Livingston County 2020 Enrollment - 2020 Annual Enrollment begins Thursday, October 17th and continues through Friday, November 1st
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
Livingston County 2020 Enrollment 2020 Annual Enrollment begins Thursday, October 17th and continues through Friday, November 1st Livingston County | 2020 Open Enrollment
Agenda
1. Annual Enrollment
2. 2020 Updates
3. Medical Plans
a. Health Savings Accounts
b. Blue Cross Online Visits (telehealth)
4. Dental Plans
5. Vision Plans
6. Health Care Blue Book
7. Flexible Spending Accounts
8. CIGNA Life, Disability, and Voluntary Benefits
9. Health Advocate
10. Pet Insurance
11. Ulliance Employee Assistance Program
12. What You Need To Do!
13. Wrap Up
Livingston County | 2020 Open Enrollment 2
Annual Open Enrollment
This year we will be having a Passive enrollment. This means you do not need to re-enroll
and your 2019 benefit elections will carry-over into 2020.
You Must Enroll If…
…you wish to participate in the Healthcare or Dependent Care FSA (you must make a new election
every year as these do not carry-over)
…add or delete dependent(s)
…elect a new plan or make changes to your benefits
Changes are effective January 1, 2020 and remain in effect through December 31, 2020
unless you experience one of the following mid-year changes:
Birth or adoption of a child
Marriage or divorce You must notify
Human
Dependent gains or loses eligibility Resources within
30 days of the
Change in spouse’s employment status event to make a
change in your
elections!
Livingston County | 2020 Open Enrollment 3
2020 Updates
Livingston County will continue to offer a full suite benefit package, including maintaining current
coverage levels with Blue Cross Blue Shield of Michigan for medical and prescription drug coverage
– CIGNA claims advocacy services are provided via CIGNA Health Advocate
– Employee Assistance Program (EAP) services will continue being provided via Ulliance
– Life and Disability coverage remains with CIGNA
Per a Livingston County Board vote, elective abortions are no longer covered for non-union
employees under The County’s Blue Cross Blue Shield of Michigan health insurance
Livingston County | 2020 Open Enrollment 4
Medical Insurance
All Medical Plans are administered by Blue Cross Blue Shield of Michigan
(BCBSM)
Livingston County offers various medical plan options (varies based on
bargaining units)
We will be offering the same coverage as we did in 2019:
– PPO 4
– PPO 6
– PPO 1 (only available to some union groups)
– High Deductible Health Plan (only available to non-union employees)
Livingston County | 2020 Open Enrollment 5
When Choosing A Plan…Consider the ABC’s A. Ask yourself: would you rather pay for coverage up front (via premiums paid through payroll deduction) or at the point of service when seeing a physician or paying for a medical service B. Budget accordingly. Can you afford to pay your deductible if you incur a large expense early in the year? C. Consider your previous years’ medical expenses and your known 2020 medical events (planned surgeries, pregnancies, etc.) when choosing a plan Livingston County | 2020 Open Enrollment 6
Medical Plans
High Deductible*
Union Only:
PPO4 PPO6 Health Plan – HDHP
PPO1
(Non-Union)
$2,000 Single
$500 Single $250 Single
Deductible N/A $4,000 Family
$1000 Family $500 Family
(**Aggregate deductible)
You Pay 20% after You Pay 10% after You Pay 20% after
Coinsurance N/A
deductible is met deductible is met deductible
Coinsurance Max – $2,000 single $1,250 single
Includes deductible and N/A N/A
$4,000 family $2,500 family
coinsurance
Total Out-of-Pocket
Max –
Includes, deductibles, $6,350 Single $6,350 Single $6,350 Single $3,000 Single
coinsurance, fixed dollar $12,700 Family $12,700 Family $12,700 Family $6,000 Family
copays and RX Copays
Office Visits $10 copay $10 copay Varies by B/U 20% after deductible
$49 copay/visit until
deductible is met; $0 copay
Online Visits No copay No copay No copay
after deductible plus 20%
coinsurance/visit
***$500 Rx preventive
Prescription Drugs Varies by B/U Varies by B/U Varies by B/U $10/$40/$80 (after
deductible is met)
Livingston County | 2020 Open Enrollment 7
Health Savings Account (HSA) – Non-Union Only
Administered by HealthEquity in partnership with BCBSM
What is an HSA?
