2022 EMPLOYEE BENEFIT GUIDE - Birmingham Public Schools
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Birmingham Public Schools 2022 EMPLOYEE BENEFIT GUIDE
OPEN ENROLLMENT FOR 2022 3
CHANGES FOR 2022 3
Table of
WHAT YOU NEED TO DO 3
DEPENDENT ELIGIBILITY 4
Contents QUALIFIED CHANGES IN STATUS / CHANGING YOUR PRE-TAX 5
CONTRIBUTION AMOUNT MID-YEAR
MEDICAL COVERAGE 6
MESSA Choices Plans 6
MESSA ABC Plan 1 with HealthEquity Health Savings Account 6
Medical Opt-Out 9
Benefit Summaries 10
DENTAL COVERAGE 13
VISION COVERAGE 14
BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT 15
DISABILITY COVERAGE 16
Optional Short Term Disability 16-17
Long Term Disability 18
FLEXIBLE SPENDING ACCOUNT 19-21
TRAVEL ASSISTANCE 22
CONTACT INFORMATION 23
REQUIRED NOTICES 24-25
Medicaid and the Children’s Health Insurance Program (CHIP) Notice 26-27
Medicare Notice of Creditable Coverage 28-29
Marketplace Notice 30
IMPORTANT MEDICARE INFORMATION
If you (and/or your dependents) have Medicare or will become eligible
for Medicare in the next 12 months, a federal law gives you additional
choices for prescription drug coverage. Please see the enclosed
Creditable Coverage Notice for details.
2
Open Enrollment for 2022:
November 1-14, 2021 Open
Enrollment
Now is the time to review your benefit needs for the upcoming plan year.
Any changes you make to your benefit elections and dependent coverage will
be effective from January 1, 2022 through December 31, 2022. This includes:
Enrolling yourself and/or your dependents in coverage.
Terminating coverage for yourself and/or your dependents.
Changing your plan elections.
Enrolling in the Flexible Spending Account(s).
Understanding your benefit options is key to making the right decisions. Take
some time to carefully review this Benefit Guide.
What You Need To Do
Review this 2022 Benefit Guide and Summary of Benefits and Coverage
documents.
Choose the benefits that are best for you and your family for January 1,
2022.
Login to your MyMESSA at https://secure.messa.org
Follow instructions to complete your open enrollment
ALL EMPLOYEES ARE REQUIRED TO ENROLL THIS YEAR EVEN IF THERE ARE
NO CHANGES
Reminder: Most Americans
PLEASE NOTE: YOU WILL BE RECEIVING A NEW MEDICAL ID CARD PRIOR TO must have medical coverage
JANUARY 1st SO PLEASE WATCH YOUR MAIL to meet the individual
mandate under the Affordable
Care Act (ACA) or they must
pay an IRS tax. Enroll in one of
the medical plans offered by
Birmingham Schools to ensure
that you meet your individual
mandate and avoid the IRS tax.
All election changes must be made by November 13, 2021
3
Eligibility criteria for adult children age 19 and older
Many employers follow the guidelines below. However, based on bargained
Dependent contracts and employer policies, guidelines for your group may be different.
Eligibility
Check with your employer for specific guidelines that govern your overage
dependent coverage.
Dependent adult child, age 19-26
A dependent adult child age 19-26 is eligible for medical, dental, vision and
supplemental indemnity coverage until the end of the calendar year in which
they turn 26. The following criteria must be met:
You must provide the majority of the child’s financial support
Your child cannot be married
Coverage may continue past the age of 26 for your dependent adult child for the following
situations:
A dependent adult child may continue medical, dental, vision and supplemental indemnity coverage if they have
a severe physical or intellectual impairment which makes them incapable of self-sustaining employment.
Note: mental illness is not considered a cause of incapacity and therefore is not a basis for continued coverage.
A dependent adult child may continue medical, dental and vision coverage if they are a full-time student and
also meet the following additional criteria:
Attend an accredited higher-education institution and carry 12 undergraduate or 6 graduate credits
Your child has had continuous health coverage
Non-dependent adult child, age 19-26
Under the Affordable Care Act, adult, non-dependent children age 19-26 are eligible to continue medical cover-
age until the end of the calendar year in which they turn 26. Supplement indemnity coverage may also continue
until the end of the calendar year in which the non-dependent child turns 26.
The child does not need to be dependent on you for support
The child does not need to live with you
The child can be married
The child does not need to be a full-time student
4
Changing your Pre-
Tax Contribution
Qualified
Amount Mid-Year
Changes in
Status contribution amount mid-year only if you The change you make must be consistent
have a change in status, which includes with the change in status. For example, if
the following: you get married, you may add your new
spouse to your coverage. If your spouse’s
Birth, placement for adoption, or
employment terminates and he/she loses
adoption of a child, or being subject
We sponsor a program that allows employer- sponsored coverage, you may
to a Qualified Medical Child Support
you to pay for certain benefits elect coverage for yourself and your
Order which orders you to provide
using pre-tax dollars. With this spouse under our program. However, the
medical coverage for a child.
program, contributions are change must be requested within 30 days
Marriage, legal separation,
deducted from your paycheck of the change in status. If you do not
annulment, or divorce.
before federal, state, and Social notify Benefits Department within 30
Death of a dependent.
Security taxes are withheld. As a days, you must wait until the next annual
A change in employment status that
result, you reduce your taxable enrollment period to make a change.
affects eligibility under the plan.
income and take home more A change in election that is on These rules relate to the program
money. How much you save in account of, and corresponds with, a allowing you to pay for certain benefits
taxes will vary depending on where change made under another using pre-tax dollars. Please review the
you live and on your own personal employer plan. medical booklet and other vendor
tax situation. A dependent satisfying, or ceasing to documents for information about when
These programs are regulated by satisfy, eligibility requirements under those programs allow you to add or drop
the Internal Revenue Service (IRS). the health care plan. coverage, add or drop dependents, and
The IRS requires you to make your Electing coverage under your state’s make other changes to your benefit
pre- tax elections before the start Marketplace (also known as the coverage, as the rules for those programs
of the plan year January 1 – Exchange) during annual enrollment may differ from the pre-tax program .
December 31. The IRS permits you or as a result of a special enrollment.
to change your pre-tax
Medicaid Expansion
Medicaid provides health coverage for low income individuals including children, pregnant women, parents of eligible
children, people with disabilities and the elderly needing nursing home care. The eligibility rules are different for each
State.
Health care reform expands the Medicaid program to include individuals between the ages of 19 to 65 (parents,
and adults without dependent children) with incomes up to 138% the Federal Poverty Level. This is important because
people who were not previously eligible for Medicaid may now be eligible under the expansion.
