Annual Enrollment Plan Year 2021 October 26 - November 6
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Annual Enrollment
Plan Year 2021
October 26 - November 6
• The time of year LBH benefit programs renew, and
you can change your enrollment by:
• Add or remove plans
• Adding or removing dependents
Annual •
•
Electing spending account contributions
Reviewing all current benefit elections and ensuring the
Enrollment: correct information is recorded for the new plan year
• If you do not participate
What is it? • You cannot change your benefits until the next annual
enrollment period
• UNLESS you experience a Qualified Life Event (QLE),
such as marriage, birth of a child or loss of other
qualified coverage
• When is Annual Enrollment?
• Monday, October 26, 2020 - Friday, November 6, 2020
2021 Annual Passive Enrollment
• Allowing employees to continue benefits with
Enrollment exception of:
• Flexible Spending Accounts & Health Savings
Accounts (Medical, Dependent and Limited
Purpose)
• Current Tobacco and
Spousal Surcharges attestations will carry over
• Action Required if: making changes to any
plans, canceling a plan or newly enrolling in a plan
• Any premium increases from 2020 to 2021 will
automatically happen
• New rate will be on your first paycheck in January
2021
• It’s a good idea to review your current benefit
elections and beneficiary information to make sure
they are still the best fit for you and your eligible
dependents for 2021
• Live Webinar Educational Sessions
• Recorded Presentations
• Live chats/1:1 appointments available with vendors
• NEW External Benefits Page: www.lifebridgehealth.org/benefits
• No on-site benefit fairs
• Home Mailers
• Save The Date Postcard – Mailed 09/30/2020
• Newsletters & Medical Option Charts – Mailed 10/19/2020
• Reminder Postcard -Mailing 10/29/2020
• Digital Benefit Guides
• All-User Communications
• NEW EnrollSmart Campaign (MetLife)
• After Annual Enrollment
If you attend a live webinar session you will be
• Newly Added Dependents – Dependent Verification automatically entered into a raffle to win prizes such
• Life and Disability elections may require underwriting as gift cards!
• Cards mailed home when:
• Newly electing medical, dental, & Spending Accounts*
• All LifeBridge Health entities (except Grace Medical Center)
• Global Human Resources (GHR)
• Must be within the LBH Network to access the Benefit Enrollment area (New
Security Feature)
• Must use updated Microsoft Edge Browser
Enrollment • Access GHR with your existing network access credentials
• Enrollment Call Center
Experience • Phone Number: 855-736-1446
• Available: Monday – Friday from 9:00 AM – 9:00 PM
• Schedule an appointment with an enrollment counselor!
https://v3.rivs.com/schedule/2020%20LifeBridge/
• Grace Medical Center
• ADP Enrollment Platform
• ADP WorkForce Now
• Enrollment Call Center
• Phone Number: 877-339-1331
• Available: Monday – Friday from 9:00 AM – 9:00 PM
• Schedule an appointment with an enrollment counselor!
https://v3.rivs.com/schedule/2020%20LifeBridge/
Dependent Verification Process • All required documentation must be received by the Benefits Team as soon as possible. You can submit documentation via email at LBH_Benefits@lifebridgehealth.org. You can also fax your required documents to the ATTN: Benefits Team at 410-469- 5161. • Your dependent(s) will not have coverage until we receive the documentation. If documentation is not received within 30 days of your enrollment, your dependent will not be eligible for coverage until the next open enrollment period unless they experience a qualifying life event. Please reference your Benefits Guide for further details and list of required supporting documents. • If you have any questions regarding this process, please contact your site HR team or benefits at LBH_Benefits@lifebridgehealth.org.
Plan DOES NOT Plan DOES Notes
Roll Forward Roll Forward
Medical/Prescription X
Dental X
DO I NEED TO TAKE
ACTION? Vision (Carroll Hospital & Grace
Medical Center
X
NEW Vision ( LBH Entities) X
Health Savings Account (HSA) X A new election is required every
year. Contributions can be
• You are encouraged to changed during the year.
review all benefits and actively Flexible Spending Accounts X A new election is required every
enroll year
Short-Term & Long-Term X
• The chart summary Disability
highlights which plans require Supplemental Life Insurance & X
active elections versus those AD&D
that will roll forward if no Accident Insurance X
changes are recorded for 2021
Critical Illness Insurance X
• If you waived coverage in
2020, your coverage will be Other Voluntary Benefits X
(Legal, Identity Theft, Pet
waived again for 2021. Insurance, etc.)
