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2015 Open Enrollment Non-Represented

2015 Open Enrollment Non-Represented. Open Enrollment Enroll or make changes October 15 – November 14. START. END 5:00pm. 2. What’s New in 2015? Non-Represented employees to pay 3% of premium. Maximum employee monthly cost for medical, vision, and dental coverage. 3.

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2015 Open Enrollment Non-Represented

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  1. 2015 Open Enrollment Non-Represented

  2. Open EnrollmentEnroll or make changes October 15 – November 14 START END 5:00pm 2

  3. What’s New in 2015?Non-Represented employees to pay 3% of premium Maximum employee monthly cost for medical, vision, and dental coverage. 3

  4. What’s New in 2015?$250 vision plan changes to $500 vision plan • $500 benefit per enrolled family • member every two calendar years. • May use $500 benefit all at once or • spread it across two calendar years • (e.g. $250 in year 1 and $250 in year 2) • $500 benefit renews every other • January 1st (1/1/2017) Vision Benefit Flexibility 4

  5. What’s New in 2015?Kaiser Permanente Vision Plan Discontinued • $500 vision plan with Kaiser Permanente discontinued • Kaiser continues to provide routine • eye exam with a $15 co-pay. • You may elect the $500 vision plan • through EBMS to have coverage for • glasses and contacts. • You may elect to waive vision • coverage. • If you waive vision coverage, you will still have coverage for routine eye exams through the Kaiser medical plan. 5

  6. What’s New in 2015?Option to Waive Vision or Dental Coverage Vision You may elect vision coverage for all family members or waive vision coverage for all family members. Dental You may elect dental coverage for all family members or waive dental coverage for all family members. Waive Waive 6

  7. What’s New in 2015?Prescription Drug Annual Out-of-Pocket Maximum Protects you from unlimited prescription drug costs. • EBMS • $2,000 annual • out-of-pocket maximum per individual • $6,000 annual • out-of-pocket maximum per family of 3 or more • Does not apply to the annual medical out-of-pocket maximum Kaiser Permanente Prescription drug costs applied to medical annual out-of-pocket maximum ($1,250 / $3,750) 7

  8. What’s New in 2015?Health Care FSA - $500 Carry-Over • IRS now allows up to $500 of • unused Health Care FSA dollars to • be carried over for use in the • following calendar year. • Only applies to Health Care FSA, • not Dependent Care FSA. • 2014 carry-over funds will be • available for use after all 2014 • reimbursement requests submitted • during the 90-day run-out period • have been processed (expected • availability is April/May 2015). $500 8

  9. Open EnrollmentWhat can you change and when? Open Enrollment Changes • Medical plan selection • Vision plan selection (some exclusions apply) • Dental plan selection (some exclusions apply) • Add or cancel dependent coverage • If you have waived coverage in the past, you may enroll in the health insurance plan. • Changes Due to Qualifying Events • Birth or adoption of a child • Marriage or divorce • Dependent’s loss of eligibility • Change in spouse’s employment • Loss of other health coverage 9

  10. Dependent EligibilityWho can you enroll on the health plan? • Dependent children - Up to age 26 • Natural child • Step-child • Child of your same-sex domestic partner • Legally adopted child • Child under your legal guardianship • Child over age 26 who is medically certified • as disabled and incapable of self-support. • Your legal spouse • Your same-sex domestic partner Proof of relationship is required. 10

  11. Medical PlansDeductible and Out-of-Pocket Maximum 11

  12. Medical PlansPreventive Care 12

  13. Medical PlansProvider Services 13

  14. Medical PlansInpatient and Outpatient Services 14

  15. Prescription Drug Benefit 15

  16. Vision 16

  17. Dental 17

  18. How does the health plan work? Preventive Care (plan pays 100% with no deductible for in-network services) Annual Deductible Use this account to pay for deductibles, co-insurance, and co-pays. You pay 100% of the cost of your medical care until your expenses reach your deductible. 18

  19. You must meet your deductible before your co-insurance shares the cost of services Preventive Care (plan pays 100% with no deductible for in-network services) Once you meet the deductible of: Annual Deductible Use this account to pay for deductibles, co-insurance, and co-pays. You pay 100% of the cost of your medical care until your expenses reach your deductible. $250 (Individual) $750 (Family) 19

  20. After your deductible is met,co-insurance will pay up to 80% of the cost of medical services Preventive Care (plan pays 100% with no deductible for in-network services) Once you meet the deductible of: Annual Deductible Co-insurance Use this account to pay for deductibles, co-insurance, and co-pays. You pay 100% of the cost of your medical care until your expenses reach your deductible. $250 (Individual) The plan pays 80% for in-network services and 60% for out-of-network services. $750 (Family) 20