Michigan passed the Medicaid expansion in early 2014. Depending on your household income you may be better off
enrolling in Medicaid rather than our medical plan. To see if your household qualifies for Medicaid, please visit:
https://www.healthcare.gov - Find information about all aspects of the Affordable Care act, including
links to state websites and coverage applications.
www.healthcare.gov/do-i-qualify-for-medicaid/ - For information on Medicaid eligibility.
https://www.medicaid.gov/ - For more information on Medicaid.
5
Medical Plan
Options Medical
Birmingham Public Schools offers the following medical plan options:
Coverage
MESSA Choices 500 Plan
MESSA Choices 1000 Plan
MESSA ABC Plan 1 with HealthEquity Health Savings Account (HSA)
Medical Opt-Out
MESSA Choices Plans MESSA ABC Plan 1 with HealthEquity Health
The MESSA Choices Plan is underwritten by Blue Cross Savings Account
Blue Shield. The plan is designed as a customized The Consumer Driven Health Plan (CDHP) works much
Preferred Provider Organization (PPO). like our other PPO Plans. A consumer driven health
You get the most benefits when you receive care from plan pairs a high-deductible, lower premium health
PPO providers. You don’t need to choose a Primary plan with a tax-free Health Savings Account (HSA) that
Care Physician with a PPO—you can see any provider reimburses you for current and future medical
you want to see, even a specialist. For a list of PPO expenses. All services, including prescriptions and
providers, visit www.messa.org. Choose “Search for a office visits are subject to the annual deductible with
Provider ” under Members section. the exception of certain preventive care services.
Preventive care services are covered at 100% with no
You can see non-PPO providers, but your benefits will
deductible when performed by an in-network
be reduced and you’ll pay more out-of-pocket.
provider.
If you visit a non-PPO provider, it will be in your
HealthEquity® is the administrator of the Health
financial interest to receive care from a BCBSM/
Savings Account (HSA) with the MESSA ABC Plan. An
MESSA participating provider. That’s because the
HSA is an interest bearing account that enables you to
participating provider must accept BCBSM/MESSA’s
pay for current health care expenses with tax-free
approved amount—they can’t balance bill you for
money (such as deductible and coinsurance) or to
more than your deductible and coinsurance. A non-
save for future health care expenses. It is designed to
participating provider can balance bill you whatever
follow you into retirement. Therefore, money rolls
amount s/he thinks is fair–there’s no limit to what
over year after year and earns interest.
you can be charged.
6
MESSA ABC Plan 1
with HealthEquity
Medical
Health Savings Account
Coverage
(Cont’d) It’s important to note that the annual deductible under the CDHP works differently
than the PPO Plans. Under the CDHP two person or family coverage, benefits for an
individual will be payable only when the FULL family CDHP deductible has been
met. That means that services for an individual are not covered after they have
satisfied the individual deductible as they are under the other PPO plans.
How the High Deductible Health Plan Works 2022 HSA Contribution
Limits
1. You pay the applicable copays until you reach the annual out-of-pocket
maximums for the year. Then the plan pays 100% for covered medical Single: $3,650
and prescription drugs. You pay nothing. Family: $7,300
Catch-Up (Age 55+): $1,000
2. Once you meet the annual deductible, the plan covers 100% percent of
It is your responsibility to be
your in-network medical services. You begin paying your fixed dollar sure that you do not
copays for prescription drugs. contribute more than the IRS
3. You pay the discounted cost for covered services up to the annual maximum limit (includes
employee and third- party
deductible. You can use the money in your HSA to satisfy the deductible. contributions).
4. The plan provides preventive care at no cost when you use an in-network
provider
Health Savings Account (HSA)
Health Savings Account A tax advantaged savings
account that you can use to
Health Savings Accounts (HSA) are available to employees enrolled in the meet your deductible, pay
Consumer Driven Health Plan (CDHP). To be eligible to contribute to an copays, and reach your out-of
HSA, you cannot be covered by another health plan. This includes a -pocket maximum. Or you
can save it for future health
Flexible Spending Account, Medicare or any health plan that does not expenses.
qualify as a “consumer driven health plan”. You must not have received
VA benefits for non-service related care, or non- preventive Indian Health Services at any time over the past three
months. Lastly, you cannot be claimed as a tax dependent by anyone else.
An HSA is an interest bearing account that gives you a way to pay for current health care expenses (such as
deductible and coinsurance) or to save for future health care expenses. An HSA is owned by you and is portable
from employer to employer. The balance rolls over from year to year and may be used for future health care
expenses during active employment or retirement.
You can use the money in your HSA to pay for medical expenses for yourself, your spouse and tax dependents even
if they are not covered under the CDHP. With an HSA, you do not have to submit a claim with receipts. Instead, you
simply request a reimbursement (just like a bank account) or use the debit card to pay for medical expenses.
With an HSA, you can only be reimbursed up to the amount that you have in your account. If you request a
reimbursement for more than your balance, you may be charged an overdraft fee.
7
MESSA ABC Plan 1
with HealthEquity
Medical
Health Savings Account
Coverage
(Cont’d) (Cont’d)
Health Savings Account, continued
The maximum annual contributions for 2022 are $3,650 for single
coverage and $7,300 for family coverage.
Individuals age 55 or older (and not enrolled in Medicare) may
contribute an additional amount referred to as a catch-up contribution.
The maximum annual
catch-up contribution is $1,000.
The money in your HSA can be withdrawn on a taxable basis for
reasons other than a medical expense. The distribution is considered
taxable income and is subject to a 20% penalty. Once you turn 65, or
become disabled and/or enroll in Medicare, any distribution from your
HSA for non-qualified medical expenses is considered taxable income
but will not be subject to the 20% penalty.
Once you turn 65, or become disabled and/or enroll in Medicare, you
can continue to use funds from your HSA. However, after age 65, you will no longer be able to contribute money
to it.
It is your responsibility to report HSA activity on your tax return, including contributions to and distributions from
your HSA during the year. You will need to maintain records of medical expenses.
For more info on HSA, go to the HealthEquity website or direct to the IRS website for Publication 969.
Health Savings Account Plan
High Deductible Protects you from big medical bills
For 2022, your maximum Health Plan
HSA contribution is $3,550 Helps pay your deductible
for single and $7,100 for Tax-deductible deposits
Health Savings
family coverage Account
Tax-deferred growth
Tax-free medical care
8
MESSA ABC Plan 1
Medical with HealthEquity
Coverage Health Savings
(Cont’d) Account
Prorated HSA Contributions for Mid-Year
Enrollments and Changes For more information:
See IRS Publication 969 under “Contributions to an
If you do not have HSA-compatible health coverage for
HSA”.
an entire calendar year, you must prorate your HSA
contributions to avoid tax penalties. If you join the plan Review the prorated HSA contribution amounts
midyear, you may be able to take advantage of the last listed on the Limitation Chart and Worksheet in the
month rule and contribute the entire IRS maximum for Instructions for IRS Form 8889, Health Savings
the year. Accounts (HSAs).
