HCG - 2020 OE Presentation Employee Version No Audio FINAL ... · Open enrollment video presentation Digital 2020-2021 Employee Benefits Guide and other digital resources available

Employee BenefitsOpen Enrollment

July 1, 2020

Open Enrollment Action

Marriage Adoption Birth Divorce Loss of other health insurance coverage

At Open Enrollment, you may add or drop dependents from your coverage without a qualifying event.

During the plan year, you may add or drop dependents from your coverage only when you have a qualifying event, such as:

Reminder to Update Your BeneficiariesHave you married, divorced, had a new child, or had a life change that affects your beneficiaries? Has one of your beneficiaries passed away, changed address, or changed name? You can update your beneficiaries at open enrollment and any time during the year.

You have up to 3 different places to update beneficiaries associated with your County employment and benefits:1. Unum Basic and Voluntary Life Insurance

Update online at the Employee Navigator benefits enrollment system.2. Prudential 401K/457

Update online at Prudential’s Retirement portal.3. NC Retirement

Update online through the ORBIT system.Easy web links to 3 beneficiary locations are listed on the Harnett County website:www.harnett.orgHuman Resource/Risk Management DepartmentEmployee Benefit Information and Forms

To protect the integrity of beneficiary elections and your final wishes, Human Resources cannot update your beneficiaries on your behalf.

Agenda

Open Enrollment During the Coronavirus EmergencyEmployee Navigator Online EnrollmentHealth Plan

NEW ID Numbers & NEW ID Cards

Dental PlanVision PlanBasic Life Insurance and AD&D BenefitsVoluntary Life Insurance and AD&D BenefitsVoluntary Short Term Disability InsuranceFlexible Spending Accounts (FSA)Transamerica and One-on-One Enrollment Meetings

Accident, Cancer, Critical Illness, Hospital Indemnity, andWhole Life

Prudential Retirement One-on-One Consultations

Healthy Open EnrollmentTo reduce the spread of the coronavirus and out of caution and concern for your health, the County canceled in-person open enrollment events and provides the following sources of open enrollment information and support:

Open enrollment video presentation Digital 2020-2021 Employee Benefits Guide and other digital resources

available online under Employee Benefit Information and Forms on the Human Resource/Risk Management Department page of the Harnett County website, www.harnett.org

Human Resources is available by phone and email to answer your questions about Health, Dental, Voluntary Vision, Basic and Voluntary Life Insurance and AD&D Benefits, Voluntary Short-Term Disability Insurance (STD), and Flexible Spending Accounts (FSA)[email protected]

Benefit Counselors are available by telephone May 15th, 18th, and 19th

to answer your questions about Transamerica Accident, Cancer, Critical Illness, Hospital Indemnity, and Whole Life Insurance.Schedule your appointment with the Benefit Counselors online at the following link:https://book.appointment-plus.com/b8p91q1g/?&service_id=5733

Mandatory Open EnrollmentEnrollment and changes are to be made on the County’s enrollment system called Employee Navigator. Access Employee Navigator with computers and mobile devices at: www.employeenavigator.com

All employees are required to log in to Employee Navigator and make open enrollment benefit elections, even if you intend to keep your benefit elections the same for next year.

If you forget your Employee Navigator password from last year, you can request a password reset online at: www.employeenavigator.com.

The deadline for all enrollment and changes on Employee Navigator, for Evidence of Insurability to be completed online with Unum, and for forms to be submitted to Human Resources is Thursday, May 21st.

Online Enrollment – Employee Navigator

Complete your 2020-2021 open enrollment elections online for Medical, Dental, Vision, Life and Disability, and FSA. Use the County’s Employee Navigator enrollment system. www.employeenavigator.comThe login procedure and your password are the same as last year. Instructions are available in the Employee Benefits Guide and from Human Resources.

