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2015 Plan Year Open Enrollment. Content Open Enrollment New Benefit Contracts Benefit Changes Important Reminders BeWell & New HIP Wellness Program Contact.

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Presentation on theme: "2015 Plan Year Open Enrollment. Content Open Enrollment New Benefit Contracts Benefit Changes Important Reminders BeWell & New HIP Wellness Program Contact."— Presentation transcript:

1 2015 Plan Year Open Enrollment

2 Content Open Enrollment New Benefit Contracts Benefit Changes Important Reminders BeWell & New HIP Wellness Program Contact Information 2

3 Open Enrollment – Dates Benefit elections can be made online at www.yes.az.gov October 27 - November 21, 2014 3

4 Open Enrollment – Benefit Expos 4

5 Open Enrollment – Communication 5 Retiree Newsletter mailed 9/26/14 Listserv Announcement Active Employee Newsletter 10/1/14 Retiree Guide and Enrollment Form mailed 10/20/14

6 Open Enrollment – Elections IMPORTANT! Members will be required to actively elect benefits online for: Medical Vision Life and Disability Health Care Flexible Spending Account Dependent Care Flexible Spending Account If members do not take action to dental benefits, current elections will automatically continue. 6 Positive Open Enrollment for 2015

7 Open Enrollment – Premiums No increases for Medical or Dental Premium reduction for Vision Premium reduction for Life and Short-Term Disability 7 NO PREMIUM INCREASES!

8 New Benefit Contracts Integrated Medical AetnaEPO PPO HSA Blue Cross Blue Shield of AZ EPO PPO CignaEPO United HealthcareEPO PPO 8 Pharmacy MedImpact Vision Avesis Life Insurance, Short-Term and Long-Term Disability The Hartford No Vendor Changes except BCBS of AZ will replace AmeriBen

9 Benefit Changes–Medical & Dental HSA Plan IRS limitation adjustments Plan Year deductible increase $1,300 Single/$2,600 Family In-Network $2,600 Single/$5,200 Family Out-of-Network Annual contribution limit increase $3,350 Single $6,650 Family Dental-no changes to plan design, rate, or carrier If members do not take action to dental benefits, current elections will automatically continue 9

10 Benefit Changes – Vision Premium reduction with a 4-tier plan structure LASIK allowance increase from $300 to $600 (“in lieu of” limitation removed) Hearing Discount Plan available at no cost for all eligible employees and their dependents Access to EPIC Hearing Health Care national network Savings on all name brand hearing aid technology 10

11 Benefit Changes – Vision Vision Premiums (Per Pay Period) Fully Insured Plan2014 New Rates for 2015 Employee Only$2.23$1.84 Employee + Adult$6.24$5.97 Employee + Child$6.24$5.89 Employee + Family$7.78$7.43 11

12 Benefit Changes – Life and AD&D Definition for Wavier of Premium provision while disabled revised from ‘Own Occupation’ to ‘Any Occupation’ At the end of the elimination period, you may qualify for Waiver of Premium if you are prevented from performing one or more essential duties of Any Occupation ASRS participants will be required to contact The Hartford for Waiver of Premium claim filing Change will only affect LTD claims with dates of disability on or after January 1, 2015 12

13 Benefit Changes – Life and AD&D Supplemental Life Insurance/AD&D Premium reductions Increased coverage amount from $300,000 to $500,000 or up to 3 X annual salary For 2015 only, coverage can be increased in increments of $5,000 up to the plan maximum; future enrollments will be limited in an increase of $20,000 Dependent Life Insurance/AD&D Premium reductions for $50,000 option New coverage option of $10,000 available 13

14 Benefit Changes – Life and AD&D Supplemental Life/AD&D $500,000 or up to 3x annual salary, whichever is less Age Band Cost Per $5,000 of Coverage Per Pay Period Change from 2014 Under 30$0.18  $0.05 30-34$0.23  $0.05 35-39$0.25  $0.07 40-44$0.44  $0.11 45-49$0.60  $0.14 50-54$0.97  $0.23 55-59$1.38  $0.33 60-64$2.49  $0.60 65-69$2.49  $0.60 70+$3.95  $0.94 14 Dependent Life/AD&D Coverage Amount Cost Per Pay Period Change from 2014 $2,000$0.43No change $4,000$0.87No change $6,000$1.30No change $10,000$2.17NEW $12,000$2.60No change $15,000$3.25No change $50,000$10.85  $0.34

15 Benefit Changes – STD Premium reduction-new rate $.65/$100 Maximum duration of benefits Injury benefits start on the 1 st day of injury up to 26 weeks Illness benefits start on the 31 st day of illness up to 22 weeks; or Illness benefits start on the 61 st day of illness up to 18 weeks Benefit payment offset by 100% of employee paid sick, annual and donated leave after the waiting period is exhausted Change will only affect STD claims with dates of disability on or after January 1, 2015 15

16 Important Reminders Y.E.S. now requires users to reset their password Members electing coverage with Blue Cross Blue Shield or UnitedHealthcare will receive new ID cards Keep beneficiary information updated - carefully review beneficiaries and make changes if needed If you are enrolling a dependent, supporting documentation may be required Print benefit election confirmation 16

17 Important Reminders Employees can access benefit material and notices online at www.benefitoptions.az.gov Summary of Benefits and Coverage Plan Descriptions Certificates of Coverage Open Enrollment Guides Members electing benefits with Benefit Options will be receiving a postcard with information on where to obtain their benefit material 17

18 BeWell Wellness Programs and Services The BeWell Wellness Benefit includes the following: Mini health screenings Mobile mammography and prostate cancer screenings Seasonal flu shots (in progress now) EAP services through ComPsych for contracted agencies Tobacco Cessations Program Quarterly Health Initiatives with resource materials and educational information Please visit www.benefitoptions.az.gov/wellness for a complete listing of services and schedule of events. 18

19 BeWell Health Impact Program-NEW for 2014 Program Enhancement for Plan Year 2015 The BeWell Health Impact Program (HIP) is a wellness enhancement to the current State of Arizona Benefit Options Plan, effective October 1, 2014-September 30, 2015. Specifically, HIP is designed as an incentive based employee wellness program for benefits eligible State of Arizona employees. Employees who successfully complete the program by reaching 500 activity points may be eligible to receive up to $200. Participants will accumulate points by engaging in a variety of wellness programs and activities, then self-reporting their progress in the Mayo Clinic Healthy Living online portal. 19

20 Program Tools The Mayo Clinic Healthy Living Online Portal will provide the health assessment tool and tracking system as a component of HIP: The online portal will serve as the database for all employee self-reported health activities Verification of activities will also be a function of the online portal Only active, benefits eligible employees will have access to the portal Healthy Living online is available now at http://bewellstaywell.az.gov http://bewellstaywell.az.gov Complete program information will be available at http://benefitoptions.az.gov/wellness http://benefitoptions.az.gov/wellness 20 BeWell Health Impact Program-NEW for 2014

21 BeWell Health Impact Program-Activities 21

22 Contact Information Human Resources Division Benefit Services 100 N 15 th Ave # 103 Phoenix, AZ 85007 Website: www.benefitoptions.az.govwww.benefitoptions.az.gov Email: beneissues@azdoa.gov (602) 542-5008 / (800) 304-3687 Wellness Coordinators: Contact Email: Wellness@azdoa.govWellness@azdoa.gov Lauren Thomas: Lauren.Thomas@azdoa.govLauren.Thomas@azdoa.gov 22


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