Under the last month rule, if you are an eligible Consult a qualified tax advisor.
individual on the first day of the last month of your tax
year (December 1 for most taxpayers), you are Medical Opt-Out
considered an eligible individual for the entire year.
If you and your dependents are covered under
You are treated as having the same HDHP coverage for
another group medical plan, you will be eligible for
the entire year as you had on the first day of that last
the Medical Opt-Out.
month. However, there is a testing period. If
contributions were made to your HSA based on you This taxable bonus is paid in your paycheck in lieu
being an eligible individual for the entire year under of medical and prescription drug coverage.
the last month rule, you must remain an eligible To be eligible to receive this bonus, you must
individual during the testing period. complete the attestation acknowledgement, as
For the last month rule, the testing period begins with proof of other coverage.
the last month of your tax year and ends on the last
day of the 12th month following that month. For
example, December 1, 2021, through December 31,
2022. If the employee does not satisfy the
requirements of this “testing period,” any
contributions made the previous year (as well as any
earnings made as the result of those contributions), in
02
excess of 1/12 of the statutory maximum HSA
contribution per month, must be included as income
and will be subject to a 10% excise tax.
9
Medical Coverage:
Your Contributions
MESSA Choices 500 Plan MESSA Choices 1000 Plan Prescription
MESSA ABC Plan 1
Service Drugs
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Calendar Year Deductibles, Coinsurance and Maximums
$500 Single $1,000 Single $1,000 Single $2,000 Single $1,400 Single $2,700 Single
Deductible $1,000 Family $2,000 Family $2,000 Family $4,000 Family $2,800 Family $5,400 Family
100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 80% coverage
Coinsurance after deductible after deductible after deductible after deductible after deductible after deductible
$1,000 Single $2,000 Single $1,000 Single $2,000 Single $1,000 Single $2,000 Single
$2,000 Family $4,000 Family $2,000 Family $4,000 Family $2,000 Family $4,000 Family
(plus your deductible) (plus your deductible) (plus your deductible) (plus your deductible) (plus your deductible) (plus your deductible)
Annual Out-of- Applies to copayments and coinsurance, except Applies to copayments and coinsurance, The out-of-pocket maximum includes copay-
Pocket Maxi- prescription drug copayments, which are sub- except prescription drug copayments, which ments and coinsurance plus the deductible.
mum ject to a separate out-of-pocket maximum. are subject to a separate out-of-pocket max-
Charges above the approved amount and for
Charges above the approved amount and for imum. Charges above the approved
services not covered under the medical plan
services not covered under the medical plan amount and for services not covered under
are excluded from the out-of-pocket
are excluded from the out-of-pocket maximum. the medical plan are excluded from the out-
of-pocket maximum. maximum
Preventive Services – limitations apply
Health
100% coverage, 100% coverage, 100% coverage,
Maintenance Not covered Not covered Not covered
one per calendar year one per calendar year one per calendar year
Exam
Annual
100% coverage, 100% coverage, 100% coverage,
Gynecological Not covered Not covered Not covered
one per calendar year one per calendar year one per calendar year
Exam
Pap Smear
100% coverage, 100% coverage, 100% coverage,
Screening Not covered Not covered Not covered
one per calendar year one per calendar year one per calendar year
(lab only)
Well-Baby and 100% coverage, 100% coverage, 100% coverage,
Not covered Not covered Not covered
Child Care limits apply limits apply limits apply
100% coverage, 100% coverage, 100% coverage,
Immunizations includes limited adult Not covered includes limited adult Not covered includes limited adult Not covered
immunizations immunizations immunizations
Mammography
Screening
(one baseline age 80% coverage 80% coverage 80% coverage
35-40; one per 100% coverage 100% coverage 100% coverage
after deductible after deductible after deductible
calendar year
over age 40)
Emergency Medical Care
Hospital $50 copay, $50 copay, $50 copay, $50 copay,
100% coverage 80% coverage
Emergency waived if admitted or waived if admitted or waived if admitted or waived if admitted or
after deductible after deductible
Room accidental injury accidental injury accidental injury accidental injury
$25 copay, $25 copay,
Urgent Care 80% coverage 80% coverage 100% coverage 80% coverage
waived if emergency waived if emergency
Center after deductible after deductible after deductible after deductible
or accidental injury or accidental injury
Ambulance 100% coverage 100% coverage 100% coverage 100% coverage 100% coverage 100% coverage
Services after deductible after deductible after deductible after deductible after deductible after deductible
Physician Office Services
80% coverage 80% coverage 100% coverage 80% coverage
Office Visits $20 copay $20 copay
after deductible after deductible after deductible after deductible
10Medical Coverage:
Your Contributions
(Cont’d)
MESSA Choices 500 Plan MESSA Choices 1000 Plan MESSA ABC Plan 1
Service
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Diagnostic Services
Diagnostic Tests, Labs & X 100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 80% coverage
-Rays after deductible after deductible after deductible after deductible after deductible after deductible
Maternity Services Provided by Physician
Pre-Natal & Post-Natal 80% coverage 80% coverage 100% coverage 80% coverage
$20 copay $20 copay
Care after deductible after deductible after deductible after deductible
100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 80% coverage
Delivery & Nursery Care
after deductible after deductible after deductible after deductible after deductible after deductible
Hospital Care
Physician Care, General
100% coverage after 80% coverage after 100% coverage 80% coverage 100% coverage 80% coverage
Nursing, Hospital
deductible deductible after deductible after deductible after deductible after deductible
Services & Supplies
Outpatient Facility 100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 80% coverage
Services after deductible after deductible after deductible after deductible after deductible after deductible
Alternatives to Hospital Care – limitations apply
100% coverage 100% coverage 100% coverage 100% coverage 100% coverage 100% coverage
after deductible, after deductible, after deductible, after deductible, after deductible, after deductible,
Skilled Nursing Care 120 days per 120 days per 120 days per 120 days per 120 days per 120 days per
calendar year calendar year calendar year calendar year calendar year calendar year
Hospice Care 100% coverage 100% coverage 100% coverage 100% coverage 100% coverage 100% coverage
(limits apply) after deductible after deductible after deductible after deductible after deductible after deductible
100% coverage 100% coverage 100% coverage 100% coverage 100% coverage 100% coverage
Home Health Care