Click on the Login button to get started You can reset your password

Health Plan In-Network Benefit HighlightsDeductible (Individual / Family) $2,000 / $4,000Medical Out-of-Pocket Limit (Individual / Family)(Includes deductible, medical coinsurance & medical copays.) $5,500 / $11,000

Rx Out-of-Pocket Limit (Individual / Family)(Includes Rx coinsurance & Rx copays.) $1,100 / $2,200

Preventive Care (Routine exams, eye exam*, screenings, immunizations, & well-child care) 100% covered

Primary Care Physician Office Visit $25 copaySpecialist Physician Office Visit $50 copayMental Health and Substance Abuse Office Visit $25 copayInpatient & Outpatient Hospital Services 30% after deductibleEmergency Room $500 copayUrgent Care $50 copayPrescription DrugsDiabetic Drugs 100% coveredGeneric (30 day supply) $10 copayBrand (30 day supply) 50% coinsurance ($100 maximum per Rx)Mail Order (90 day supply) 2X copay or coinsuranceDiagnostic Tests (CT, MRI, MRA and PET Scans) 30% after deductibleTherapies (Number of covered visits is limited) $25 copayDiabetic Supplies 100% covered

*Save $10 by using the BCBSNC health plan full coverage for a routine annual eye exam instead of the Superior Vision plan coverage, which requires a $10 copay for a routine annual eye exam.

NEW Health Plan ID Cards

NEW ID Numbers & ID Cards: You and your covered family members will receive new ID numbers and

new group numbers on a new ID card in late June. Discard your old ID card when you receive the new card.

To avoid claims problems: Tell your medical providers about your new ID number and new group

number. Tell your pharmacy about your new ID numbers and new group number. Show your new ID card so that providers can update their records.

Dental Plan NetworksDelta network dentists help you by: Filing your insurance claim paperwork for you Never billing you more than the allowed amount for services

Out-of-Network dentists may inconvenience you and cost you by:X Requiring that you pay in full up front, file your own claims paperwork, and then

wait for reimbursementX Charging more than the allowed amount resulting in balance billing that you

have to pay

Delta has 2 networks of dentists in North Carolina:1. PPO Network: Best discounts for services2. Premier Network: Good discounts for services

Search online for Delta network dentists at www.deltadentalnc.comScroll down the homepage to the “Find a Dentist” tool:

Dental Plan Benefits

General Provisions

Annual DeductibleApplies to Basic and Major Services Only. Does not apply to Diagnostic and Preventive Services. Does not apply to Orthodontia Services.

$25 Individual / $75 Family

Maximum Annual BenefitApplies to Basic and Major Services Only. Does not apply to Diagnostic and Preventive Services. Does not apply to Orthodontia Services.

$1,000

Diagnostic and Preventive Services

Routine Oral Examinations (2 X Year) 100%

Cleanings (2 X Year) 100%

X-rays (1 X Year for Bite Wing. 1 X 5 Years for Full Mouth.) 100%

Brush Biopsy (Oral Cancer Screening) 100%

Sealants (Dependents up to Age 16) 100%

Fluoride Treatment (2 X Year for Dependents up to Age 19) 100%

Basic Services

Fillings 80%

Periodontics (Gum Disease Treatment) 80%

Endodontics (Root Canal) 80%

Major Services

Crowns 50%

Bridges 50%

Onlays & Inlays 50%

Implants 50%

Dentures 50%

Orthodontia Services

Orthodontia (Dependents up to Age 19) 50%

Maximum Lifetime Benefit $1,000

Voluntary Vision Plan In-Network Benefits

Exam $10 copay

Frames & Lenses $25 copay $150 frame allowance

Contact Lenses

Lens Fitting $25 copay Specialty Lens Fitting Allowance $50

$0 copay for contact lenses

(Instead of Eyeglass lenses or Frames) $150 Contact Lens allowance

Benefit Frequency

Exam 12 MonthsLenses 12 MonthsFrames 24 Months

Discounts

Discounts and maximums vary by lens type. Some network providers do not accept discounts. Check with your provider prior to receiving services.

