Presentation on theme: "Schlumberger 2015 Annual Enrollment"— Presentation transcript:
1Schlumberger 2015 Annual Enrollment IntroductionThanks for joining us today and welcome to an overview of Schlumberger’s 2015 annual enrollment presentation.November 3 to 21, 2014
2What we’ll talk about today Today we’re going to talk about what’s new for 2015.We want to be sure that you know what you need to know to make your benefits decisions. We even talked to the folks at our call centre to see what types of questions they typically get. We believe that for every person that calls in, there are probably three or four who have the same question. Today we’ll answer them.We’ll do a quick plan refresher and we’ll talk about what you need to think about.We’ll also remind you about what you need to do to enroll.The decisions you make during the annual enrollment period go into effect on January 1, 2015 and continue until December 31, 2015.So … let’s get started …What’s new for 2015What you need to knowPlan refresherWhat you need to think aboutWhat you need to do2015 Annual Enrollment – November 3 to 21
3… with what’s new for 2015.It’s all good news!WHAT’S NEW FOR 2015
4* What’s new for 2015 Additions to the Wellness Account First of all, we’re adding even more to our Wellness Account.As of January 1, 2015, you can be reimbursed for fitness league fees and fitness classes, including dance classes.We’ve also added comprehensive medical exams to the list of eligible expenses. These types of exams go beyond your regular physical. Typically associated with executive wellness programs, these exams look for the possibility of future illnesses and provide you with direction on how you might change behaiviours to avoid them.For those who prefer a non-drug approach to their wellness, we’ve added naturopathic medicines to the list of eligible expenses for your Wellness Account.And don’t forget, you can also use your Wellness Account to be reimbursed for your LTD premiums. We’ve even updated the flex guide to tell you how to submit your LTD premium, so be sure to check it out.And there’s one more change …Additions to the Wellness AccountFitness league feesFitness classesComprehensive medical examsNaturopathic medicines*Remember:You can also claim your LTD premiums from your Wellness Account.
5What’s new for 2015 (continued) … you should know about. We have now made the Wellness Account the default for unallocated excess flex dollars.When you enroll, be sure to allocate your excess flex dollars to either your:Health Care Spending Account; orYour Wellness Account.You have two years to use the money allocated to these accounts and you can determine your account balance any time by going onto the Great-West Life GroupNet website.This is your money. And it’s use it or lose it. The Canada Revenue Agency gives you two years. If you don’t spend it all, it’s forfeited.Last year, almost a thousand Schlumberger employees forfeited an average of almost $300 each.And we have one more change for those of you who may have …Wellness AccountsNow the new default for any excess flex dollars you may haveWhen you enroll, be sure to allocate your excess flex dollars to either your:Health Care Spending Account; orWellness Account*Don’t forfeit!You have two years to use the money in these accounts.Last year almost 1000 employees forfeited $300 each.
6What’s new for 2015 (continued) tried to quit smoking in the past…..There have been a number of improvements to smoking cessation drugs. For those who may have tried using them in the past but weren’t able to quit, these may work for you. And we don’t want the barrier of cost standing in the way of you becoming smoke-free.That’s why we’re removing the $500 lifetime cap on smoking cessation drugs.You could even try the smoking cessation drugs along with some of the non-medical programs, including acupuncture, and these can be reimbursed from your Health coverage and your Health Care Spending Account.The fact is, smoking is an expensive habit. When you think of the thousands of dollars you spend a year on them, the fact that your life insurance premiums can be up to double that of a non-smoker, not to mention all the health risks associated with it.It’s your and it’s in Schlumberger’s interest for you to stay well, and we want to help you in any way we can.In addition to plan changes,Smoking cessationRemoval of $500 cap on smoking cessation drugsAnd don’t forget …Non-medical smoking cessation programs – your Health coverage and HCSALife insurance can be up to double the price for smokers