after deductible after deductible after deductible after deductible after deductible after deductible
Mental Health Care and Substance Abuse Treatment
Inpatient Mental Health & 100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 80% coverage
Substance Abuse after deductible after deductible after deductible after deductible after deductible after deductible
Outpatient Mental Health 80% coverage 80% coverage 100% coverage 80% coverage
$20 copay $20 copay
& Substance Abuse after deductible after deductible after deductible after deductible
Other Services
Allergy Testing & 100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 80% coverage
Therapy after deductible after deductible after deductible after deductible after deductible after deductible
Chiropractic Spinal
Manipulation—38
100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 80% coverage
combined visits
after deductible after deductible after deductible after deductible after deductible after deductible
(in & out-of-network) per
calendar year
Outpatient Physical,
Speech, Occupational
100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 80% coverage
Therapy—60 combined
after deductible after deductible after deductible after deductible after deductible after deductible
visits (in & out-of- network)
per calendar year
Durable Medical 100% coverage 80% coverage 100% coverage 80% coverage 100% coverage 100% coverage
Equipment after deductible after deductible after deductible after deductible after deductible after deductible
Life and Accidental Death
& Dismemberment $5,000 $5,000 $5,000
Insurance
11Medical Coverage:
Your Contributions
(Cont’d)
MESSA Choices 500 Plan MESSA Choices 1000 Plan MESSA ABC Plan 1
Service
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Prescription Drug Copays
Pharmacy—34 day supply
Maintenance $2
$2 $2
Generics after deductible
All Other Prescriptions Prescriptions Prescriptions
$10
$10 reimbursed at 75% $10 reimbursed at 75% reimbursed at 75%
Generics after deductible
of approved of approved amount of approved amount
Maintenance amount less in- less in-network $20 less in-network
$20 network copays $20 copays copays
Brand Name after deductible
All Other Brand $40
$40 $40
Name after deductible
Out-of-Pocket $1,000 Single $1,000 Single $1,000 Single $1,000 Single
Not applicable Not applicable
Maximum $2,000 Family $2,000 Family $2,000 Family $2,000 Family
Mail Order—90 day supply
Maintenance $4
$4 $4
Generics after deductible
All Other $20
$20 $20
Generics after deductible
Maintenance $40
$40 Not Covered $40 Not Covered Not Covered
Brand Name after deductible
All Other Brand $80
$80 $80
Name after deductible
Out-of-Pocket $1,000 Single $1,000 Single
Not applicable
Maximum $2,000 Family $2,000 Family
Getting Health Care Online in 2022
When you use Blue Cross Online Visits (previously called Be sure to add your Blue Cross health plan information.
24/7 online health care), you will have access to online
We are pleased to provide this service to covered
medical and behavioral health services anywhere in the U.S.
employees and their enrolled dependents. For an approved
You and your covered family members can see and talk to: absence from work, an in-person visit to a physician and
corresponding note will be required.
A doctor for minor illnesses such as a cold, flu or sore
throat when their primary care doctor is not available.
A behavioral health clinician or psychiatrist to help
work through different challenges such as anxiety,
depression and grief.
Here is what you need to do to use online visits:
Mobile – Download the BCBSM Online Visits app
Web – Visit bcbsmonlinevisits.com
Phone – Call 1-844-606-1608
12Dental
Coverage
Our dental plan is insured by Delta Dental. The Delta AFSCME Local #1860
Dental plan provides access to two of the nation’s largest Non-exempt secretaries and clerical staff without
networks of participating dentists - the Delta Dental other dental coverage
Point of Service PPO network and the Delta Dental Teachers
Premier network. Paraprofessionals
Associations of Birmingham Schools and Supervisory
You may go to any licensed dentist, but you will save the
Personnel (ABSASP) Union
most money if you go to a dentist who participates in one
of the two networks. Central office administrators, exempt secretaries and
operational assistants
Participating dentists adhere to Delta Dental’s processing
policies and are prohibited from billing a patient above The following employees are eligible for the Delta Dental
the pre-negotiated fee, accepting billing under these 50/50 plan:
terms as payment in full. Non-exempt secretaries and clerical staff with other
The following employees are eligible for the Delta Dental dental coverage
100/80 plan:
Delta Dental Delta Dental
Service Point of Service PPO and Point of Service PPO and
Premier Network 100/80 Plan Premier Network 50/50 Plan
Annual Deductible
None None
Type I, II and III Services
Annual Benefit Maximum
$1,000 per person $1,000 per person
Type I, II and III Services
Type I – Preventive/Diagnostic
100% coverage 50% coverage
Diagnostic Services, Preventive Services, Radiographs
Type II—Basic
Oral Surgery, Simple Fillings, Periodontics, 80% coverage 50% coverage
Endodontics, Relines and Repairs of Bridges & Dentures
Type III—Major Restorative 80% coverage 50% coverage
Prosthodontics; Major Restorative Services
Type IV—Orthodontic Services 80% coverage 80% coverage
Lifetime Maximum—Orthodontics $1,000 $1,000
13Vision
Coverage
Our vision plan is insured by Blue Cross Blue Shield of Michigan (BCBSM).
If you are enrolled in MESSA or Opt-Out of medical coverage, you must make an election to enroll in the BCBS vision
plan. You get the most benefits when you receive care from a BCBSM Preferred Provider Organization (PPO)
providers.
Members may choose between prescription glasses (lenses and frames) or contact lenses, but not both.
BCBSM
Service
In-Network Out-of-Network
Eye Exams $7.50 copay Covered 75% after $7.50 copay
One exam in any period of 12 consecutive months
Standard Lenses $7.50 copay
Covered up to
One copay applies to both frames
predetermined amount
and lenses
Not to exceed 65 mm in diameter, when prescribed or dispensed
by a provider. One pair of lenses, with or without frames,
in any period of 12 consecutive months.
Standard Frames $7.50 copay
Covered up to
One copay applies to both frames and
predetermined amount
lenses
One frame in any period of 12 consecutive months
Elective Contacts Covered up to maximum Covered up to maximum
payment of $100 payment of $100
One pair of contact lenses in any period of 12 consecutive months
Medically Necessary Covered up to
Contacts $7.50 copay predetermined amount
One pair of contact lenses in any period of 12 consecutive months
14Basic Life and Earnings are defined as base earnings
not including overtime pay, bonuses,
Reminder:
Accidental commissions, or other extra income. Contact the Life and AD&D
Death & For newly hired employees, in order to
carrier within 31 days of loss
of coverage for information
Dismember- be covered for greater than $300,000 of and instructions on how to
ment Life/AD&D benefits, you must complete
the district provided Statement of
apply for continuation of
coverage.