Exam, Frames, and Eyeglass Lenses 30% discountContacts and Eyeglass Lens Options 20% discount

Disposable Contacts 10% discount

StandardEyeglass Lenses

(Not brand or premium

lenses)

$25 copay Single Vision, Lined Bifocal, andLined Trifocal Lenses

$40 out-of-pocket max Single Vision Polycarbonate Lenses20% discount Bifocal and Trifocal Lined Polycarbonate Lenses

$55 out-of-pocket max Single Vision High Index Lenses20% discount Bifocal and Trifocal High Index Lenses

Standard Lined Trifocal AllowancePlus 20% Discount on Balance Progressive Lenses

$15 out-of-pocket max Ultraviolet (UV) Coating$25 out-of-pocket max Solid or Gradient Tints$13 out-of-pocket max Anti-Scratch Coating$50 out-of-pocket max Anti-Reflective Coating$80 out-of-pocket max Single Vision Photochromatic Lenses

20% discount Bifocal and Trifocal Photochromatic Lenses

Voluntary Vision Plan In-Network Benefits

Pre-Tax Paycheck Deductions

Benefit Plan Employee Employee + Spouse

Employee + Child(ren) Family

Health PlanPaid in Full by Harnett County

Government$339.96 $314.03 $709.54

Dental PlanPaid in Full by Harnett County

Government$30.46 $34.04 $85.44

Vision Plan $6.46 $12.28 $12.93 $19.00

Basic Life Insurance:

Basic Accidental Death & Dismemberment (AD&D):

Basic Life Insurance & AD&D Benefits

1 X Your Annual Salary up to $125,000

1 X Your Annual Salary up to $125,000

Beneficiaries:You can update your beneficiaries in Employee Navigator at Open Enrollment and anytime during the year.

Age Reduction:Benefits reduce to 65% at age 65, to 50% at age 70, and terminate at retirement.

Harnett County Government pays the entire cost for each full-time employee’s:

Voluntary Life Insurance and AD&D Benefits Employees & SpousesEmployees and spouses currently enrolled in voluntary life insurance and AD&D benefits less than guaranteed issue can “bump up” their coverage by $10,000 at open enrollment without any health questions. Reminders: Guarantee issue on employees is $150,000. Guarantee issue on spouses is $30,000. The amount of the spouse’s voluntary life coverage may not exceed the

amount of the employee’s voluntary life coverage.

ChildrenEmployees can add or increase children voluntary life coverage at open enrollment without any health questions. Reminders: An employee must have at least $10,000 voluntary life coverage in order to

elect voluntary life coverage for children.

Other Enrollment Options Other coverage increases are subject to Evidence of Insurability (EOI). Employees and spouses not currently enrolled in voluntary life insurance may

apply for new coverage. New enrollments are subject to EOI. Complete any required EOI online with Unum. Instructions are in Employee

Navigator. You may decrease employee, spouse, or children coverage or terminate

coverage at open enrollment without any health questions.

Voluntary Short Term Disability Insurance (STD)

Benefits You choose your weekly benefit from $100 to $1,000 in increments of $25. The maximum weekly benefit is the lesser of 60% of your weekly salary or

$1,000.

Waiting Period There is a 14-day Elimination/Waiting Period for benefits to begin. You must exhaust your sick days and vacation days before benefits are paid.

Duration Benefits are payable for up to 26 weeks.

Evidence of Insurability (EOI) & Preexisting Conditions Increases in coverage are subject only to 3/12 preexisting conditions

limitation. New enrollment is subject to EOI and 3/12 preexisting conditions limitation. Complete any required EOI online with Unum. Instructions are in Employee

Navigator.

Flexible Spending Accounts (FSA)

Personal Tax ShelterFlexible Spending Accounts (FSA) allow you to avoid federal, state and Social Security (FICA) taxes on the money you pay for eligible out-of-pocket health care and dependent care expenses.