7What’s new for 2015 (continued) … there are also some premium and price tag changes to report.Medical price tags are going up 5% Dental price tags are going up 6%LTD price tags are going up 16%, and that’s for all options – you pay these premiums, which is why you may want to consider offsetting these costs by claiming them through your Wellness Account.Basic life insurance is up 14% — the premiums are paid 100% by SchlumbergerYour accidental death and dismemberment coverage costs are unchanged.The key thing to note is that while your combined price tags for medical and dental are going up about 5%; so are your flex dollars. Schlumberger will continue to cover the cost of Option 2 for health and dental coverage for you and all of your covered dependents.Price tag changesMedical price tags are going up 5%Dental price tags are going up 6%Long-term disability price tags are going up by 16%, and that’s for all optionsBasic life insurance is up 14% — paid by SchlumbergerAccident insurance is unchanged*Remember:Schlumberger is increasing your flex dollars by the same amount
8What’s new for 2015 (continued) Price tags on the Schlumberger flex plan are affected by a number of things:How we use the plan, that is how may claims do we have? How costly are they? Are we using competitive providers, for example Costco for our prescriptions?They’re also affected by what else is happening in Alberta and in Canada more broadly. As the population ages, costs are anticipated to increase. When insurers look at rates of obesity and inactivity in younger people, they project that there will be more claims associated with related conditions and diseases.Finally, there’s inflation.Health care inflation is running between 5 and 8% in CanadaDental inflation is between 3 and 5%. Our costs are higher because more of us used the plan last year and we had more claims than we anticipated.Our long-term disability costs have gone up significantly. These costs are based on the number of LTD claims we have, the size of those claims and how long they last. Nevertheless, it’s an important benefit.Before you choose the lower cost option, be sure you understand what the benefit will provide. Canadians underestimate the likelihood of a long-term illness. The fact is, most of us will experience a longer term period of illness or disability at least once on our lives.Why do price tags change?Our price tags change for a number of reasons:How we use the planAging populationInflationHealth care – inflation between 5% and 8% in CanadaDental care – inflation between 3% and 5% in CanadaLTD:The number of claimsHow big the claims areHow long they last
9WHAT YOU NEED TO KNOW Ways to save money and other cool facts! There are a number of things you need to know.Understanding the nuances of the plan can help youWays to save money and other cool facts!WHAT YOU NEED TO KNOW
10What you need to know Ways you can save money For example, our arrangement with Costco meant that hundreds of Schlumberger employees saved their dispensing fees by buying their prescriptions at Costco. In fact, Costco is now our fourth-most used pharmacy chain, up from eighth place last year. Total estimated cost savings for employees is about $17,000 for the year.Our plan’s prescription deductible is equal to the dispensing fee. As Costco waives the dispensing fee, you’re essentially getting your deductible waived.If you go somewhere else, you will pay the dispensing fee, and they can range from $4.99 up to $ That’s money out of your pocket.And you don’t even have to be a Costco member to use their pharmacy. When you go to your local Costco, just tell the greeter that you’re there to use the pharmacy. If you want to purchase anything other than prescriptions, you will need to have a membership.Ways you can save moneyPurchase your prescriptions at CostcoSchlumberger employees saved almost $17,000 in dispensing fees by buying their prescriptions at CostcoYou don’t pay a dispensing fee at Costco – you do everywhere else … and that’s money out of your pocketYou don’t have to be a Costco member to take advantage of the Schlumberger discount
11What you need to know (continued) Another way you can save money is by coordinating your benefits with your spouse’s plan.If your spouse has an employer benefit plan, you may be saving money by coordinating your benefits. If you have family coverage and are in Option 3 for medical and dental coverage, you could save about $1,700 a year by moving to Option 1.We’re reminding you about this now so if you compare your spouse’s coverage to the Schlumberger plan and determine that you would be wiser to choose a lower option if you can.With the myriad of things you can have reimbursed from both you’re your Health Care Expense Account and your Wellness Account, it gives you one more way to save money.We’ve asked the question why more people don’t coordinate their benefits and it seems that the claims submission is a bit confusing, and when we get into blended families and custody arrangements, it can be.Ways you can save moneyCoordinate your benefitsThose who coordinate their benefits save up to $1,700 a yearHow?Compare your spouse’s coverage to the Schlumberger planIf it makes sense to coordinate your benefits, you’ll need to be enrolled in both plansConsider a lower Schlumberger medical and/or dental optionSave money*Why don’t more people coordinate their benefits?Because submitting claims is a little more complicated.