Health Form and submit it to MetLife. If
the evidence of good health is not A Note About Imputed
approved MetLife, the amount of your Income:
Life/AD&D benefits will not be greater Any employee whose
Birmingham Public Schools provides
than $300,000. company-paid life insurance
its employees Basic Life, Accidental
Death & Dismemberment (AD&D) Current employees whose Life/AD&D amount exceeds $50,000 will
coverage is insured by MetLife. This benefits will exceed $300,000 due to a have the value of the
benefit is paid by Birmingham Public salary increase must complete the insurance over $50,000
Schools. district provided Statement of Health applied as imputed income
Form and submit it to MetLife before when calculating income
For ABSASP Members, taxes. These amounts are
the increased benefits will apply. If the
Superintendent, Central Office taxable to you and will be
evidence of good health is not approved
Personnel, Operational Assistances withheld as payroll tax and
by MetLife, the amount of your Life/
and Administrative Assistants: Basic will be reported on your W-2.
AD&D benefits will not be increased.
Life/AD&D benefits are based on a The monthly rate of imputed
multiple of earnings. All other Life benefits reduce based on age. If you are
income is determined by
employee classes receive a flat dollar not actively at work on the date insurance
multiplying the age-banded
benefit as outlined the table below. would otherwise take effect or increase,
rate by the amount of
insurance will take effect on the day you
For ABSASP Members, insurance over $50,000.
resume active work. Review the carrier
Superintendent, Central Office These rates are found on
certificate / benefit booklet for details on
Personnel, Operational Assistances Table 1 of IRS Code Section
these and other important provisions.
and Administrative Assistants: 79. For more information,
consult your tax advisor.
Employee Class Basic Life and AD&D Amount
An amount equal to two times your basic annual
ABSASP Members earnings, rounded to the nearest $1,000
to a maximum of $500,000
An amount equal to three times your basic annual
Superintendent, Central Office Personnel, Operational earnings, rounded to the nearest $1,000
Assistances and Administrative Assistants
to a maximum of $500,000
Non-Supervisory Custodians, Maintenance &
$45,000
Mechanics of AFSCME Local 1860
BEA Members $45,000
MESPA Members $45,000
MESPA Paraprofessionals $45,000
15Optional Short Term Disability
Disability
Coverage
We offer a Short Term Disability (STD) plan to provide income to employees who
are disabled for a period of time. Full-time eligible employees have the opportunity
to purchase STD through post-tax payroll deductions. This coverage is insured by
MESSA.
Benefits are payable if you become disabled by accidental injury or sickness while
insured and remain disabled beyond the elimination period you elect. You must be
under the regular care and attendance of a physician. You may elect either a seven
or twenty-eight day elimination period.
A pre-existing condition is defined date coverage is scheduled to take
as an injury or sickness or related effect. Review the MESSA STD
medical condition for which medical booklet via this link https://
advice, care or treatment (including www.messa.org/pdf/
prescription drugs) was received short_term_disability.pdf for these
during the three-month period details and other important
ending on the effective date of provisions.
coverage. In the event you have a
pre- existing condition, no benefits
are payable for disability for that
condition. This pre-existing been no loss of time from active
provision expires on the earliest of: employment due to the condition;
1) three consecutive months ending 3) twelve consecutive months if
on or after the effective date of during this time you have been
your insurance if during this time continuously insured.
you do not incur any expenses or Earnings are defined as base
receive any medical treatment or earnings not including overtime
services in connection with the pay, bonuses, part-time
condition; employment, etc.
2) six consecutive months if during Your coverage effective date or any
this time you have been increase in coverage may be
continuously insured and there has delayed if you are disabled on the
16Optional Short Term Disability
Disability
Disability
Coverage
SHORT TERM DISABILITY PREMIUM COST 2022
Monthly Deduction Amount
Weekly Benefit Deduction Amount Deduction Amount
Annual Salary
Amount 8th Day Waiting Period 29th Day Waiting Period
$1,300.00 $20.00 $2.00 $1.40
$2,600.00 $40.00 $4.00 $2.80
$3,900.00 $60.00 $6.00 $4.20
$5,200.00 $80.00 $8.00 $5.60
$6,500.00 $100.00 $10.00 $7.00
$8,000.00 $120.00 $12.00 $8.40
$9,500.00 $140.00 $14.00 $9.80
$11,000.00 $160.00 $16.00 $11.20
$12,500.00 $180.00 $18.00 $12.60
$14,000.00 $200.00 $20.00 $14.00
$15,500.00 $220.00 $22.00 $15.40
$17,000.00 $240.00 $24.00 $16.80
$18,500.00 $260.00 $26.00 $18.20
$20,000.00 $280.00 $28.00 $19.60
$21,500.00 $300.00 $30.00 $21.00
$23,000.00 $320.00 $32.00 $22.40
$24,500.00 $340.00 $34.00 $23.80
$26,000.00 $360.00 $36.00 $25.20
$27,500.00 $380.00 $38.00 $26.60
$29,000.00 $400.00 $40.00 $28.00
$30,500.00 $420.00 $42.00 $29.40
$32,000.00 $440.00 $44.00 $30.80
$33,500.00 $460.00 $46.00 $32.20
$35,000.00 $480.00 $48.00 $33.60
$36,500.00 $500.00 $50.00 $35.00
$38,000.00 $520.00 $52.00 $36.40
$39,500.00 $540.00 $54.00 $37.80
$41,000.00 $560.00 $56.00 $39.20
$42,500.00 $580.00 $58.00 $40.60
$44,000.00 $600.00 $60.00 $42.00
$45,500.00 $620.00 $62.00 $43.40
$47,000.00 $640.00 $64.00 $44.80
$48,500.00 $660.00 $66.00 $46.20
$50,000.00 $680.00 $68.00 $47.60
$51,500.00 $700.00 $70.00 $49.00
17Long Term
Disability
Disability We offer a Long Term Disability (LTD) plan to provide income to employees who
Coverage are disabled for an extended period of time. The coverage is insured by Unum.
A disability is defined as during the elimination period and the first 24 months,
the inability to perform the substantial duties of your regular occupation.
After this period, disability is the inability to perform any job that you are suited
for by way of education, training, and experience.
Benefits for Non-Supervisory Custodians, Maintenance & Benefits are not payable for a disability that is caused by,
Mechanics of AFSCME Local 1860 are payable up to age or contributed to by a pre-existing condition, if the
70 or longer depending on a person’s age at disability. disability starts before the time period provided in the
Benefits are limited to 24 months for mental illness chart below.
conditions unless hospital confined. Benefits for all other
Earnings are defined as base earnings not including
employee classes listed below are payable up to age 65
overtime pay, bonuses, commissions, or other extra
or longer depending on a person’s age at disability.
income. However, ABSASP Members, earnings are
Benefits are limited to 24 months for mental illness
defined in the union contract.
conditions unless hospital confined.