What to • Health Plans
Expect: • CareFirst BlueCross BlueShield Premium and
Health Saver Plans: 2% increase
Premiums • Kaiser Health Plan (Levindale Union):
Costs 4.2% increase
• Dental Plans
• Cigna Dental: 2% increase
• UCCI Dental (Sinai & Levindale Union): No change
• VSP VISION
• Offered to ALL LBH employees
• Lower Premiums for Carroll Hospital, Carroll Health Group &
Grace Medical Center
• Krieger Eye Discounts
• Continue to be offered to LBH employees
What to
• MetLife Legal Plans
Expect: NEW • NEW Parents Plus Coverage
CHANGES • CareFirst Provider Search Tool
• Easier Access to locate a provider
• Simplified Underwriting Process for Life Insurance
• Answer 5 simple questions
Month of LBH Installment Individual Family
HSA Seed Funding
January 2021 $350 $700 Contributions
July 2021 $350 $700 • Employer Seed Funds
• Individual up to $700
Total $700 $1,400
• Family up to $1,400
• Provided in two installments:
• January 2021
• July 2021
2021 HSA Contribution Limits from IRS
Individual Maximum Contribution $3,600 Employee must be benefit eligible, on the first of
the installment month in order to be eligible for
Family Maximum Contribution $7,200 the contribution
55+ Additional Contribution $1,000
Contribution limits include any employer +
employee contributions• $2,750 contribution limit*
• Eligible when waive medical or enroll in Premium or Kaiser Health Plan
Flexible • Use it or lose it
Spending • $550 Carryover
Account
• $5,000 contribution Limit
• Dependent eligible through 13th birthday
Dependent • Eligible when incurring dependent expenses and dependent is under 13
Care Spending • Use it or lost it
Account
Spending $3,600 for individual
• $7,200 for family
• Additional $1,000 HSA Catch-up contributions for 55 and older
Accounts
Health Savings• Eligible when enrolled in Health Savers Plan*
Account • Contributed funds stay with employee until spent on eligible expenses
• $2,750 contribution limit
Limited • Eligible when enrolled in Health Savers Plan
Purpose • Use it or lose it
AccountEmployee Assistance Program (EAP)
Remember LifeBridge Health provides this benefit at no cost to all employees and household members
Services • Behavioral and Mental Health Consulting • Legal Assistance
• Financial Consultation • Nutrition Consultation
• Parenting Resources • Manager Consultations
• Work-Life Balance Research/Referrals • Career Assessment
• Eldercare Resources • Crisis Response
Need to Know We all are confronted with changes and challenges. Once in a while we need
help in facing these times. LifeBridge Health partners with Carebridge
Corporation to provide such assistance.
Carebridge offers confidential short-term assistance for employees, spouses
and dependents up to the age of 26 and abides by all HIPPA laws.
How do you Toll Free: 800-437-0911
Contact the EAP? Website: www.myliferesource.com
Email: clientservice@carebridge.com
Access: 24 hours a day/seven days a week
Be sure to use the LifeBridge Health Access Code: KKNH3Carebridge Secure Member Website Navigating the site is easy! www.myliferesource.com Access Code: KKNH3
Carebridge EAP App – provides
resources wherever and whenever
you need them!
Listen to Mindfulness Podcasts
View the featured Monthly Webinar
Quarterly Carebridge Service Highlight
Chat to request a call backWellness Program
CareFirst has partnered with
Sharecare, Inc. to bring you a
wellness program that puts the
power of health directly in your
hands.
You can access the program’s
personalized tools whenever and
wherever you want, either online
This wellness program is administered by Sharecare, Inc., an independent company that or through the mobile app.
provides health improvement management services to CareFirst members. Sharecare, Inc. does
not provide CareFirst BlueCross BlueShield products or services and is solely responsible for the
health improvement management services it provides.Wellness resources Access motivating digital resources anytime, anywhere: ▪ RealAge®: Learn the physical age of your body, compared to your calendar age with the online health assessment ▪ A personalized health timeline: Receive recommendations, content and programs ▪ Trackers: Connect your wearable devices or enter your own data to monitor sleep, steps, nutrition and more ▪ Challenges: Provide extra motivation for achieving your health goals ▪ A health profile: Access your important health data all in one place ▪ Inspirations and Relax 360°: Break free from stress, unwind at the end of the day or ease into a restful night of sleep with meditation, streaming music and videos
As part of your wellness program, you have access to additional support resources like: ▪ Health coaching ▪ Weight management ▪ Tobacco cessation ▪ Financial well-being
Getting started Visit carefirst.com/sharecare You’ll need to: ▪ Enter your CareFirst My Account username and password, and ▪ Complete the one-time registration with Sharecare.