– A tax-advantaged medical savings account; contributions are made pre-tax
and funds can be used to pay for qualified medical expenses
– Must be in a qualified high-deductible health plan (HDHP) in order to
contribute to an HSA
Questions About Your HSA?
– Call HealthEquity member services (877-284-9840)
– If you have questions about your medical coverage, call the Customer
Service number on the back of your Blue Cross ID card
Livingston County | 2020 Open Enrollment 8
Health Savings Accounts – Key Rules
Rules of Participating in an HSA:
Must be enrolled in Livingston County’s HDHP (a qualified HDHP/HSA plan)
Cannot be enrolled in another health plan that is not qualified (i.e. Medicare, secondary on spouse’s
plan, etc.) and cannot be claimed as a dependent on someone else’s tax return (dependent children
can draw from your account, but cannot open their own accounts)
Money in your account must only be used for “qualified medical expenses”
Cannot have a Flexible Spending Account (FSA) – any FSA balances must be liquidated/spent.
You have the option of enrolling in a Limited-Purpose FSA (for qualified dental and vision expenses
ONLY)
Advantages of an HSA:
Portability and flexibility
– You own the account
– Funds rollover – NOT a “use it or lose it” account
– Both annual employer contributions and employee contributions (up to IRS limit)
Tax savings and growth
– Lowers your taxable income; Tax free interest growth; Tax free investment growth; Tax free
withdrawals for Qualified Medical Expenses
Livingston County | 2020 Open Enrollment 9
Health Savings Account 2020 Contribution Limits
Maximum
Funding Individual
IRS Maximum Match Provided
Provided By Contribution
Total Contribution By Employer
Employer Allowed After
Amount Allowed (Livingston
(Livingston Livingston
County)
County) County
Tier Contribution
Single $3,550 $500 $500 $2,550*
2 Person $7,100 $1,000 $1,000 $5,100*
Family $7,100 $1,000 $1,000 $5,100*
*Please note an additional $1,000 in catch-up contributions can be made if you are age 55 or older
Livingston County | 2020 Open Enrollment 10Health Savings Accounts – Using Your Funds
How to Access HSA Funds:
Online
– Use your member portal to pay providers electronically
– Mobile App
– Use a linked personal bank account to pay, then reimburse online from your HSA
HSA Debit Card
– Swipe HSA debit card at time of service
– When you receive your bill from your provider you may write in your card number
Unused Funds: Remember to
Unused funds stay with you; save for retirement keep your
receipts!
Interest accrues tax free
Invest any balance in excess of $2,000
– HealthEquity offers a selection of mutual funds and bonds; Investments are tax free
Livingston County | 2020 Open Enrollment 11Blue Cross ONLINE VISITS
Livingston County’s Telehealth Solution:
No fees or copays when seeing a doctor (except those in the HDHP plan - $49 copay
until you’ve hit your deductible)
Utilize for you or your covered dependents Online care is useful for
nonemergency
illnesses, such as:
Sinus and respiratory
1. Take out your
infections
smart phone
Colds, flu and
seasonal allergies
Urinary tract
4. Use BCBS infections
2. Go to the App 3. Download the ONLINE VISITS Vomiting
Store or Google BCBSM Online next time you Headache
Play store Visits app need to see a Strains and sprains
doctor Pinkeye
Rashes
Livingston County | 2020 Open Enrollment 12Dental Plans – Blue Cross Blue Shield of Michigan
Service Union Benefit Non-Union Benefit
Preventive 100% 100%
Basic 50% 80%
Major 50% 50%
Orthodontia (to age 19) Not covered Not covered
Maximum $800 Annually
$1,200 Annually for
$1,200 Annually
DEPS, 911, SGTS, LTS and
EMS
Livingston County | 2020 Open Enrollment 13Vision Plan – EyeMed
Service EyeMed Provider Benefits via the
Access Network
Eye Exams
No copay
Once every 12 Months
Lenses
$10 copay
Once every 12 Months
$130 allowance is applied towards contact lens
Elective Contacts exam and contact lenses (member is responsible
for cost exceeding the allowance)
Frames $130 allowance, 20% off balance
One pair every 12 Months over $130
Lasik or PRK 15% off retail price or 5% off promotional price
40% off hearing exams and a low price guarantee
Hearing Care
on discounted hearing aids
Livingston County | 2020 Open Enrollment 14Healthcare Bluebook
Shop For Your Healthcare
Healthcare Bluebook is your healthcare
transparency solution to…
…help you shop for care, compare facilities,
save money on healthcare services, and
earn rewards.
