Open Enrollment is that one time in the year where you can enroll in or make changes to your pretax benefits (health, dental, vision, flexible spending accounts) and now prepaid legal insurance. Remember, your pretax benefits do not roll over to the following year; you will need to participate in Open Enrollment. All other after-tax benefits such as optional life, long-term disability, long-term care, AFLAC, etc. will rollover, where applicable, without you having to take further action.
Your Open Enrollment packet will be distributed during the first week of November via interoffice mail. It will include an Open Enrollment newsletter and materials from the carriers on all of your pretax benefits. You can access
New Features This Year:
There are some new additions and changes to your benefits. Below are some of the new features for 2014.
- New Health Plan with Lower Rates – We are pleased to offer a new
health plan option – a High Deductible Health Plan (HDHP) with a Health
Savings Account (HSA). The new health plan has the lowest payroll
deductions and the Health Savings Account allows you to pay for current
or future health care expenses with tax-free savings.
- CDH Health Plan Rate Increases – A number of factors play into the
County’s renewal rates for the Consumer Driven Health (CDH) plans such
as claims and trends in usage. In addition to the usual factors that
come into play, Health Care Reform played a major role with increased
preventive coverage, taxes and fees. The County absorbed half of the
approximately $4 million increase which resulted in employee rate
increases for all three CDH plans.
- Waiver of Coverage – All benefit-eligible employees are required to
waive coverage online to receive the bi-weekly waiver credit of $119.23.
To continue receiving the waiver credit, employees must provide proof of
health coverage. Failure to provide proof of other health coverage will
result in the loss of the waiver credit.
- Hearing Exams – Free hearing exams available under all health plans;
coverage is limited to two ears per year up to an annual maximum of
$1,500 per insured member.
- Working Spouse/Domestic Partner Surcharge – The County recognizes
the value to our employees of offering health insurance to spouses and
domestic partners and as such, subsidizes the coverage significantly to
keep it affordable, even when coverage is available through another
employer. Due to increasing costs and Health Care Reform taxes and fees,
many employers have stopped providing health coverage or have
significantly reduced health coverage; making the County’s plan even
more attractive to working spouses/domestic partners. The County
recognizes the benefit to our employees of insuring the whole family
under one plan and has chosen to continue providing access to working
spouses/domestic partners through an implementation of a $20 bi-weekly
surcharge to offset the increase in cost to the County. The County
further encourages working spouses/domestic partners to consider
enrolling in their own employer’s health plan.
Employees enrolling a spouse/domestic partner will need to complete
an affidavit during Open Enrollment indicating whether their
spouse/domestic partner is employed; and if employed, the name of the
employer and whether or not health coverage is available.
- Wellness Program Pharmacy Rx Co-pay Waiver Program – Employees and
spouses/domestic partners enrolled in Humana Vitality who complete a
Vitality Finger Stick screening, a Health Risk Assessment, and a Disease
Management Coaching (if applicable) will be eligible for the Rx co-pay
waiver program for generic and formulary medications through December
31, 2014, for the following disease states:
- Cardiovascular disease (CAD, COPD, CHF, heart failure, hypertension)
- Chronic Kidney disease
Please note that drugs only classified in the Drug Therapeutic class for the eligible disease state will be covered.
- Dental Plans – Your dental plans are currently in the
procurement process. A special open enrollment for dental coverage will be
held in February/March for coverage effective April 1, 2014.
Open Enrollment Presentations and Vendors
Employee Benefit Services will be hosting Open Enrollment presentation
sessions and vendor fairs for your benefit at various locations. It is
recommended that you attend one of the scheduled presentations to understand
your plan options and benefits. You will be able to meet some of the Human
Resources staff as well as your representatives from health, pharmacy,
dental, vision, and pre-paid legal insurance. Supervisor approval may be
required for you to attend. Visit