Preventive Remember, your preventive care
with an in-network provider is at no
Care cost to you.
- Annual adult physical
- Well child exams
- Routine immunizations
- Annual GYN check up
- Routine cancer screenings (mammogram,
cervical cancer screening, prostate cancer
screening, colonoscopy, skin cancer
screening)
- Routine prenatal maternity services
CareFirst BlueCross BlueShield Proprietary and Confidential 20My Account: wherever you are
▪ View claims and Explanation of Benefits
(EOBs)
▪ Find a doctor, facility or pharmacy
▪ Check your benefits
▪ View, order and print ID cards
▪ Estimate medical expenses
carefirst.com/myaccountCigna Dental
Percentage Your Plan Pays
Total Cigna DPPO Out-of-network*
Class I – Preventive care 100%, No Deductible 100%, No Deductible
Class II – Basic restorative** 80%, After Deductible 60%, After Deductible
Class III – Major restorative** 80%, After Deductible 50%, After Deductible
Class IV – Orthodontia** 50%, No Deductible 40%, No Deductible
Class VIII – (Other) ** 50%, After Deductible 40%, After Deductible
Individual Family
Annual deductible $50 $150
Calendar-year maximum $1,500 per person $1,500 per person
Lifetime maximum: Orthodontia – $1,200 $1,200
dependent child up to age 19We're here 24/7/365
YOUR VSP
VISION BENEFITS
MEMBERS FIRST,
MEMBERS FOR LIFE
[Company Logo Here]
PROPRIETARY AND CONFIDENTIAL | 24VSP PLAN AT A GLANCE
Lifebridge Health
Signature Plan
Exam • WellVision Exam covered every calendar year $0 Copay
Frame Allowance $150 Frame allowance every calendar year
Lenses
• Single vision, lined bifocal or lined trifocal lenses for adults. $0 Copay included in glasses.
(every calendar year)
Lens Enhancements • Standard Progressive and polycarbonate lenses for children covered with $0 copay
Contact Lens Allowance
$130 allowance for contacts lenses and copay up to $60 for contacts lens exam (fitting and evaluation)
(in lieu of glasses)
Diabetic Eyecare
Services related to diabetic eye disease glaucoma, and age-related macular degeneration. $20 Copay
Plus Program
Retinal Screening No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam.
Computer Vision Care $100 frame allowance
PROPRIETARY AND CONFIDENTIAL | 25USING YOUR BENEFIT IS EASY
Once you’re enrolled…
• Create an account at vsp.com and review
your benefit information
• Find a VSP in-network doctor by visiting
vsp.com or calling 800.877.7195
• No ID card needed, at your appointment,
simply tell them you have VSP
PROPRIETARY AND CONFIDENTIAL | 26DISABILITY COVERAGE Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna 27
Disability coverage
Your ability to earn a living is a valuable asset.
It pays part of your salary when you can’t work due to a covered illness or injury. You can have your
weekly/monthly benefit payments deposited directly into your checking or savings account.
The need
for more >60%
One in four 29%
financial 20-year-olds in the of insured working- of disabled
protection United States will age Americans Americans are
become disabled struggle to pay their working age***
before retirement* medical bills**
* Social Security Administration, “The Facts about Social Security’s Disability Program.” January 2019.
