Open enrollment guide anne arundel county public
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PLAN YEAR 2018
OPEN ENROLLMENT GUIDE
The annual benefit Open Enrollment period is October 30?November 12, 2017 for plan year 2018. You must go online to > Staff > Benefits > Benefits Enrollment if:
? Your spouse is covered by your AACPS medical plan (certification required--see page 4) ? You want to change your current coverage(s). ? You want to enroll for coverage you do not currently have. ? You want to add or drop a dependent. ? You want to participate in a flexible spending account (FSA) for 2018.
Note: You must enroll (or re-enroll) to annually participate.
Ready for Enrollment
Anne Arundel County Public School (AACPS) continues to provide employees with quality benefit options to meet your needs and the needs of your family. Available benefits include access to:
? Medical, prescription, dental, and vision coverage ? Life insurance ? Flexible spending accounts ? Supplemental retirement plan options ? Voluntary benefit coverages
During the annual benefits Open Enrollment period (October 30?November 12) be sure to review your coverage options and make choices that best meet your family's needs. Review this guide for helpful benefits information, including reminders and updates on what you can expect for the upcoming year.
2018 Healthcare Plan Funding Highlights
The Board of Education works collaboratively with employee bargaining units to negotiate agreements. The Board has continued to make clear its commitment to maintain highquality affordable healthcare options for employees.
Funding of Healthcare Benefits has been negotiated as follows:
BlueChoice Low Option BlueChoice Triple Option PPN Dental Vision
2017 Board Funding
Units III, IV ? 95% Units I, II, V, VI ? 93%
90.5% for individuals only
Units III, IV ? 92% Units I, II, V, VI ? 90%
All Units ? 70%
All Units ? 75%
All Units ? 80%
2018 Board Funding
Units III, IV ? 94% Units I, II, V, VI ? 91%
90.5% for individuals only
Units III, IV ? 89% Units I, II, V, VI ? 88%
All Units ? 70%
All Units ? 75%
All Units ? 80%
P2 Enroll for Benefits On-line P3 What's New for 2018 P5 What's Staying the Same for 2018 P6 Who's Eligible
P7 Attend Open Enrollment Meetings P8 Benefit Highlights P10 Prescription Information P14 AACPS Healthcare Costs for 2018
P18 CareFirst Medical Charts P20 Important Notices
See Page 7 for dates/activities for upcoming Open Enrollment and Wellness Fairs
QUESTIONS? Contact the HR/Benefits Office at 410-222-5221, 410-222-5219, or 410-222-5206; or email us at benefits@.
GO TO: > Staff > Benefits > Benefits Enrollment.
Enroll for Benefits On-Line
The annual Open Enrollment period is your opportunity to make changes to your benefits coverage for the upcoming plan year. After Open Enrollment ends, you cannot make changes in your healthcare coverage until the next year's Open Enrollment period unless you have a qualifying change in your family status (such as marriage, divorce, birth of a child, etc.). For lifestyle changes, contact HR/Benefits.
questionnaire) through the on-line Benefits Enrollment site or obtain hard copies at your work location. You will need these forms to enroll in or change your current level of voluntary life insurance coverage. Evidence of Insurability is required for any new enrollments or for any changes in coverage. Applications and questionnaires are due to Human Resources/Benefits by November 12, 2017.
If you are satisfied with your 2017 benefit elections, you do not have to take any action for 2018 UNLESS your spouse is covered by your AACPS medical plan, or you wish to
The annual Open Enrollment period is also a good time to check your coverage--even if you do not plan on making any changes. Go online to:
commence a Flexible Spending Account (FSA) for 2018. If you do not take action during the Open Enrollment period, all your 2017 elections will roll over to 2018 except FSAs. You must actively enroll in FSAs each year if you want to participate.
? Verify your current elections and dependents. ? Review your 2018 premiums. ? Review information about FSAs
(click the link to Discovery Benefits) ? Review information about long-term care insurance
To complete the spouse coverage certification, enroll in a 2018 FSA, or to make any changes to your other 2017 benefit elections for 2018, you must enroll online.