…save money on your large out-of-pocket
healthcare expenses
The HCBB web and mobile applications make it
EASY TO SAVE MONEY ON HUNDREDS OF
THE MOST COMMON MEDICAL SERVICES
AND PROCEDURES by showing you the cost
ranges in your area, and providing you with a
selection of fair price facilities.
Healthcare
Bluebook is a
FREE service for
members and
their covered
dependents.
Livingston County | 2020 Open Enrollment 15Flexible Spending Accounts
Administered by Navia
Two accounts offered:
– General-purpose Health FSA (if you or your spouse are not contributing to a Health
Savings Account)
– Dependent Care FSA
Your contributions are taken pre-tax out of your paycheck in equal amounts
throughout the year and not included on your W-2 form as taxable income.
Livingston County | 2020 Open Enrollment 16Healthcare FSA
Save money on your out-of-pocket medical expenses, including office visit
copays, deductibles, and other medical, dental, and vision expenses!
By contributing
money to an FSA…
Use It Or Lose It! All
claims must be …you are lowering
Helps you pay for
out-of-pocket medical
submitted by March your adjusted gross
31st for claims
expenses
incurred through income through the
12/31/2019 pre-tax contributions
you make. Through
this tax savings, you
Full election is Eligible to roll over will save, on average,
available to you on a up to $500 of your 30% on eligible
Benefits debit card remaining balance
on January 1st into 2020
healthcare expenses
by using an FSA!
Livingston County | 2020 Open Enrollment 17Dependent Care FSA
A Dependent Care FSA (DCFSA) is a pre-tax benefit account used to pay for
eligible dependent care services, including, but not limited to: preschool,
summer day camp, before or after school programs, and child daycare.
Helps you pay If you’re married,
expenses for care of your spouse must
a dependent so that also work or be a full-
you can work. time student.
You must contribute
You can contribute a
the money into your
maximum of $5,000
account via payroll
into your Dependent
deduction before the
Care FSA. This is a
money becomes
family maximum.
available to you.
Livingston County | 2020 Open Enrollment 18Limited Purpose FSA
For those enrolled in the HDHP with HSA, you have the opportunity to enroll in the Limited-Purpose FSA
through Health Equity.
LFSA allows you to contribute additional pre-tax dollars to use for Dental and Vision expenses only
– The LFSA lets you spend pre-tax money on dental and vision expenses while keeping your HSA
funds for medical and pharmacy expenses.
– Should you elect the LPFSA, you will have two debit cards: one for your FSA and one for your
Limited Purpose account
Before you enroll in an HSA or LPFSA,
you cannot have any money in your FSA.
NOTE Per IRS guidelines, you must liquidate
your account prior to 1/1 if electing the
HDHP/HSA plan.
Livingston County | 2020 Open Enrollment 19CIGNA Basic Life Insurance + AD&D
Your Basic Life and Accidental Death & Dismemberment benefit is paid for by Livingston County.
Coverage is insured by Cigna.
Your benefit varies depending on bargaining unit – please refer to your benefit guide for your specific
benefit amount.
Benefit reductions apply for employees age 70 and older. Please see Human Resources with any
questions.
CIGNA
Benefit Level
Eligibility Class 1 Paramedics
Class 2 MAPE Court Members
Class 3 MAP Sergeants
Class 4 MAPE 911 Dispatch Members
Class 5 LCDSA Deputies, Corrections Officers and Detectives
Class 6 MAP lieutenants
Class 7 Non-Union Members, Elected Officials and Judges
Employee Base Life:
Class 1 - $40,000
Life/AD&D Class 2 - 2 times your Annual Earnings rounded to the next higher multiple of $1,000, if not already a multiple of $1,000.
