account

    What is a Limited Purpose Flexible Spending Account (LPFSA)?

    A LPFSA, generally used in conjunction with a health

    savings account (HSA), is a tax savings account that reimburses employees for eligible dental and vision care expenses only.

    A LPFSA is subject to use it or lose it IRS rule

    Annual contribution is limited to $2,600

  • HSA Its yours

    even if you switch jobs,

    plans or retire

    Its held in a trust, like an

    IRA

    Funds roll over and

    accumulate year to year if

    not spent

    Contributions are tax-free (subject to

    limits)

    If you are 55 years or older

    you are eligible to deposit catch-up

    contributions

    What is a Health Savings Account (HSA)? A HSA allows individuals to pay for qualified health

    expenses and save for future medical and retiree health expenses on a tax free basis.

    Health Savings Accounts

  • You are not eligible to open an HSA if:

    Annual contribution limits are set by the IRS

    You or your dependent are enrolled in Medicare

    You are receiving health benefits under TRICARE

    You are covered by another non-qualified health plan (such as a spouses plan)

    You or your dependent can be claimed as a dependent on another individuals tax return

    Health Savings Accounts

  • Maximum contributions per year:

    $3,450 (individual)

    $6,900 (family)

    Over 55 - (individual) $4,450 (Family) $7,900

    Enrollment in High Deductible Plan is required to participate in the HSA Plan

    Employees in HDHP will have excess Flex Credits contributed to an HSA

    Employees can also contribute out-of-pocket money to this account (subject to contribution maximums)

    Health Savings Accounts

  • Health Reimbursement Accounts (HRAs)

    Employees must be enrolled in an eligible Group medical plan to be eligible for an HRA...

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