(click the link to Unum; note: applications for long-term care insurance are due to HR/Benefits by November 30)
You can also review other enrollment information including:
To enroll on-line, go to: > Staff > Benefits > Benefits Enrollment. Actions that you can take during Open Enrollment include:
? Enroll for or change your medical, dental, and/ or vision coverage.
? Enroll in a 2018 FSA.
? Add dependents up to age 26 for healthcare coverage (or drop dependents from coverage).
? 2018 Benefits Guide (will be posted on-line by 10/23/17) ? 2018 Healthcare Rates ? BCBS Benefit booklet (including medical, dental,
prescription, and vision information) ? BCBS Dental and Vision options ? Summaries of Benefits Coverage (SBCs) ? Discovery Benefits (FSA) Information ? Voluntary Term Life Insurance Application ? Long-term Care Insurance Information
NOTE: Any new eligible dependents added to your healthcare coverage require proof of eligibility such as a birth certificate for your dependent child or a marriage license and a second supporting document for your spouse. Documentation can be submitted online through Benelogic.
You may also obtain the Voluntary Life Insurance Application and Evidence of Insurability (medical
? Preventive Guidelines
NOTE: To enroll on-line, you will need your user ID and password. Your user ID matches your AACPS e-mail name. For instance, "Maureen Durant" is "mdurant." If you forget your password, click the "Forgot User ID/ Password" and enter your user ID and social security number. If you answer two security questions correctly, you will be prompted to reset your password. If you have problems signing on, call HR/Benefits (410-222-5219/21) or the Help Desk (410-222-5135).
What's New for 2018
The following chart highlights what you can expect related to your benefits for the upcoming year.
CHANGE CareFirst Medical and Dental premiums increase Board funding will decrease for the HMO and Triple Option medical plans.
Prescription Co-pays increase
WHAT IT MEANS FOR YOU
Due to increased medical and prescription costs in 2017, medical premiums will be increasing by approximately 5% for 2018. CareFirst dental (Traditional and PPO) premiums will increase by 3% and United Concordia DHMO will increase by 5%.
In 2018, board funding will be as follows:
Units I, II, V and VI: 91%
BlueChoice Triple Option Units I, II, V and VI: 88%
Units III and IV: 94% Units III and IV: 89%
Prescription co-pays will increase in 2018, and a specialty co-pay will be introduced for employees in all units (already implemented in 2017 for Units V and VI).
Mail Order/Maintenance Choice
$5 (no change)
Units I, II, III, IV: 50% up to a max of $50 Units I, II, III, IV: 50% up to a max of $100
Units V and VI: $75
Units V and VI: $150
New CareFirst Healthcare Cards Spousal Surcharge
New Employee Healthcare Eligibility Requirements
Emergency Room Co-pays Increase HMO PCP and Specialist Co-pays Increase Out-of-pocket maximums increase for BlueChoice Triple Option Levels II and III Long-term Care Premiums increase Medical Flexible Spending Account
All CareFirst medical members will receive a new card before the end of December due to prescription co-pay changes and increased BlueChoice HMO co-pays.
There will be a surcharge in addition to the regular medical premium for employees who cover a spouse under the AACPS BlueChoice HMO or Triple Option medical plans (see page 4). Employees must go online during Open Enrollment to certify whether or not their spouse is eligible for an exemption from the surcharge.
Employees hired on or after December 1, 2017, must meet new requirements to be eligible for healthcare (see page. 4). Employees must work a certain number of hours, or full-time equivalent (FTE). The requirements differ by unit: Units I, II, V and VI: 0.5 FTE Unit III: 4 hours per day (i.e. 20 hours per week) Unit IV: 15 hours per week Current employees, with a hire date of November 30, 2017, or before, are grandfathered.
Emergency room co-pays will increase from $50 to $65 in 2018 (waived if admitted).
