1. Effective January 1, 2017 Harcros Chemicals
Open Enrollment
Open Enrollment Information effective Jan 1, 2017
Effective January 1, 2017
Harcros Chemicals

2. What’s new 2017

3. Third Party Administrator Change
We will no longer be with GPA
Moving to EBMS (Employee Benefit Management Services) in Billings, Montana
New customer service information
New ID card with Benefit booklet – Welcome Guide
New website for claim information will be provided
Notify physicians
No longer have the One Call Care benefit

4. PPO Plan w/ ELAP & CostPlus Plan A
In-network deductible increases
Individual $400 to $800 out-of-pocket maximum $2,050 to $2,200
Employee + 1 $800 to $1,600 out-of-pocket maximum $3,275 to $4,100
Family $1,200 to $2,400 out-of-pocket maximum $3,675 to $4,100
Out-of-network deductible increases
$7,500 individual
$15,000 employee +1 and family
Increase employee monthly deduction
Employee Only $130 to $140
Employee + 1 $260 to $280
Family $395 to $420
Will continue the PHCS / MultiPlan network
We have a few changes to our current PPO plan…..

5. High Deductible Plan w/ ELAP Plan B
Decrease monthly deductions
Employee only $65 to $50
Employee + 1 $130 to $100
Family $200 to $150
Increase employer annual HSA contribution
Employee only $400 to $500
Employee + 1 $800 to $1,000
Family $1,200 to $1,500
Will continue the PHCS / MultiPlan network
If you stay on the current HD plan with ELAP, here are the following changes. We’ll be DECREASING your monthly deductions. This doesn’t even include if you’re on the wellness plan and qualify for the monthly discount. We’re also INCREASING your employer HSA contributions.

6. *New* High Deductible Plan w/o ELAP Plan C
High deductible plan with an HSA
Aetna network - Aetna Signature Administrators Plan
Traditional plan without ELAP and CostPlus
In-network deductibles $2,500 / $5,000
Employee monthly deduction
Employee only $140
Employee + 1 $280
Family $420
Employer annual HSA contribution
Employee only $300
Employee + 1 $600
Family $900
We’re currently offering 2 medical plans. For 2017, we’ll be adding a 3rd plan which is a HD plan with an HSA. The biggest difference with this plan option is that it will not have the ELAP or CostPlus platforms involved. The other big difference is that the network is through CIGNA vs PHCS. Deductions will be the same as the current HD plan.

7. Nurse Navigator Discontinue services effective January 2017
Call EBMS customer service toll free at (866) for questions on claims and network issues 7 am – 8 pm MST
We’re discontinuing the Nurse Navigator benefit effective January 1, For questions about claims and network issues, please call GPA customer service toll free at (800)

8. Member Advocacy Program
New member advocacy program for CostPlus participants
Offers advanced customer service for employees with CostPlus / ELAP plans.
Provides education and support in the event of a Balance Bill

9. Spousal Carve-Out What is spousal carve-out
Spousal carve-out is a plan provision that restricts coverage for employees’ spouses who are eligible for other coverage, such as through the spouse’s employer. Effective January 1, 2017, Harcros will implement a Complete Spousal Carve-Out. If an employee’s spouse is eligible for health coverage under his/her employer sponsored plan, the spouse is not eligible under Harcros’ medical plan.
An affidavit must be completed if your spouse is staying on the plan
Deadline to complete affidavit: November 30, 2016
I’m sure that you’ve all seen the announcement from Dana in the 1st part of October announcing the Spousal Carve-Out. In order to control health care costs for the company, Harcros has decided to place restrictions on coverage for spouses. This is also referred to as the “working spouse rule.”  This only affects spouses who have coverage available thru their employer. If your spouse will stay on the plan, they MUST complete an affidavit by November 30, 2016.

10. Some other benefit changes……….

11. HSA Change for High Deductible Plan Participants
HSA moving from Optum to Discovery Benefits
Your HSA administrator is changing from Optum to Discovery Benefits. For employees already on the high deductible plan, you will now have two HSA accounts.
Instructions and benefits on transferring monies from Optum to Discovery will be provided.
Currently our HSA administrator is with Optum. We will now be changing to Discovery Benefits effective January 1, For employees already on the high deductible plan, you will now have two HSA accounts. Instructions and benefits on transferring monies from Optum to Discovery Benefits will be provided.

12. Supplemental Life
On April 1, 2016, life insurance and disability carrier changed from CIGNA to Mutual of Omaha
NO change in benefits, seamless
Increase current employee supplemental life up to $20K – no questions asked!
Must complete enrollment form enclosed in open enrollment packet
Change cannot be made online through Paycor open enrollment
Deadline: November 30, 2016
On April 1, 2016, our life insurance and disability carrier changed from CIGNA to Mutual of Omaha. There was NO change in benefits. However, during Open Enrollment MOO allows employees who already have EM supp life to increase their coverage by $20K – no questions asked! which means they don’t have to provide medical info….

13. HSA Annual Contribution Limits and Info
Employee only maximum contribution $3,400
Employee + 1 and Family maximum contribution $6,750
If you are over the age of 55, additional $1,000 per year contribution can be made
Employee pre-tax contributions apply to annual contribution limit
No form needed if no changes to HSA employee contribution
Employees age 65 and older who are enrolled in Medicare Part A will not be eligible to participate in an HSA
Every year the gov’t makes changes to what they allow EM to contribute to their HSA. For 2017………..

14. Human Resources Portal benefits.harcros.com

15. Thank You
Questions? Please contact Dana
Reminder: Open Enrollment begins on November 1 – 11. Login to