** Kaiser Family Foundation Health Tracking Poll. February 2017.
*** United States Census Bureau, “Disability Characteristics, 2017 American Community Survey.” September 2018.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2020 Cigna 28Accident insurance –
Key features
Guaranteed issue coverage12
Payments are made directly
to you to spend as you choose
Claims are paid fast13
Take coverage with you if you change jobs or retire14
L0919517884[exp0221][All States][DC,GU,MP,PR,VI] 29
Metropolitan Life Insurance Company, New York, NY 10166 © 2019 MSSAccident insurance – Sample covered events
Medical Services
Injuries Hospital – Accident
& Treatments
• Fractures/dislocations • Ambulance • Admission
• Concussion • Emergency/non- • Confinement
emergency care • Admission – ICU
• Coma
• Physician follow-up • Confinement – ICU
• Cuts/lacerations • Therapy services • Inpatient Rehab Unit
• And more • Inpatient surgery
• And more
Dismemberment,
Accidental Death Additional Benefits
Loss & Paralysis
• Accidental Death • Dismemberment & Loss • Lodging15
• Common Carrier17 • Catastrophic • Health Screening Benefit
Dismemberment & Loss (Wellness)16
• Paralysis
L0919517884[exp0221][All States][DC,GU,MP,PR,VI] 30
Metropolitan Life Insurance Company, New York, NY 10166 © 2019 MSSCritical illness insurance – Key features
• Lump sum payment to use as you
see fit when diagnosis is verified
• Recurrence benefit22
• Guaranteed issue coverage23
• No waiting periods or
age restrictions24
• Same level of coverage for the
Spouse25
• Portable (continuation of coverage)26
L0919517884[exp0221][All States][DC,GU,MP,PR,VI] 31
Metropolitan Life Insurance Company, New York, NY 10166 © 2019 MSSCritical illness insurance – Overview
Covered Conditions
• Cancer27
• Heart attack
• Stroke28
• Major organ transplant
• Alzheimer’s disease29
• Coronary artery bypass graft30
• Kidney failure
• Plus 22 listed conditions31
The No. 1 reason for bankruptcy is due to medical bills.32
1 in 5 working age Americans with health insurance have trouble
paying off their medical bills.33
L0919517884[exp0221][All States][DC,GU,MP,PR,VI] 32
Metropolitan Life Insurance Company, New York, NY 10166 © 2019 MSSCritical illness and Accident insurance
– Health screening benefit
MetLife provides an annual health
screening benefit36 for taking one of the
eligible screening/prevention measures.
This coverage would be on top of the total
benefit amount payable for previously
mentioned covered conditions.
Your health screening benefit amount
is: $50
$50
Health screening benefit
L0919517884[exp0221][All States][DC,GU,MP,PR,VI] 33
Metropolitan Life Insurance Company, New York, NY 10166 © 2019 MSSLegal services –
Key features
• No deductibles, claim forms,
or copays
• Coverage: Spouses, eligible dependents, and now
Parents
• No usage limits – full service on an unlimited
number of some of the most common personal legal
matters
• Access to experienced, credentialed network
attorneys in person or by telephone
• Access to services in all 50 states, most U.S. For more information,
territories, and worldwide call 1-800-821-6400
or go to info.legalplans.com.
• Convenience of payroll deduction
L0919517884[exp0221][All States][DC,GU,MP,PR,VI] 34
Metropolitan Life Insurance Company, New York, NY 10166 © 2019 MSSAdditional Voluntary Benefits
Identity Theft
Pet Insurance
Protection
Home & Auto
Discount Program
(no payroll
deductions offered)Additional Voluntary Benefits
Employee LifeBridge
Credit Union
Assistance Health and
Membership
Program Fitness Discount
Adoption Phase-In Tuition
Assistance Retirement AssistanceSummary
Visit Visit the NEW external Benefits website
Review Review 2021 Annual Enrollment Newsletter (mailed to your home)
Join Join one of our live benefits webinars or view the recorded presentation
Review Review 2021 Benefit Guide (found on the new Benefits website and MyMobileWallet)
Make your 2021 benefit elections using GHR (LBH employees except Grace Medical Center) or
Make
ADP ( Grace Medical Center employees) and by phone with an enrollment counselor
Send all dependent verification documentation to the NEW Benefits Team email address at
Send
LBH_Benefits@lifebridgehealth.org
Print Print your Benefits Election Confirmation Statement
Pay close attention to benefit information such as dependent verification and underwriting
Watch For
communication
Check Check your first pay check in January 2021!Thank you! Reminder Annual Enrollment Dates: Monday, October 26, 2020 – Friday, November 6, 2020 If you have any questions or concerns you can send the Benefits Team an email at LBH_Benefits@lifebridgehealth.org
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