HMO co-pays will increase as follows: Primary Care Physician $5 to $10 | Specialist $10 to $15
These limits are designed to limit employee annual out-of-pocket costs (deductibles, co-pays, etc) The out-of-pocket maximum will increase for Level II to Individual $1,000/Family $2,000 The out-of-pocket maximum will increase for Level III to Individual $2,000/Family $4,000
Current Unum participants will receive notice of a 15% rate increase for premiums effective January 1, 2018. New enrollees will be subject to the rate increase as well.
A minimum deferral of $50 is required to participate in the Medical and Dependent Care FSA Plans. Unused balances in the Medical FSA between $50 and $500 are eligible to rollover to the subsequent year. Balances less than $50 are forfeited.
Continued on next page 3
What's New for 2018 cont.
Beginning with the January 3, 2018 pay, employees covering a spouse in the BlueChoice HMO or Triple Option medical plan will have a surcharge added to their biweekly premium according to the chart below:
Eligibility For Healthcare
Beginning January 1, 2018, employees hired on or after December 1, 2017 must work a certain minimum number of hours or FTE (full-time equivalent) in order to be eligible for healthcare:
UNIT I, II, V, VI
PER MONTH $40 $30
22 PAY $21.82 $16.36
26 PAY $18.46 $13.85
These charges are in addition to the regular medical premium for employees who cover a spouse under the AACPS medical plan. If an employee's spouse is working at an employer that offers group medical insurance and the employee elects coverage for the spouse in the AACPS BlueChoice HMO or Triple Option plan (family or employee/spouse coverage), the employee will pay a surcharge.
There are five situations where an employee may cover a spouse in an AACPS medical plan and the surcharge will not apply:
? Spouse is unemployed
? Spouse is self-employed as a sole proprietor
? Spouse is also a current AACPS employee, or is an AACPS retiree
? Spouse is not eligible for healthcare coverage at his/ her employer, or his/her employer does not offer healthcare coverage
? Employee and spouse are enrolled in the AACPS PPN or HMO Low Option plan
Employees must go online during Open Enrollment to certify whether or not their spouse is eligible for or exempt from the surcharge. Any employees who do not complete the certification, and who cover a spouse under the AACPS BlueChoice HMO or Triple Option plan, will incur the surcharge by default. The online Spouse Coverage Certification must be completed every year.
UNIT I II III IV V VI
MINIMUM REQUIRED 0.5 FTE 0.5 FTE 4 hours/day (i.e. 20 hours/week) 15 hours/week 0.5 FTE 0.5 FTE
Employees with a hire date of November 30, 2017, or before, will be grandfathered and eligible for healthcare regardless of FTE (whether they are currently covered or elect coverage in the future), with premiums determined by the current tier structure:
TIER 1 2 3
FTE 0.75?1.0 0.46?0.749 0.1?0.459
If an employee does not go online and complete the certification, and the spouse is eligible for exemption, the surcharge will cease upon submission of a paper certification to HR/Benefits. There will be no refund of any surcharge deductions taken prior to receipt of the certification.
Documentation will not be required; however, falsifying information regarding a spouse's eligibility for medical coverage may result in the application of a spousal surcharge (in addition to any healthcare premium costs), a reduction or loss of benefit or reversal of claim payments, and/or disciplinary action including termination of employment.
FAQs will be posted on the Intranet.
What's Staying the Same for 2018
While some things are changing in the new plan year, many of AACPS' great benefit programs are staying exactly the same. Here are some highlights of what is staying the same in 2018.
BENEFIT/FEATURE Vision premiums
WHAT IT MEANS FOR YOU Vision premiums will remain at the 2017 rate.
Funding remains the same for the PPN, dental, and vision plans Voluntary Life available during Open Enrollment
Generic Prescription co-pay stays the same Long-term care available during Open Enrollment Wellness visits are covered in full
There will be no healthcare plan funding changes for the PPN (70%), dental (75%), and vision (80%) plans for 2018.
Rates will remain the same for 2018. If you are interested in increasing your voluntary life benefits or wish to purchase life insurance, Evidence of Insurability applies. Forms will be available at the Open Enrollment and Wellness fairs or download them at humanresources/lifeinsurance.asp
The co-pay for generic medications will remain the same: $5 retail and $10 maintenance choice/mail order (90 day supply).