12What you need to know (continued) For most people, it’s a two-step process.You submit the claim to one planThenYou submit it to the otherThe question becomes “Which one’s first.” and there are insurer rules about this.Let’s take a closer look …Ways you can spend wisely and save moneyCoordinate your benefits1You submit the claim to one planthen2You submit it to the other plan
13What you need to know (continued) If it’s your claim, you submit it to Great-West Life, our medical and dental provider, and keep a copy of your receipt.When it’s reimbursed, you’ll receive an Explanation of Benefits form. Then your spouse completes his or her claim form and submits it with a copy of the receipt and the Explanation of Benefits to his/her insurer for any additional reimbursementIf you still have any unreimbursed amount after submitting your claim to both plans, you can submit it again to you HCSA.Now … if it’s your spouse’s claim…Ways you can spend wisely and save moneyCoordinate your benefitsIf it’s your claim …1Submit the claim to GWL, the Schlumberger planthen2Submit a copy of the receipt and the GWL claim statement to your spouse’s plan
14What you need to know (continued) … it’s the other way ‘round.You start by submitting your spouse’s claim to his or her plan first and then the Schlumberger plan.And remember, if it’s a claim for your child, you can also submit the claim to both plans. You simply start with the plan of the parent who has the birthdate earlier in the year (not age, just earlier in the year)Ways you can spend wisely and save moneyCoordinate your benefitsIf it’s your claim …If it’s your spouse’s claim …1Submit the claim to GWL, the Schlumberger planSubmit the claim to your spouse’s planthen2Submit a copy of the receipt and the GWL claim statement to your spouse’s planSubmit a copy of the receipt and your spouse’s claim statement to GWL, the Schlumberger plan
15Plan refresher Just in case you’ve forgotten … Now … let’s do a quick plan refresher.Just in case you’ve forgotten …Plan refresher
16Extended Health Care Option 1 Option 2 Option 3 Prescription drugs The Extended Health Care plan gives you three options that offer different levels of coverage for prescription drugs and other medical services and supplies.All three options include hospital stays, orthotics and paramedical services.Paramedical services include: acupuncture, chiropody or podiatry, chiropractic services, massage therapy, naturopathy, osteopathy, physiotherapy, psychology, speech therapy, dietician services and social work.All other expenses include ambulance services, diabetic supplies and hearing aids.The plan will reimburse your eligible expenses at the percentages shown, up to the maximum for each option. If you are covering dependents, the maximums are per covered person. Remember, this year we have removed the maximums on smoking cessation products.Schlumberger provides you with enough flex dollars to pay the full cost of Option 2.The PVS or Preferred Vision Services vision care and hearing aid program is an added feature of our Great-West Life healthcare plan. This feature allows a plan member to purchase eyewear or hearing aids with up to a 20% discount. The PVS feature also provides a discount for laser eye surgery at participating facilities.Plan members can take advantage of the PVS discount regardless of which option they have elected. The PVS list of providers is available through Great-West Life.Our dental coverage ...Extended Health CareOption 1Option 2Option 3Prescription drugsCoverageDeductible70%Dispensing fee90%100%HospitalSemi-privateAll other expensesParamedical servicesMax per paramedical serviceAnnual combined max$500$1,500Vision care (24 months)None (PVS)$200 (PVS)Orthotics (annual max)$150
17Dental Option 1 Option 2 Option 3 Option 4 Deductible None No coverage ... works the same way as our extended health coverage, except you have an additional option to choose from.Option 1 provides you with a basic level of coverage, while options 2 and 3 offer increasing levels of coverage.You will receive enough flex dollars to pay for Option 2.If you choose to elect Option 3, you will have to either direct flex dollars from another area or pay for the difference through payroll deduction.The price tag will depend on the number of dependents you cover.Also important to note about Option 3 is that it includes a two- year “lock-in” period. That means if you select this option, you won’t be able to change it for two full plan years.Option 4 is for those employees who are already covered by another dental plan. By choosing Option 4, you will have more flex dollars to spend on other benefit options.Option 1Option 2Option 3Option 4DeductibleNoneNo coverageBasic dentalRecall examsPeriodontics70%6 months16 units90%100%Major dentalCrowns50%Included80%Combined maximum$1,500$2,000$3,000OrthodontiaUnder age 18Lifetime max
18Long-term Disability + Option 1 Option 2 Option 3 Formula Our long-term disability plan provides three formulae.<Read through options>When making your decision, it’s important to note how much benefit it will provide as well as how much it costs.Let’s take a closer look …Option 1Option 2Option 3Formula60% of first $3,000+50% of next $4,00045% of remainder65% of first $7,50050% of remainder65% of first $6,500IndexingNoYesMonthly maximum$15,000