Benefit Maximum: $200,000
Class 3 - $40,000
Amount Class 4 - 1 times Annual Earnings rounded to the next higher multiple of $1,000. Maximum: $500,000.
Class 5 - $45,000
Class 6 - $50,000
Class 7 - 1 times your Annual Earnings, rounded to the next higher multiple of $1,000, if not already a multiple of $1,000.
Maximum: $500,000
Base AD&D:
All Classes Amount equal to Base life amount
Livingston County | 2020 Open Enrollment 20CIGNA Voluntary Term Life Insurance + AD&D
You may elect to purchase additional insurance through Cigna:
Your benefit varies depending on bargaining unit - please refer to your benefit guide for you specific
benefit amount.
Benefit reductions apply for employees age 70 and older. Please see Human Resources with any
questions.
Additional financial resources if you pass away from a covered circumstance:
Valuable- help your family cover expected and unexpected costs and living expenses
Easy- if you apply during your enrollment period, you may not have to answer medical questions
Portable- you can take your coverage with you if you retire or leave your company prior to age 70
Waiver of Premium- if you become disabled prior to age 60, premium payments are waived
Accelerated life insurance benefits- you can receive the lesser of 75% up to $500,000 if you’re
diagnosed with a terminal condition
Notes:
1. Coverage elections above the guaranteed issue amount require medical underwriting.
2. Higher rates may apply.
3. No premium payments are required if you become continuously totally disabled for the time period specified in your Policy Certificate. Refer to the
plan materials for more specific information, including your plan’s definition of disability.
4. Accelerated death benefits reduce the life insurance death benefit and are payable up to the maximum specified by your plan. See your plan
materials for details and diagnosis requirements.
Livingston County | 2020 Open Enrollment 21CIGNA Disability Insurance (STD and LTD) Disability insurance replaces part of your paycheck when you can’t work for a period of time due to a covered illness or injury. It gives you and your family additional financial protection If you become disabled, you use it like a paycheck to help pay for: – Day-to-day living expenses like groceries, mortgage or utilities – Unplanned costs like medical bills Your benefit varies depending on your bargaining unit – please refer to your benefit guide for your specific benefit amount. Livingston County | 2020 Open Enrollment 22
CIGNA Voluntary Benefits (Accident, Critical Illness, Hospital Indemnity)
Voluntary benefits can provide supplemental coverage in case of an accident, illness, or hospital stay.
Group rates
Payroll deducted
Choices – you select the coverage that suits the needs of you and your family
Accidental Injury (Accident) Insurance:
– Additional coverage when accidents happen (broken bones, burns, torn ligaments, ruptured
discs, stiches, concussions, etc.)
– Benefits may be payable for initial treatment, ER visit, hospitalization, follow-up care
– Off the job accidents only
– Pays a scheduled amount to you based on the injury/accident
• Via check
– Portable
Livingston County | 2020 Open Enrollment 23CIGNA Voluntary Benefits (cont.)
Critical Illness:
– Pays a lump-sum benefit directly to you upon diagnosis of a covered illness (i.e. Heart
Attack, Stroke, Cancer, Paralysis, Coma, ALS, Parkinson’s, etc.)
• Via check
– What you do with your payment is up to you. Pay-outs can be used to cover anything. Some
examples of typical expenditures include: child care, everyday household bills, treatment not
covered by traditional insurance, travel for medical treatment, etc.
– Benefit Election Amounts (no waiting period):
• Employee: $5,000, $10,000, or $20,000
• Spouse: 50% of employee election amount
• Child: 25% of employee lection amount
– Health Screening Benefit ($75 per calendar year)
• Mammography, chest x-ray, cholesterol screening, etc.
– Reoccurrence benefit
• Additional coverage for reoccurring illness
Livingston County | 2020 Open Enrollment 24CIGNA Voluntary Benefits (cont.)