  21. Once you meet the annual maximum,the plan pays the rest! Preventive Care (plan pays 100% with no deductible for in-network services) Once you meet the deductible of: Annual Deductible Out-of-Pocket Maximum Co-insurance The plan pays 100% of eligible expenses if you have met the annual maximum from your own pocket. Use this account to pay for deductibles, co-insurance, and co-pays. You pay 100% of the cost of your medical care until your expenses reach your deductible. $250 (Individual) The plan pays 80% for in-network services and 60% for out-of-network services. $750 (Family) 21

  22. Flexible Spending Accounts (FSA)reimburse your out-of-pocket expenses with tax-free dollars Preventive Care (plan pays 100% with no deductible for in-network services) Once you meet the deductible of: Flexible Spending Account Annual Deductible Out-of-Pocket Maximum Co-insurance The plan pays 100% of eligible expenses if you have met the annual maximum from your own pocket. Use this account to pay for deductibles, co-insurance, and co-pays. You pay 100% of the cost of your medical care until your expenses reach your deductible. Use this account to help pay for or reimburse your deductible, co-insurance, and co-pays. $250 (Individual) The plan pays 80% for in-network services and 60% for out-of-network services. $750 (Family) 22

  23. Flexible Spending Accounts (FSA)help you pay for health care expenses tax-free! • Set aside up to $2,500 per calendar year • Deducted from paycheck before taxes • Eligible health care expenses not covered by health insurance can be paid with tax-free dollars: • Deductible, co-pays, co-insurance • Glasses and contacts • Dental care, and more • Benny Card to pay eligible health care expenses directly from your FSA • NEW! $500 Carry-Over • Benny Card Tips and Tricks • Keep your receipts • Respond to documentation requests • Pre-pay for medical services with • caution • Don’t use Benny Card in 2015 to pay • for 2014 expenses 23

  24. Flexible Spending Accounts (FSA)help you pay for dependent care expenses tax free! • Set aside up to $5,000 per calendar year • Deducted from paycheck • Eligible child or elder care expenses paid tax-free • Dependents under age 13, or any age if incapable of self-care • After/Before school care • Day camp • Preschool • Babysitter • Use it or lose it! 24

  25. Employee Assistance Program (EAP)Available 24/7/365 for free! • EAP provides: • Confidential counseling • Legal consultation • Financial consultation • Identity theft recovery assistance • Home ownership program • Wellness coaching • Smoking cessation 25

  26. City-paid Basic Life Insurance and AD&Dprotects your loved ones • Guaranteed protection to your designated beneficiaries • $50,000 life insurance policy • $50,000 accidental death & dismemberment (AD&D) policy • Automatically enrolled as a benefit-eligible employee • You may change your beneficiaries at any time 26

  27. Voluntary Life Insurance and AD&Dgives you added peace of mind • Provides additional protection for you and your family • Premiums are paid after-tax from your paycheck • Life insurance (Standard) • $10,000 - $500,000 for yourself and/or your spouse/same-sex domestic partner • $2,000, $5,000, or $10,000 for your children • Apply any time during the year, medical underwriting required • AD&D (Hartford) • $25,000 - $300,000 for yourself or yourself and your family • Apply any time during the year 27

  28. Long Term Disabilityprotects a portion of your income if you become disabled • Plan pays if you are disabled and unable to work for more than 120 days • Pays 60% of the first $10,000 of your pre-disability earnings, reduced by deductible income. • Automatically enrolled as a benefit-eligible employee. 28

  29. Long Term Care Insurancehelps pay for nursing facility or in-home care • Plan helps preserve financial security when you or a covered family member requires long term care in a facility or at home. • Must be unable to perform two or more activities of daily living for more than 60 days. • May apply for a monthly facility benefit of $1,000 to $6,000 for 2 years, 4 years, or unlimited duration. • Apply anytime during the year, medical underwriting is required. 29

  30. Deferred CompensationAre you saving enough for retirement? • Save for your future retirement and save on taxes today! • Set aside (defer) money from your paycheck before taxes • 2015 annual deferral limits are: • $18,000, if you are under age 50 • $24,000, if you are 50 years or older • $36,000, if you are within 3 years of retirement (restrictions apply) • Pay taxes upon withdrawal of funds in retirement. • Sign up or change your deferral amount any time during the year. 30

  31. Open Enrollment Forms due by 5:00 p.m., Friday, November 14, 2014 If you are changing medical, vision, or dental plans, or adding or canceling dependent coverage, complete this form: If you or your covered dependents have other health insurance coverage, complete this form: If you would like to participate in flexible spending for 2015, complete this form:

  32. Questions?

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