19Long-term Disability (continued) … for someone earning $80,000 a year, that is $6,667 a month, or about $4,500 after tax (assumes a 33% tax rate). If you chose Option 1, you would have about $72 in monthly payroll deductions. Were you to be sick or disabled, your long- term disability benefits would be about $3,633.If you chose Option 2, you’d pay about $20 more each month in premiums but you’d be a lot closer to your current take- home pay.For about $8 more per month, you’d have the same monthly benefit, but you’d have inflation protection built in. If your disability continues, inflation can erode the buying power of your LTD income. After 5 years, assuming a 3% increase in inflation, based on the Consumer Price Index, or CPI, that monthly benefit would increase to $5,024.But what if you were earning ...LTD options – Someone earning $80,000Option 1Option 2Option 3Monthly cost$71.76$90.39$98.58Monthly benefit$3,633$4,333Monthly benefit in five years$5,024
20Long-term Disability (continued) $120,000 a year, $10,000 a month or about $6,400 after tax.Option 1 would cost you just over $100 a month and would provide you with a monthly LTD benefit of $5,150. Option 2 would cost you just over $128 a month, but your monthly benefit would be about $6,125.If you chose Option 3, after 5 years, assuming a 3% inflation rate, your monthly benefit would be just over $7,100, but it would cost you almost $140 each month in premiums.You really have to consider your needs against the cost and the benefit. The enrollment tool will calculate your monthly premium costs for you, but you need to make the decision that’s right for you.The same is true for ...LTD options – Someone earning $120,000Option 1Option 2Option 3Monthly cost$101.71$127.77$139.34Monthly benefit$5,150$6,125Monthly benefit in five years$7,101
212 x your admissible compensation Life Insurance... your life and accident insurance coverage.You do not need to make any choices with respect to your basic life insurance coverage – it’s provided to you – to a maximum of $750, and your dependents and is fully paid for by SchlumbergerIf you have additional life insurance needs, you may purchase optional coverage for you and your spouse to a maximum of $500,000. You may also purchase it for your children to a maximum of $25,000Note that if you decide to increase your coverage during your annual enrollment, you will be required to submit evidence of insurability .Schlumberger also provides…BasicOptionalPaid for by…SchlumbergerYouAutomaticYesNoCoverageFor you2 x your admissible compensationMultiples of $25,000For your spouse$10,000For your child(ren)$5,000Multiples of $5,000Remember:You pay tax on premiums paid by Schlumberger & an EOI form is required for optional coverage
222 x your admissible compensation Accident Insurance... accident insurance, also known as accidental death and dismemberment coverage or AD&D.Like life insurance, you receive basic AD&D coverage that’s fully paid for by Schlumberger.If you need more, you may purchase optional coverage for you and your spouse to a maximum of $500,000, and, like life insurance, you may purchase it for your children to a maximum of $25,000.Note that unlike life insurance, you do not have to provide evidence of insurability if you increase your AD&D coverage.BasicOptionalPaid for by…SchlumbergerYouAutomaticYesNoCoverageFor you2 x your admissible compensationMultiples of $25,000For your spouseN/AFor your child(ren)Multiples of $5,000Remember:No medical evidence is required on AD&D coverage
23what you need to think about The important thing is that you take the time to consider what’s right for you and your family – and know you can change it at each enrollment should your situation change.Ask yourself the right questions to choose the right coverage!what you need to think about
24What you need to think about So how do you decide?... which option is right for you?The first place to start is with this year’s claims, and you can go onto the Great-West Life site to look at your expenses.When you’re enrolling, compare the amount you were reimbursed and your out-of-pocket costs with the number of flex dollars you used to pay for the coverage. You may need more or less coverage.Also think about what’s changed. Were you or was anyone in your family diagnosed with a chronic condition like high blood pressure or high cholesterol that will mean an increase in your prescription costs.Talk to your dentist to see if he or she anticipates the need for any major dental work in If things look good, Option 1 might be a good choice with more flex dollars in your HSA that you can use to pay the 30% of basic services not covered by the plan.On the other hand, if it looks like one (or more) of your children needs braces, Option 3 might be right for you. Remember: you must remain in Option 3 for a minimum of two years before changing. Most orthodontic treatments take at least two years anyway.Now let’s take a look ...Health and DentalLook at this year’s claimsThink about what’s changedChronic conditions?The need for major dental workOrthodontia planned?Talk to your doctor and dentist