Hospital Care (Hospital Indemnity) Insurance
– Pays a benefit for covered hospital stays resulting from injury or illness. Coverage continues
after your first hospital stay so you have additional protection for future hospital stays.
– You can use your money however you’d like
• For Example: medical bills not covered by your health plan, child care, travel, other out of
pocket expenses
– There are no copays, deductibles, coinsurance, or network requirements
– Additional features include:
• Health Screen Benefit
Livingston County | 2020 Open Enrollment 25CIGNA Value-Added Programs and Services
The following are services available to all Livingston County employees:
– My Secure Advantage
• 30-days’ pre-paid expert money-coaching for all types of financial planning and challenges,
Identity theft prevention and fraud resolution services, online tools for state-specific wills and
other important legal documents
– CIGNA Health Rewards
• Discounts on health and wellness services, including vision and hearing care, diet programs,
fitness centers, massage, chiropractic care and acupuncture.
– Health Advocacy Services (more on this later!)
• Personalized assistance to help employees and their family members (including parents and
parents-in-law) navigate a wide range of health care and health insurance challenges.
– CIGNAassurance
• Free, interest-bearing account for claim payments of $5,000 or more, and access to Life
Assistance, My Secure Advantage and Healthy Rewards for beneficiaries
– CIGNA Secure Travel
• A comprehensive worldwide travel assistance program that includes pre-trip planning and
emergency assistance to covered persons while traveling 100+ miles from home
*These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Customers are required to pay the entire discounted
charge for any discounted products or services available through these programs. Programs are provided through third party vendors who are solely responsible for their products
and services. Full terms, conditions and exclusions are contained in the applicable client program description, and are subject to change. Program availability may vary by plan
type and location, and are not available where prohibited by law.
**Services available at the option of employer for an additional cost and not available to Health Advocates, Inc. existing clients.
Livingston County | 2020 Open Enrollment 26CIGNA Advocacy – Health Advocate CIGNA Advocacy is there to get you the answers you need when you need them as you navigate the complex world of healthcare. Help for you and your family is just a phone call away…get 24/7 support from Health Advocate by calling 866-799-2725 Services Include: Find a doctor based on your needs Locate specialists, schedule appointments Answer questions about diagnoses, test results, treatment medications Address questions and concerns related to your medical bills Find options for non-covered and alternative health services Clarify and get help applying for Medicare, Medicare Supplement insurance, and Medicaid Coordinate care among multiple providers Get assistance with special needs services Find in-home care, adult day care, group homes, and assisted living + long term care Livingston County | 2020 Open Enrollment 27
Pet Insurance – Nationwide Livingston County | 2020 Open Enrollment 28
Employee Assistance Program
Available services include:
• Counseling (telephonic and
face-to-face)
• Support for your family
• Legal & Financial Services
• Work-Life Resources
Call 800-488-8326 for assistance!
Don’t forget to
mention you
work for
Livingston
County!
Livingston County | 2020 Open Enrollment 29Ulliance EAP Services Available To Employees + Dependents Livingston County | 2020 Open Enrollment 30
Open Enrollment Next Steps! This year’s enrollment will be passive – you do not need to complete the online enrollment unless you are electing the Healthcare or Dependent Care Reimbursement Account or electing new or changing current coverage (i.e. adding pet Insurance, switching medical plans, adding critical illness, etc.) Login to your employee Portal to make changes to your benefits no later than 11/1/19 (this is the last day of Open Enrollment). If you are enrolling for Life or Disability coverage for the first time, or you are increasing your voluntary coverage amounts, Evidence of Insurability may be required. Your coverage will not be effective until you have been approved. Livingston County | 2020 Open Enrollment 31
Employee Portal 1. Go to www.livgov.com and click on Employees in the upper right ribbon 2. Next you will need to login with your employee information. 3. Once in your employee portal click on Employee Self Service Livingston County | 2020 Open Enrollment 32
Employee Portal (cont.) 4. Next click on Benefits 5. Then you will need to click on the Open Enrollment link 6. You will now be ready to select your 2020 Benefits 7. Once completed, click Continue Livingston County | 2020 Open Enrollment 33
Wrap Up + Questions
You can also read