Employees may enroll in long-term care insurance subject to Evidence of Insurability. Download the application package at . Submit directly to Unum by November 30.
In accordance with the Patient Protection and Affordable Care Act (PPACA), wellness visits, including annual physicals and well childcare visits, remain at zero co-payment.
Dependents up to age 26 may be covered through your AACPS healthcare plan
Children up to age 26 may be covered through your AACPS healthcare program. Disabled children covered prior to age 26, may continue coverage per carrier approval.
Dependent documentation is required for Open Enrollment changes by November 30, 2017
You are required to provide proof of your relationship to any dependents added to your AACPS benefits coverage during the annual Open Enrollment period before the coverage is approved. Documentation for newly added dependents must be submitted online through Benelogic by November 30, 2017 to your "File Cabinet" (under "Tools" on-line when you add the dependent) or HR/Benefits. Failure to provide documentation on a timely basis may result in termination of coverage for your dependents.
Biometric screenings and flu shots available at Open Enrollment and Wellness Fairs
Although participation is voluntary, we encourage you to participate in a biometric screening and obtain a flu shot available at no cost to you at our Open Enrollment and Wellness Fairs (see schedule on page 7 of this guide for more information). Biometric screenings can provide you with useful information regarding your health.
The Employee Assistance Plan (EAP) through BHS
The EAP administered through BHS continues to be available to all employees and their household members for up to six free sessions per episode. Financial, legal, and dependent/ elder assistance is available, as well as wellness coaching.
Summaries of Benefit Coverage are available on-line
National healthcare laws require that all plan participants have documents called
Summaries of Benefit Coverage (SBCs). You can access SBCs on-line at > Staff > Benefits > CareFirst BlueCross BlueShield.
GO TO: > Staff > Benefits > Benefits Enrollment.
You are eligible to participate in the AACPS benefits program described in this guide if you are a:
Permanent active employee working the required minimum hours*:
? Units I, II, V, and VI ? 0.5 FTE ? Unit III ? 4 hours/day (i.e. 20 hours/week) ? Unit IV ? 15 hours/week Employee on a leave of absence, on Family Medical Leave, or on a sabbatical
Temporary employee working at least 30 hours/week
Former employee or dependent enrolled in COBRA
* Employees with a hire date of November 30, 2017, or before, are grandfathered and not subject to required minimum hours
You may also cover your eligible dependents through AACPS healthcare benefits.
WHO IS AN ELIGIBLE DEPENDENT ? Your legally married spouse ? Your children, up to age 26 ("Children" include your natural children, legally adopted children, foster children, stepchildren, any children who live with you and for whom you are the legal guardian, and any children you are responsible for as a result of a court-ordered custody arrangement) ? Your disabled children of any age (proof of disability required) approved prior to age 26.
WHO IS NOT AN ELIGIBLE DEPENDENT ? Your live-in/domestic partner ? Children of your live-in/domestic partner ? Your parents ? Your grandchildren (unless you are their legal guardian) ? Your children over age 26 (unless medically disabled) ? Your spouse after you've divorced ? Your stepchildren after you and your spouse (children's parent) divorce
If you have questions about eligibility and coverage, contact HR/Benefits at 410-222-5221 or 410-222-5219.
PROVIDE THE PROOF
If you cover dependents, you must provide proof of your relationship when requested. Examples of valid proof may include: ? Marriage license and secondary supporting document,
such as: ? Page 1 of federal tax return showing married,
filing either jointly or separately* ? Mortgage statement or rental/lease agreement* ? Property tax bill* ? Joint checking or saving account statement* *Financial information may be blacked out ? Birth certificate ? Adoption papers ? Court decree for legal guardianship/custody ? Documentation from a doctor of disability Use the File Cabinet feature on the Open Enrollment portal to scan and upload dependent documentation. The File Cabinet is located under the Tools box.
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