25What you need to think about (continued) ... at what you need to think about when you’re choosing your LTD options.You first start with your current financial obligations. You need to understand what bills would still need to be paid even if you weren’t at work. Things like your mortgage, utilities, insurance, groceries, etc.What about other family income? Does your spouse work outside the home? Think about all your income needs, and that includes future income needs.You may be putting aside money for your children’s education or, if you’re just starting out, maybe your first car or down payment on a house.Once you’ve determined what your income needs would be, then you need to compare the different options.So … what about life insurance …Long-term DisabilityThink about your current financial obligationsConsider other family incomeDetermine what your future income needs will be
26What you need to think about (continued) You need to think about your current financial obligations and what it would mean if you weren’t there. Would your spouse need additional education or training and would you need to consider child care?You also need to think about future obligations, like your children’s education needs.You really need to ask yourself what would your family need if you weren’t around.Once you have a sense of what you need, then you need to think about where the money would come from.It’s possible that you have other life insurance, privately, through a professional or alumni organization.Don’t forget about your spouse’s income, but also know that you can purchase Optional Life insurance for your spouse too. You even have options for life insurance for your children.When it comes to Accidental Death and Dismemberment coverage, remember that it’s not the same as life insurance. If you suffer an accidental catastrophic injury that results in a permanent loss of use, you may be eligible for an AD&D benefit. When you’re choosing your AD&D coverage, think about rehabilitation costs, home renovations, etc. that you might need. And remember that you can purchase optional AD&D coverage for your spouse and children too.And one last thing before we review the enrollment process.Life and Accident CoverageThink about your current financial obligationsDetermine what your future income needs will beWhat would your family need if you weren’t there?Consider other insurance coverage you may have
27What you need to think about (continued) And that’s taxable benefits.When the company pays the premiums on benefits, those premium amounts are taxable. That also includes Schlumberger-provided flex dollars that you may use to pay for different coverage.This amount appears on your pay slip as well as on your T4.You pay tax on:The flex dollars used to pay for life insurance;The flex dollars used to pay for your accidental death and dismemberment coverage;The premiums that Schlumberger pays to provide you with business travel accident coverage; andAny reimbursements from your Wellness Account.And while you’re thinking about the 2015 …Taxable BenefitsPremiums on a number of benefits are taxableYou’ll see the amount on your pay slipYou pay tax on:Flex dollars used to pay for life insuranceFlex dollars used to pay for accident insuranceBusiness travel accident insurance premiumsWellness Account reimbursements
28What you need to think about (continued) … why not think a little more about your future and look at your Schlumberger retirement and savings programs.It’s a good idea to review your contributions and investments at least once a quarter. You can even link to the Sun Life site when you’re enrolling. You can link to it directly from the Action Needed page, right at the bottom of the screen.Once you’ve logged in, you can check the balances in each of your accounts.How much are you contributing to the plan? Should you be contributing more? If you’re not sure, check out Sun Life’s financial planning tools. You’ll get a sense of how much you need to save now to create the retirement lifestyle that’s right for you.You can also check on your investments. Have you diversified your savings across a number of investments, or have you determined that the “Built for You” funds are more your style?Finally, and just like your life and accident insurance, you’ll want to be sure that you have a beneficiary on file. You can do that by going to <insert path>.Once you’ve made your flex decisions and looked at your retirement savings, it’s time to …Retirement and SavingsCheck out your Sun Life retirement and savings accountsHow much are you contributing? Should you be contributing more?Have you used the Sun Life financial planning tools?What about your investments?Do you have a beneficiary on file?mysunlife.ca
29WHAT YOU NEED TO DO … take action. Let’s look at what you need to do to enroll.WHAT YOU NEED TO DO
30What you need to do www.slb-benefits.ca First of all, check out Enrollment Central.You’ll find a summary of what we’ve discussed today as well as links to the Schlumberger Flex Guide, the Retirement and Savings Guide, Great-West Life as well as the enrollment tool.We’ve also included an enrollment checklist.If you’ve got some questions, check out the FAQ section. You’ll likely find the answers there. If not, you can call one of our many resources, and you’ll find them all under Contacts.Once you’re ready to enroll ...