Your coverage effective date or any increase in coverage
A pre-existing condition is defined as a sickness or injury
may be delayed if you are disabled on the date coverage
for which you received medical treatment, consultation,
is scheduled to take effect. Review the carrier certificate /
care or services including diagnostic measures or had
benefit booklet for details on these and other important
taken prescribed drugs or medication during the time
provisions.
period shown in the chart below.
LTD benefits provided by MESSA.
Long Term Disability Benefit
Employee Class Elimination Pre-Existing Conditions
Monthly Benefit
Period Defined Benefits Payable After
66-2/3% of earnings to a
ABSASP Members maximum of $6,000 180 days 30 days prior 5 days
Superintendent, Central Office
Personnel, Operational Assis- 66-2/3% of earnings to a
tances and Administra- tive As- maximum of $8,000 180 days 30 days prior 5 days
Non-Supervisory Custodians,
Maintenance & Mechanics of 50% of earnings to a 180 days 3 months prior 12 months
AFSCME Local 1860 maximum of $800
66-2/3% of earnings to a
MESPA Members maximum of $2,500 180 days 3 months prior 12 months
66-2/3% of earnings to a
MESPA Paraprofessionals maximum of $1,000 180 days 3 months prior 12 months
66-2/3% of earnings to a
BEA Members maximum of $1,000
18Flexible Spending
Accounts
Flexible
Flexible Spending Accounts let you pay for health care and child care expenses
with tax-free dollars. They help you stretch your money and reduce your Spending
federal, state, and Social-Security taxes. How much you save depends on how
much you pay in income tax.
Accounts
There are two types of accounts under this plan: a Health Care Flexible Spending
Account (HCFSA) and a Dependent Care Flexible Spending Account (DCFSA).
Enroll in one account or both. Health Equity administers these plans for us.
With a HCFSA or DCFSA, you decide before the start of the year how much to
contribute to each account. Your pre-tax contributions are withheld in equal
amounts from your paychecks throughout the year. The money goes into an If you enroll in the
account(s) set up in your name. Claim the money in your account(s) by using a MESSA ABC Plan,
debit card for HCFSA expenses only or you can file a claim form for you are not eligible
reimbursement. You may receive reimbursement by either check or direct to participate in the
deposit. Health Care Flexible
Spending Account.
These accounts help you save money.
However, you are
eligible to
participate in the
HSA.
You are eligible to
participate in the
Dependent Care
Flexible Spending
Account.
Without a With a
How the Accounts Save You Money HCFSA or DCFSA HCFSA or DCFSA
Gross Salary $25,000 $25,000
Less Annual Amount Deposited into HCFSA /DCFSA $0 ($2,000)
Taxable Income $25,000 $23,000
Less Annual Taxes (assumed at 25%) ($6,250) ($5,750)
Net Salary $18,750 $17,250
Less Out-of-Pocket Medical and / or Dependent Care
($2,000) N/A
Expenses for the Year
Disposable Income $16,750 $17,250
Tax Savings None $500
19HCFSA
and
Flexible DCFSA
Spending
Account
DCFSA
(Cont’d) This account lets you pay eligible dependent
care expenses with pre-tax dollars. Most child
and elder care and companion services are
eligible expenses too. Your dependents must
HCFSA be:
The HCFSA helps you pay for medical, dental, and vision expenses that Under age 13 or mentally or physically
are not covered by insurance. This includes copays, deductibles, and unable to care for themselves.
amounts over the annual maximum. You can put up to $2,750 into the Spending at least 8 hours a day in your
HCFSA, minimum contribution of $100. The full amount will be available home.
January 1st. Eligible to be claimed as a dependent on
your federal income tax.
When you enroll in a Flexible Spending Account, you will receive a Debit
Receiving care when you are at work and
Card. With one swipe, you can pay eligible expenses at the point-of-
your spouse (if you are married) is at work
service. Payments can be deducted directly from your account and you
or is searching for work, is in school full-
don’t have to file a claim form and wait for reimbursement.
time, or is mentally or physically disabled
and unable to provide the care.
For a complete list of the expenses eligible for reimbursement, visit the You can contribute up to $5,000 into your
IRS website at https://www.irs.gov/pub/irs-pdf/p969.pdf. DCFSA, minimum contribution of $100. But if
both you and your spouse work, the IRS limits
your maximum contribution to a DCFSA.
If you file separate income tax returns, the
annual contribution amount is limited to
$2,500 each for you and your spouse.
Flexible Spending Accounts
If you file a joint tax return and your
2022 Maximum Annual Contribution
spouse also contributes to a DCFSA, your
Health Care: $2,750
family’s combined limit is $5,000.
Dependent Care: $5,000, or $2,500
If your spouse is disabled or a full-time
if married and filing separate tax returns student, special limits apply.
If you or your spouse earn less than
$5,000, the maximum is limited to
earnings under $5,000.
With a DCFSA, you can be reimbursed up to
the amount that you have in your account. If
you file a claim for more than your balance,
you’ll be reimbursed as new deposits are
made.
20HCFSA
and
DCFSA Flexible
Spending
With a DCFSA, you can be reimbursed up to the amount that you have in your
Account
account. If you file a claim for more than your balance, you’ll be reimbursed as
new deposits are made.
(Cont’d)
With a DCFSA, you can be reimbursed up to the amount that you have in your
account. If you file a claim for more than your balance, you’ll be reimbursed as
new deposits are made.
Use It or Lose It—Sounds
Eligible dependent care expenses can either be reimbursed through the DCFSA or
Scary, Doesn’t It?
used to obtain the federal tax credit. You can’t use both options to pay for the
same expenses. Usually the DCFSA will save more money than the tax credit. But Any money left in a HCFSA or DCFSA
to find out what is best for you and your family, talk to your tax advisor or take a account at the end of the year has to be
look at IRS publication 503 at http://www.irs.gov/publications/p503/index.html. forfeited. People call this the “use it or
lose it” rule. This sounds scary, but
If you contribute to a Dependent Care Flexible Spending Account, you must file don’t let it keep you from enrolling in
an IRS Form 2441 with your Federal Income Tax Return. Form 2441 is simply an these accounts.
informational form on which you report the amount you pay and who you paid
You can avoid losing money with some
for day care. planning.
For Both HCFSA and DCFSA Many out-of-pocket costs are predicta-
ble. If you say “Every year I pay my
All claims must be incurred by December 31, 2022 for the 2022 plan year. Claims medical deductible”, why not put the
incurred prior to your enrollment in the plan are not eligible for reimbursement. amount of your deductible into a HCFSA
All 2021 expenses must be submitted to Health Equity by March 31, 2022. You and pay it with tax free money? Or if
should consider submitting your expenses as they occur. This will help avoid year you pay $40 every month for a brand
name drug, set aside $480 ($40 x 12
end processing delays.
months) and pay the copays with tax
free money.