The benefit of FSA is the tax savings on money you spend on eligible expenses. Depending on your tax bracket, the savings can be significant.

• Your Money & Your Account• You choose an amount to be withheld from your paycheck before taxes are applied.

The withholdings are placed in your FSA accounts.

Two Different Flexible Spending Accounts (FSA)

Health FSA

Covers medical, dental and vision expenses that are only partially covered or not covered at all by your insurance. Some examples include:

Medical Deductibles & Coinsurance Dental Care & Orthodontia Prescription Drug & Doctor Copays Over-the-Counter Drugs Menstrual Supplies Lasik Vision Correction

Maximum Contribution $2,750Minimum Contribution $300

Dependent Care FSA

Covers amounts you pay to daycare centers, babysitters, caregivers or after school programs that allow you and your spouse to work, seek work, or train for work.

Daycare for children under 13 years of age or are disabled

Daycare provider must have tax ID number Adult daycare for adult dependents as

defined by IRS

Maximum Contribution $5,000Minimum Contribution $300

Account Administration Fee $4.00 per month for Health FSA, Dependent Care FSA, or both.

• New Recent federal legislation makes over-the-counter drugs(no prescription required) and menstrual supplies eligible for Health FSA reimbursement retroactive to January 1, 2020.

FSA RulesEnrollment: All FSA participants must enroll each year. Even if you participate in the FSA this year, you must reenroll to continue your participation.

Timing: FSA amounts you elect must be for expenses you incur between July 1, 2020 and June 30, 2021.

$500 Rollover Benefit: Health FSA balances from $25 up to $500 that are not used by the end of the plan year will automatically rollover into a new Health FSA for the next plan year. There is no rollover for Dependent Care FSA because you can change your Dependent Care FSA withholdings mid-year if you have a significant change in the cost of care or a qualifying event.

“Use It or Lose It” Rule: Any Health FSA balance less than $25 or in excess of $500 that is not used by the end of the plan year is forfeited. Any Dependent Care FSA balance that is not used by the end of the plan year is forfeited. Plan carefully. Elect only as much FSA benefit as you can use.

Documentation Requirements: Always save documentation of your eligible expenses. The administrator or the IRS may require you to submit your documentation.

FSA Debit Card

Your FSA debit card provides instant access to the funds in your flexible spending accounts and eliminates the need to file paper claims. Only use the card to pay for eligible expenses.

Keep your current debit card. When you re-enroll in FSA for the new year, your current card will be funded with your new benefit.

Transamerica Enrollment

You may make changes to your policies or make a new enrollment, but any increases in coverage or new enrollments will require health questions and Transamerica approval.

Benefits Counselors are available by phone May 15th, 18th, and 19th

for one-on-one discussions about Transamerica policies.

Schedule your appointment with the Benefit Counselors online at the following link:https://book.appointment-plus.com/b8p91q1g/?&service_id=5733

• Accident • Cancer • Critical Illness

• Hospital Indemnity

• Whole Life

Prudential Retirement

Christy Kelly, your NC 401k and NC 457 representative, is available to meet virtually with you this year either by phone or web-ex meeting where she will share her screen and discuss your accounts.

In past years, Christy has come to the open enrollment meetings to meet with employees face to face. She is dedicated to providing you with the same personal service this year while social distancing.

To schedule a phone consultationPlease e-mail Christy at [email protected] or call her at 919-602-8226 to set up a time.

To schedule a web-ex online virtual meetingVisit the website linked below to choose a date and time that works for you. Detailed instructions will be provided. https://prutimetrade.secure.force.com/cts?Id=a3S3b000000p4XyEAI

All employees are required to log in to Employee Navigator and make open enrollment benefit elections, even if you intend to keep your benefit elections the same for the new plan year.The deadline for all enrollment is Thursday, May 21st

Thank You!