31What you need to do (continued) ... log into the enrollment tool on the Your Benefits Resources site atYou don’t have to be connected to the Schlumberger network in order to log in. You can access this site from any computer with Internet access.Use your General Identification Number (GIN) with no leading zeros and Your Benefits ResourcesTM (YBR) PIN to log on.If you have forgotten your PIN, just click on “I Forgot my PIN” on the home page.Step 1: Log onGo to the YBR websiteYou can sign on from any computer with Internet accessUse your General Identification Number (GIN) and your Your Benefits ResourcesTM (YBR) PIN to log on.If you have forgotten your PIN, just click on “I Forgot My PIN” on the home page
32What you need to do (continued) When you click on “I forgot my PIN”, you’ll be asked to set up your security questions. Once you have created your security questions, you can reset your password immediately right on the YBR site. Of course, you still have the option to request a PIN reset to be sent by corporate which will take about 15 minutes, or, have a PIN sent to you by mail to your home address (this will take about 7 business days), but with the new security questions pin reset feature, you can have a new PIN immediately.You can reset your PIN yourself …… but you need to set it upWhen you click on “I forgot my PIN”, you’ll be asked to set up your security questionsThe next time you forget, you can just answer the security questions and reset your PIN immediatelyWhy not set it up now?
33What you need to do (continued) Step two is entering your flexible benefit selections.The enrollment tool will guide you through the process and prompt you to:Verify your contact information;Verify your dependent information;Choose your benefit options for you and your dependents;Review your beneficiary(ies) for your life and AD&D insurance—if you need to make a change, this is where you do it; at the end of your enrollment, you’ll be prompted to print your beneficiary form, complete it and return it to the address on the formAllocate any excess flex dollars to your HCSA or your Wellness Account.The tool is does all the calculations for you, including flex dollars and benefit price tags. Plus, it ensures you are paying for your benefits in the most tax-effective way possible.Step 2: Select your benefitsThe YBR site will guide you toVerify your contact informationVerify your dependent informationChoose your benefit options for you and your dependentsReview your beneficiary(ies)Allocate any excess flex dollars to your HCSA or Wellness Account
34What you need to do (continued) Remember to click on “Save as Draft” if you’ve made some choices but you’re not quite finished. That way if you need to leave the YBR site before you’re done, your choices will be waiting for you when you return.When you are comfortable with your choices, be sure to click on “Complete Enrollment”. If you don’t, your choices won’t be saved and you’ll receive default coverage!You should also print your Confirmation Statement so you have a record of your elections.Once you click on “Complete Enrollment”, you will not be able to make any further election changes online.When the enrollment period ends, your saved choices will become your coverage for next year.Step 2: Select your flex benefitsSave your choices if you need to leave the YBR site before you have completed your enrollmentYou can continue where you left off next time you log onOnce you click on “Complete Enrollment” your choices will be saved and will become your coverage for next year
35What you need to do (continued) Finally, step three is completing and returning any forms. The YBR site will prompt you to print the forms you may need to complete.If you made a change to your beneficiary, you will be prompted to complete a beneficiary designation form.If you increased your optional life insurance for you or your spouse, you will need to fill out an Evidence of Insurability form.Sign, copy and send your EOI forms to Great-West Life. If you don’t, your selections will not go into effect.Step 3: Complete your formsYou may need to complete beneficiary designation forms for your life and AD&D insuranceIf you choose optional life insurance for you or your spouse, you will need to fill out an Evidence of Insurability formIf you don’t return your signed forms, your changes, including any new beneficiary designation, will not take effect
36What you need to do (continued) Employees who don’t enroll will receive default coverage, as will their dependents on file. This slide shows the default coverage by benefit type.Note that if you do not enroll online and default, any excess flex dollars will go to your Wellness Account.If you don’t enrollBenefitDefault CoverageExtended Health CareOption 1Provincial Health Care (BC only)Current coverageDentalBasic Employee Life2 x eligible compensationBasic Spouse Life (if on file)$10,000Basic Child Life (if on file)$5,000Basic AD&DLong-Term Disability (LTD)Any excess flex dollarsDeposited to your Wellness Account
372015 Annual Enrollment – November 3 to 21 Questions?