Dependent care expenses can be budg-
eted ahead of time.
And remember that your tax savings are
a “cushion.” You must leave a balance
of more than your tax saving s to “lose”.
Let’s say you deposit $1,000 in an ac-
count— you will save about $250 in
taxes (with a 25% tax rate). Even if you
forfeit $250, you will still break even.
21Travel UNUM Worldwide
Assistance Emergency Travel
Assistance
Services
The Unum worldwide emergency travel assistance Transportation for a friend or family member to join
services are available to you through Assist America Inc. hospitalized patient
When traveling for business or pleasure, in a foreign
Prescription replacement assistance
country or just 100 miles or more away from home, you
and your family (limitations apply) can count on getting Multilingual crisis management professionals
help in the event of a medical emergency. Emergency Medical referrals to Western-trained, English-
travel assistance includes: speaking medical providers
Hospital admission guarantee (limitations apply) Care and transportation of unattended minor child
Emergency medical evacuation For more information, contact Benefits Department or
Medically supervised transportation home Unum at the number listed on the contact page of this
Guide.
22Contact
Information
Provider Benefit Phone Numbers and Websites
Blue Cross Blue
Vision (800) 877-7195 www.bcbsm.com
Shield of Michigan
Delta Dental Dental (800) 524-0149 www.deltadentalmi.com
HealthEquity HSA and FSA (877) 218-3432 www.healthequity.com
Medical
MESSA Short Term Disability (800) 336-0013 www.messa.org
Travel Assistance
Basic Life/
MetLife (800) 275-4638 www.metlife.com
AD&D
Long Term
Unum (866) 879-3054 www.unum.com
Disability
Inside U.S.: (800) 872-1414
Unum / Assist Outside U.S.: +
Travel Assistance (U.S. access code) www.unum.com/travelassistance
America, Inc.
(609) 986-1234
23Required
Required Notices
Notices
To request special enrollment or obtain Newborns’ and Mothers’ Health
more information, contact Benefits Protection Act Notice
Department.
Group health plans and health
HIPAA Notice of Special The Children’s Health Insurance insurance issuers may not, under
Program Reauthorization Act of 2009 Federal law, restrict benefits for any
Enrollment Rights
added the following two special hospital length of stay in connection
If you are declining enrollment enrollment opportunities: with childbirth for the mother or
for yourself or your dependents
The employee’s or dependent's newborn child to less than 48 hours
(including your spouse) because
Medicaid or CHIP (Children's Health following vaginal delivery or less than
of other health insurance or
Insurance Program) coverage is 96 hours following a cesarean section.
group health plan coverage, you
terminated as a result of loss of However, Federal law generally does
may be able to enroll yourself
eligibility; or not prohibit the mother's or the
and your dependents in this plan
if you or your dependents lose The employee or dependent newborn's attending provider, after
eligibility for that other coverage becomes eligible for a premium consulting with the mother, from
(or if the employer stops assistance subsidy under Medicaid discharging the mother or her newborn
contributing towards your or or CHIP. earlier than 48 hours, or 96 hours as
your dependents’ other applicable. In any case, plans and
It is your responsibility to notify
coverage). However, you must insurers may not, under Federal law,
Benefits Department within 60 days of
request enrollment within 30 require that a provider obtain
the loss of Medicaid or CHIP coverage,
days after your or your authorization from the plan or the
or within 60 days of when eligibility for
dependents’ other coverage ends insurance issuer for prescribing a
premium assistance under Medicaid or
(or after the employer stops length of stay not in excess of 48
CHIP is determined. More information
contributing toward the other hours/96 hours.
on CHIP is provided later in this Benefit
coverage). Guide.
In addition, if you have a new
dependent as a result of
marriage, birth, adoption or
placement for adoption, you may
be able to enroll yourself and
your dependents. However, you
must request enrollment within
30 days after the marriage, birth,
adoption or placement for
adoption.
24Women’s Health and Cancer Rights Act of 1998
The Women’s Health and Cancer Rights Act (WHCRA) of 1998 is also
known as “Janet’s Law.” This law requires that our health plan provide
Required
coverage for: Notices
(Cont’d)
All stages of reconstruction of the breast on which the
mastectomy has been performed;
Surgery and reconstruction of the other breast to produce a
symmetrical appearance; and
Prostheses and physical complications of mastectomy,
including lymphedemas, in a manner determined in consultation
with the attending physician and the patient.
Benefits will be payable on the same basis as any other illness or injury
under the health plan, including the application of appropriate
deductibles, coinsurance and copayment amounts. Please refer to
your benefit plan booklet for specific information regarding deductible
and coinsurance requirements. If you need further information about
these services under the health plan, please contact the Customer
Service number on your member identification card.
Michelle’s Law
Effective November 1, 2010, if a full-time student engaged The benefit enrollment communications (the Benefit Guide,
in a postsecondary education loses full-time student status etc.) contains a general outline of covered benefits and does
due to a severe illness or injury, he/she will maintain not include all the benefits, limitations, and exclusions of
dependent status until the earlier of (1) one year after the the benefit programs. If there are any discrepancies
first day of a medically necessary leave of absence; or (2) between the illustrations contained herein and the benefit
the date on which such coverage would otherwise proposals or official benefit plan documents, the benefit
terminate under the terms of the plan. A medically proposals or official benefit plan documents prevail. See the
necessary leave of absence or change in enrollment at that official benefit plan documents for a full list of exclusions.
institution must be certified by the dependent’s attending Birmingham Public Schools reserves the right to amend,
physician. modify or terminate any plan at any time and in any
manner.
Protecting Your Privacy
In addition, please be aware that the information contained
The Health Insurance Portability and Accountability Act of in these materials is based on our current understanding of
1996 (HIPAA) requires employer health plans to maintain the federal health care reform legislation, signed into law in
the privacy of your health information and to provide you March 2010. Our interpretation of this complex legislation
with a notice of the Plan’s legal duties and privacy practices continues to evolve, as additional regulatory guidance is
with respect to your health information. If you would like a provided by the U.S. government. Therefore, we defer to
copy of the Plan’s Notice of Privacy Practices, please contact the actual carrier contracts, processes and the law itself as
Benefits Department. the governing documents.
25
Disclosure about the Benefit EnrollmentPremium Assistance Under
Medicaid and the
Required Children's Health
Notices Insurance Program (CHIP)
(Cont’d)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health
coverage from your employer, your state may have a premium assistance program
that can help pay for coverage, using funds from their Medicaid or CHIP programs. If
you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for
these premium assistance programs but you may be able to buy individual insurance
coverage through the Health Insurance Marketplace. For more information, visit www .healthcare.gov.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State
Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents
might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDSNOW
or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you
pay the premiums for an employer-sponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your
employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a
“special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium
assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor
at www .askebsa.dol.gov or call 1-866-444-EBSA (3272).
If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums.
The following list of states is current as of August 10, 2017. Contact your State for more information on eligibility.
ALABAMA – Medicaid Website: GEORGIA – Medicaid LOUISIANA – Medicaid
www.myalhipp.com Phone: 1-855-692-5447 Website: http://dch.georgia.gov/medicaid Website: http://dhh.louisiana.gov/
ALASKA – Medicaid Click on Health Insurance Premium Payment index.cfm/subhome/1/n/331 Phone: 1-888-
The AK Health Insurance Premium Payment (HIPP) Phone: 1-404-656-4507 695-2447
Program Website: http://myakhipp.com/ INDIANA – Medicaid MAINE – Medicaid
Phone: 1-866-251-4861 Healthy Indiana Plan for low-income adults Website: http://www.maine.gov/dhhs/ofi/
Email: CustomerService@MyAKHIPP.com 19-64 Website: http://www.hip.in.gov public-assistance/ index.html
Medicaid Eligibility: http://dhss.alaska.gov/ Phone: 1-877-438-4479 Phone: 1-800-442-6003
dpa/Pages/ medicaid/default.aspx All other Medicaid: TTY: Maine relay 711
ARKANSAS – Medicaid Website: http://www.indianamedicaid.com MASSACHUSETTS – Medicaid and CHIP
Website: http://myarhipp.com/ Phone: 1-800-403-0864 Website: http://www.mass.gov/MassHealth
Phone: 1-855-MyARHIPP (855-692-7447) IOWA – Medicaid Phone: 1-800-462-1120
COLORADO – Medicaid Website: http://www.dhs.state.ia.us/hipp/
MINNESOTA – Medicaid
Medicaid Website: http:// Phone: 1-888-346-9562
Website: http://mn.gov/dhs/ma/ Phone: 1-
www.colorado.gov/hcpf Medicaid Customer KANSAS – Medicaid 800-657-3739
Contact Center: 1-800-221-3943 Website: http://www.kdheks.gov/hcf/
MISSOURI - Medicaid
FLORIDA – Medicaid Phone: 1-785-296-3512
Website: http://www.dss.mo.gov/mhd/
Website: http://flmedicaidtplrecovery/hipp/ KENTUCKY – Medicaid participants/pages/ hipp.htm
Phone: 1-877-357-3268 Website: http://chfs.ky.gov/dms/default.htm Phone: 1-573-751-2005
Phone: 1-800-635-2570
26MONTANA – Medicaid PENNSYLVANIA – Medicaid
Website: http://dphhs.mt.gov/
MontanaHealthcarePrograms/ HIPP
Website: http://www.dhs.pa.gov/hipp
Phone: 1-800-692-7462
Required
Phone: 1-800-694-3084 RHODE ISLAND – Medicaid Website: Notices
NEBRASKA – Medicaid http://www.eohhs.ri.gov/ Phone: 1-401-
Website: http://dhhs.ne.gov/
Children_Family_Services/
462-5300 (Cont’d)
SOUTH CAROLINA – Medicaid Website:
AccessNebraska/Pages/
http://www.scdhhs.gov Phone: 1-888-549-
accessnebraska_index.aspx
0820
Phone: 1-855-632-7633
SOUTH DAKOTA – Medicaid Website:
NEVADA – Medicaid
http://dss.sd.gov Phone: 1-888-828-0059
Medicaid Website: http://dwss.nv.gov/ WISCONSIN – Medicaid Web-
Medicaid TEXAS – Medicaid
site:https://www.dhs.wisconsin.gov/
Phone: 1-800-992-0900 Website: https://www.gethipptexas.com/
publications/p1/
Phone: 1-800-440-0493
NEW HAMPSHIRE – Medicaid Phone: 1-800-362-3002
UTAH – Medicaid and CHIP
Website: http://www.dhhs.nh.gov/oii/ WYOMING – Medicaid
Medicaid Website: http://health.utah.gov/
documents/hippapp.pdf Website: https://wyequalitycare.acs-
medicaid CHIP Website: http://
Phone: 1-603-271-5218 inc.com/ Telephone: 1-307-777-7531
health.utah.gov/chip
NEW JERSEY – Medicaid and CHIP Phone: 1-877-543-7669
Medicaid Website: http://
VERMONT– Medicaid
www.state.nj.us/humanservices/ dmahs/
Website: http://
clients/medicaid/Medicaid To see if any more states have
www.greenmountaincare.org/
Phone: 1-609-631-2392 added a premium assistance
Telephone: 1-800-250-8427
CHIP Website: http://
program since August 10, 2017, or
www.njfamilycare.org/index.html CHIP VIRGINIA – Medicaid and CHIP
Medicaid Website: http://
for more information on special
Phone: 1-800-701-0710
www.coverva.org/ enrollment rights, contact either:
NEW YORK – Medicaid
programs_premium_assistance.cfm U.S. Dept. of Labor, Employee
Website: http://www.nyhealth.gov/
Medicaid Phone: 1-800-432-5924
health_care/medicaid/ Benefits Security Administration:
CHIP Website: http://www.coverva.org/
Phone: 1-800-541-2831 http://www.dol.gov/ebsa
programs_premium_assistance.cfm CHIP
NORTH CAROLINA – Medicaid Phone: 1-866-444-EBSA (3272)
Phone: 1-855-242-8282
Website: http://www.ncdhhs.gov/dma
WASHINGTON – Medicaid U.S. Dept. of Health and Human
Phone: 1-919-855-4100
Website: http://www.hca.wa.gov/ Services, Centers for Medicare &
NORTH DAKOTA – Medicaid
medicaid/premiumpymt/ pages/ Medicaid Services:
Website: http://www.nd.gov/dhs/
index.aspx http://www.c m s .hhs .gov/
services/medicalserv/ medicaid/
Phone: 1-800-562-3022, ext.15473 Phone: 1-877-267-2323,
Phone: 1-844-854-4825
WEST VIRGINIA – Medicaid Menu Option 4,
OKLAHOMA – Medicaid and CHIP
Website: http://www.dhhr.wv.gov/bms/ Extension 61565
Website: http://www.insureoklahoma.org
Medicaid% 20Expansion/Pages/
Phone: 1-888-365-3742
default.aspx
OREGON – Medicaid Phone: 1-877-598-5820, HMS Third Party
Website: http:// Liability p10095.pdf
www.oregonhealthykids.gov http://
www.hijossaludablesoregon.gov
Phone: 1-800-699-9075
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